Gic Housing Finance — My Housing Loan A/c File No.GO8714 - Customer I.D TN[protected]

Address:

600059

Would like to bring the following for your kind notice:

1. In the year 2009-10 my home loan with HDFC was taken over by GIC for Rs 6.90 Lakhs (Principal 5 Lakhs plus top up of 1.90 Lakhs).
2. You may be observed from my account that I am making payment EMIs on time.

Now during July 2016 I wants to transfer my Home loan to Bank of India because you are charging 12.5% for my Home loan. Your branch has advised me to pay 0.5% of the outstanding and they will reduce the interest rate to 10.20% fixed for 5 Years. Accordingly I made payment and so far nothing has happened. When I personally visited your Chennai branch Office, they didn't take proper response and one of your officer Mr.Rajasekar behaved like funny. I informed your Branch Manager to take necessary steps for reduce of interest from 12.5% to 10.20% otherwise return my money. After two reminders by mail on 8/7/16 & 21/09/16 I am not getting any response and the attitude is worse than a Petty Shop also.

For your information during 2013 your Chennai Branch requested me to change to ECS which I obliged and wrongly they presented my earlier cheque after realisation of ECS for which so far they have not reversed the cheque return charges. Therefore I request you to kindly consider and reverse my cheque return charges.

Charging 12.5% interest for home loan is too high and you should consider reduction of interest.

Thanking you and I hope that you will do the needful at the earliest.