DHFL — Cheated by your gurgaon office

Address:

Gurgaon, Haryana

Dear concerned,

Subject: cheated, mis-guided, mis-behaved and rude attitude of your gurgaon office Sales Manager
You would appreciate that if any organization is ethical, transparent, fair and clear in dealing with its customers, they win the heart and next time the customer may not have to think twice dealing again and with great confidence customers give reference to others.
DHFL is a big name and may be the same kind of vision your promoters may be having and as a result of which the company has reached to such a level.
However would like to mention that the same is missing at your branch for which you are directly responsible as head of this unit as I have been cheated, mis-guided, lot of time has been wasted due to unfair and unethical approach and attitude of your team and further would also like to add this is also because of lack of knowledge to even your sales managers.
After I decided to go for the flat allocated by MVN, I decided to go for a home loan and before I decide the name of the bank/NBFC, I saw three names on the website of MVN, out of which one was DHFL and number was also provided to me by the MVN team ; the number provided was of some broker, however I then decided to go with DHFL but directly.
As the tie between MVN and DHFL was there hence the reference came and the same was also accepted by the DHFL team.
Afterwards, I contacted your team and one executive called Shahid contacted me at the beginning only, it was visible that the team is not trained and professional, as he committed to come at a particular time and all the time he missed, thereafter I contacted you and he came to me to collect the papers. I handed over all the papers in one go as demanded by your SM, Mr. Purshottam Pal.
He also demanded a cheque of Rs.2810/- as the first instalment of processing fee, to which I asked boss if you are okay to do this project, 90% funding, within the deadline you need to disburse the payment to builder, then you present my cheque and not only your executive, in this regard, i wrote a mail to your sales manager and you, after which it was confirmed to me that you are dealing with MVN and will disburse the payment within time line and do maximum finance of 90%. After these commitments, I agree to give the cheque and then also it was clearly intimated to me that in case there is any deviation in all these commitments, cheque will not be presented.
Now the process of harassment started, there was no revert from your executive or your sales manager, however whenever contacted you, response was there and it was told that within two-three days sanction would come and payment would be disbursed.
I visited your office and spent almost whole day there to complete all the disbursal formalities . Sanction letter was provided to me .
However as I observed that your team is not professional and may be the payment is not disbursed within the time limit of the builder, I informed you that I would be paying the 20% amount demanded by them and you will re-finance and refund the money to me.
Accordingly as per the discussions, I paid the 20% demand of the builder, got the builder buyer agreement executed and copy was submitted to your office. The original was demanded and it was confirmed that now the TPA has to be signed by the builder and then payment would be disbursed.
Thereafter i again spent half day in your office to get copy of TPA and the I contacted the builder for signing the TPA, who in turn told me that DHFL is asking for NOC from PNB in-spite of our clear terms with them that the same cannot be provided.
Your executive also visited my office next day and demanded cash of 1500 for other legal disbursal formality amount, and he confirmed to me that he amount would be disbursed within two days.
My question is if that was pre-agreed between both of you then why this clause was mentioned in the TPA and if that is not the case, then why it was not explained to me before rushing to take the processing fee cheque and taking other cash.
In-spite of your clear understanding with the builder, why I was kept in dark and TPA with this clause was given to me.
Thereafter because of lack of knowledge of your team and only motto of just taking the processing fee and other cash from the customer, after which customer is bound to chase you, I had to do the follow up with the builder and spent number of days there to get this resolved.
Now builder is writing on the mail that the NOC has been given to some Mr. Shailender (who also called me in between this harassment process was on to confirm that within two to three days this problem would get resolved) and as per you the NOC format is not acceptable to your legal team.
Now all of you have stopped taking my calls as the purpose of just getting processing fee and other cash is fulfilled.
My request is very simple;
-Who is responsible for my mental agony, harassment, wastage of productive time?
-Why the confirmation of disbursal was given to you, if your team was not aware about the PNB project finance clause?
-When i asked clearly before giving the cheque, that in case you are not able to disburse the amount to builder, I will not pay this processing fee, which was confirmed, then why your sales manger Purshottam is rude to me and talking nuisance?
-Why I had to chase your team always for getting the follow up and there was not revert to me?
-why I have been cheated ?
-Why your executive has taken 1500 cash for which no receipt was given?
I have been cheated, harassed and it is a clear breach of trust.
I do not want to deal with DHFL ; never in my life and not even recommend any one to deal with you.
I last time request you to kindly refund all of my papers, processing cheque of 2810 plus cash of 1500 paid to your executive, otherwise I have no option but to appeal to the court of law/police and also to your higher authorities for cheating me.
I am emotionally hurt, feel mis-guided cheated, mishandled and rudely dealt by your sales mangers and executive.
Although the money involved is very high, but there cannot be any place for nuisance, cheating, breach of trust and such kind of nuisance. I also have a feeling that my papers submitted to you may also get misused.
If the matter is not resolve, then I would feel that you are clearly indicating me to approach to anyone as you feel it is your right to cheat customers .
Regards,

B K ARORA