HDFC Bank Ltd — HDFC Sanctioned housing loan for major violation /unapproved Flat

Address:

Chennai, Tamil Nadu

Hi Sir/Madam, I was taken the housing loan from HDFC A/C No:[protected] last December 05 2014. Initially while visiting the site the builder stepstone said that project was entirely (Total 146 Units) approved by HDFC(Housing Development Finance Corporation limited) and the same confirmed by Sales person Suresh Anand from HDFC (ITC Centre, Anna Salai, Chennai) as well, so I planned to take the home loan through HDFC as they have already verified all the legal and valuation and approved the project.. Believed that will be safe if it taken a loan from HDFC and applied the loan without self-checking legal outside as I was fully confident with them and taken housing loan through HDFC and registered the documents same in Registrar office Tambaram Chennai. Actually I was advised that the flat plan was major deviation and not as per plan approval given by CMDA/Local Body. I am sure that HDFC blindly approved and provided housing loan for the Flat and totally major deviation made by builder stepsstone in the flat and not as per plan approved by CMDA/Local Body. Even the builder did not interest to apply CMDA/Local Body for revised plan approval before making the changes and simply combine flats without get the revised approval from CMDA/Local Body or respective government authorities who early provided approval for only two single BHK First and second floor number called F6 & S4 separately in Block P Krita Project. The builder was combine two flats as a duplex flat without revised plan approval and they decided themselves and built this flat against CMDA/local body approval plan. Actually I was applied the housing loan in HDFC only after structural construction completed by the builder in that project so if HDFC has done site valuation properly they should know about the major deviation, It seems either they did not check anything or hide favour of the builder . If HDFC has checked legal and the site valuation of the building properly as per the plan approval of CMDA/Local body before sanction the loan defiantly they should know about that major deviation in the flat and they should have rejected the housing loan application for the major deviation but the bad thing is they simply accepted this major deviations. It clearly seems that HDFC did not check any legal and site valuation of the building as per the plan approval of the CMDA/Local body and simply sanctioned the loan blindly and full favour of builder, however there is major plan deviation made by builder without any approval from respective CMDA/Local body and they directly decided themselves and combine the flat F6 and S4 in ‘Block P’ as a duplex flat for their business and this is totally major deviation. I visited the HDFC Ltd ITC centre and asked the clarification about this issue and they did not respond anything and giving certificate to the builder. Finally the builder stepstone said they can get the revised approval plan for the flat which they made violation. After 1 week they said the file is submitted in the authorities office for the changes, so I just went to the office to know about the status of the progress and came to know there is nothing submitted from them. I called them and asked why you given wrong commitment and they simply said you need to cancel the flat so we will return your money back. I don’t have an option because the flat is not proper plan and bank HDFC Ltd is fully favour for the builder and co-ordinated for this violation. So I accepted to cancel. I have lost my money hardly earned which I paid to the bank for processing fees and MOD charges 8 months of my time and many things due to the bank and builder. Please take necessary action against them then only other people will not affect. HDFC is charging some of the amount for legal and valuation but they are not checking legal and if customer comes with problem simply say we are not responsible for those things and blame the customers. I am shocking that How they are giving housing loan without checking any legal and site valuation!! Please take necessary action . Note: The builder Stepstone charging money for private terase but in that project no approval from authority of CMDA/Local Body. Thanks Vasanth Mobile : +91 [protected] Chennai