Sir/Madam,
I foreclose the entire personal loan taken last year 07 march 2022 outstanding today i.e.19/05/2023 is Rs.16, 87, 062.60 but they are charged foreclose charges on it @ 4.72% on the principal amount outstanding which is too high for common person who repay their loan without any default during repayment but bank force me to pay as everyday interest rate increased then i pay the amount and they ask if you want raised then raised online complaint but we cant do anything, I also speak with HDFC personnel who gave the reference of RBI guidelines and reluctant to do anything in this matter plus at the time of loan taken foreclose charges was nil and now it will be 4.72% as per RBI guidelines without any valid proofs and email or text intimation to customer that foreclosure charges increase from so and so date. Yes people's enter in agreement during personal loan taken, it not means they are charging foreclose charges at whatever rate they wanted. Humble request you to intervene in this matter even i paid as bank force me to do that the amount as we took the loan from ICICI with less interest rate for close my entire loan without any foreclosure charges.
Following is the details of Loan
Lender Name : HDFC Bank
Borrower Name : Chanchal mehta
Loan Account Number :[protected]
Tanure : 48 months
Interest Rate : 10.5%
Loan Amount : 23, 10, 690
thanks
Regards
Chanchal mehta
[protected] Was this information helpful? | 
We sincerely regret the inconvenience. We have raised your query to the concerned team and we will revert to you on your registered e-mail id on or before May 29, 2023. vide Reference number[protected]. Please bear with us in the interim.
-Ajay, Service Manager
HDFC Bank Customer Assistance
Regards
Chanchal
No response till now, request you to action asap,
Thanks
Chanchal
Todays is 30th but not received any response from HDFC, again showing not fulfill the commitment and very bad services.
Chanchal