[Resolved]  HDFC Bank — NO INTIMATION OF EMI home Loanf A/c[protected]

Address:

New Delhi, Delhi

Dear Sir, As per the loan A/c as mentioned in the subject line. was taken by me under subvention scheme for flat in Bharal City Project Gaziabad. The bank disbursed the amount INR 23, 63, 746 as against the sanction of INR23, 16, 000. As per the requirement of the Builder - Bharat City - Bank disbursed the Amount and start the Instalment of the interest from Sep-14 end . I was thinking that my EMI has been started form sep-14 onward but when today (19/12/2014) I Visted the HDFC bank-Munirka than I come to know that it was only my Pre-EMI Interest which the bank is charging form me on my principal amount, it was so surprise for me, and bank reply me that the loan was not fully disbursed to builder & I also did not inform to Bank to start the EMI, so they are charging only pr-emi interest form me. The Bank Executive advice me to fill up the form to start the EMI form Dec-14 onward. and adjust my principal amount INR 2397 with interest portion of 19808 and make EMI of INR22601. I request him to start it form Sep-14 onward and I will bay the balance principal Amount. But he did not agree, I aslo told him that it is not my fault because neither HDFC nor Builder has intimate me about this EMI process… but its all in vain.. Now, requests you please understand my problem /case and adjust my EMI form Septembe-14 onward. And save your prestige’s good will in the competitive market. I take this loan & flat form Bhart City only because of HDFC goodwill and this is my second loan form HDFC bank . Thanking you, Ajeet Prasad Sundriyal MOB:[protected] [protected]@gmail.com