[Resolved]  HDFC Bank Limited — Misguide and behavioral complaint

Address:

Faridabad, Haryana

loan account no.[protected] is there are anyone to Help me?????? Dear Sir, This is to put my grievance before you that I have been misguided by HDFC agent and employees from the initial stage of taking the referred loan. The HDFC agent misguided me by saying that the loan that has been approved is Home Loan but later I came to know that it was Home Equity Loan. Since 2009 I have religiously paid my EMIs right on time but I was jobless and could not pay my EMIs for six months. Further during these years I never got any intimation from the company that the rate of interest has increased and no. of payable months have increased from 180 to 540 .Approached Mr. Sidharth Agarwal who committed to pay an amount against which the interest put on me will be waived off and further committed that I will have to pay approx. Rs. 2000 which will reduce the rate of interest and no. of payable months.. I went all the way from Faridabad to Munirka and settled the dues by handing over the cheque to Mr. Sidharth Agarwal, honoring his words.He has committed that after clearance of the cheque, interest will be waived off and it will be reflected online in my account within a week but it never happened.After clearance of the cheque, this person stopped responding to my calls even.I am writing this to you today because Mr. Sidharth told me that he will not do anything to waive off the interest and threatened that if I write to the company he will further find ways to harass me. This is highly unprofessional and a complete cheat at the Company’s end. I am getting reminders from HDFC Faridabad that my EMI amount will be increased forcefully and the no. of payable months have already been increased. Mr. Siddharth Agarwal is diverting from his commitment. This is a clear cheating and the COMPANY is responsible for this since its employees are misguiding. I request the Company to look into this matter since I am not in a financial position to bear such heavy charges and increased EMI. I request the Company to: 1) Waive off the interest put on me. 2) EMI will be same Rs. 6245/- as I am already paying 3) Let me know a minimum and nominal amount to be paid to reduce the no. Of payable months. 4) Let me know the minimum part prepayment Principal amount. Also I am not getting proper response from Faridabad office. Please let me know the senior person to be contacted for settlement. Your prompt and positive reply would be highly appreciated. Regards Pradeep Chakravarty Mobile : [protected] / [protected]