[Resolved]  Lichfl — Pre closure of the Loan - I was not treated well at the Branch when I gone there to inquire or demand the rebate in the Pre closure charge.

Address:Chennai, Tamil Nadu

Dear Sirs, My Loan a/c No:[protected] Application No:[protected] (Mortgage Loan) I had a very awkward and bitter experience at the Office situates at HARRINGTON CHAMBERS, BLOCK 'C' ABDUL RAZACK 1 STREET SAIDAPET Chennai . we are the senior citizens and the retired people. I had gone to that above Office to close my existing Mortgage Loan, where I was shocked to note that the company is charging 2% - the Pre clousure charge. I went on Saturday, collected the quotation and tried to meet the concerned Officer to request to waive that charge .But that lady was absent on that day, so I went today (on Monday 18th November) by that elapse of one day ( Because Sunday came in between) and my quotation amount changed and I did incur around Rs500/- more as a broken Period Interest. But it does not matter (what I want to express here, if that concerned Lady Officer would have been there in the Office, I would have sorted out the matter on Saturday itself, but hoping that I could avail some concession in the pre closure charges if I meet that officer concerned on Monday, I returned back, collecting the quotation as on that date) To our surprise and agony when i went there today morning I was given as on date quotation and when I met that lady Officer she was bit rude in talking to me and she as if she is the boss negativing my demand or request and after some heated argument when I revealed that we are the 'retired people' etc then she started telling that if I produce the proof of my wife's retirement status, i am not eligible it seems as I retired around 5 years ago, there may be a concession of 1% rebate in the pre closure charges and demanded me to produce it at once or before the close of the counter to accept the cheque. This is what I want to express see how people - the staff - are simply tossing us between pillar to post and hoping that at least the 1% rebate may be a good amount at this retirement stage, I rushed back to my house to get all those details - xeroxed - copies of the proof. Again to my agony, over some useless conversation between us which irritated both o[censored]s, she vindictively postponed the sanctioning of the 1% concession too which may be with in her discretionary power, instead she asked me to give a letter requesting to avail that 1% rebate and forced me to pay the entire Loan due amount as per the quotation of that date. Here what I want to express, she was not only bit rude and vindictive but she does not have any courtesy to address the senior people like me. You people should educate your staff how to behave with the customers. Because of our contributions by prompt payment of the dues the company survives, even the Non - prompt payers too are virtually fleeced by way of heavy penalty, hence the company is not at the loosing state, but the staff are not that courteous with the customers. Let me see, how you are going to react to this complaint and I want to see what would be your reaction when I complaint about that lady Officer who behaved differently and very harsh with the clients. Further when I noticed all my demands and request would fall in deaf ears, I demanded to take this matter to the higher Officer and asked her to send me to the higher officer. Again it was denied to me stating some lame excuse that the Lady higher Officer - one Mrs UMA MAHEHSWARI was too on leave on that day and when I insisted to meet her, the security the one who stands at the entrance insulted me and he never allowed me to enter in to the cabin of the Officer. Then how do i know whether she was really absent or not.What is happening at your LIC HFL Office. This is how you people have been trained to treat the clients. When we have grievances do you mean to expect us to write to the cell to look at the matter at a later date or immediate attention by the respective responsible Officers at the Branch itself !!!. What a agony. Only here, in our county the consumers are treated like a 'killu kirai' or Garbage . With our age and experience as we widely traveled both in India and in abroad, it is very agonizing to see the very irresponsible behavior of some of the staff in some of the Offices. Since to day it happened to me at your Office I wanted to record it as a complaint to see the out come of this my letter/complaint. Looking forward to your immediate and worthy action to probe into this matter since I have quoted my Loan A/c No and other details and finding out who is that lady arrogant staff who was so vindictive with the prompt client, I expect again a very prompt reply from you. With Regards, (Prof.KANAKARAJ Dawn Stanly)
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Aug 14, 2020
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