Adhar Housing Finance Limited — Non satisfaction, fraud (75700/ - ) & hiding facts by team during final loan disbursal[protected]_manish kumar singh

Address:	Ghaziabad, Uttar Pradesh, 201001
Website:	www.aadharhousing.com

Subject: Non satisfaction, Fraud(75700/-) & hiding facts by team during final loan disbursal[protected]_Manish kumar singh

Dear team, please help me in this.

Dear Team,

I am writing this mail after suffering from last one week from
adhar housing finance limited team. totally mentally harassed by your procedure & customer
service. i am in hospital patient care industry. i also deal many
patient daily but with proper response and service.

here i am briefly mentioned my entire story & experience at adhar till
now from last two month. i have planned to buy a home for my family
three months ago,
as i have a low budget for home. so i choose a free hold property of
Rs. 12.30lac at sihani near my living place nand gram ghziabad.

its my first time for any home loan, presently no live loan at this
moment at on me.

i came to know about your bank from one of my frnd, so i have given my
papers to Mr. Dheeraj(ex employee o[censored]rs, presently in India bulls
Kaushambi) for loan process.

in this he asked for his commission 30000/-(3% of my loan value) to
passing home loan,
i haven't any idea of commission but as i wanted to buy home, i have him 500 on
15.08.15 at same. as i don't have much that time. so he said that at
the time of giving me the sanction letter i have to pay him 5000/- for
this i agree

On 24 i got the message of my loan sanctioned 1008205/-. i reached
your rajnagar branch to collect letter, here i met Mr. Narender (at
that time ur employee, now in aufl rajendra place, delhi)

He told me that first i talked to Mr. Dheeraj till than he will give
me the letter. may be they both have their internal setting for this
kind of activities.

i said to him that don't worry i will pay him, which i committed to
Dheeraj, after my assurance Narendra gave me the sanctioned letter.
after getting my sanction letter i have given 20000/- Rupees to
landlord as token money, which called like bayana amount.

After receiving the letter i asked narendra. that tell me that is this
a any kind of rule in home loan industry to giving commission to
everybody. than narendra replied to me
Sir aap kya baat krte h, aap jo commission hme de rye h vo samajh lo
ke Oot(Camel) ke mooh me jeera de rye h otherwise 50k se neeche nyi
lete aapse.

than after getting letter i said to narendra that for further process
of final disbursement i will do rest of details after shrraadh, as in
20 September was my father first death anniversary.

I contacted Narndra after that & my all legal & technical verification
done by 12 october. at the time of technical verification i asked that
person who came for taking pic of property & measurement. that if is
there any problem in property so he can tell me so that i cannot make
any further payment to any other demand of your employees.

i paid 3000/- rupees to That technical verification person at that
time. after 16th narendra leave your office. but he came there for
process of my loan case.

on 20 october i visited your office to meet Mr. narendra for further
process, as i wanted to done the property registry on 20.10.15 on my
27th birhtday.

than narendra asked for his commission & further charges, after all
bargaining s he stopped on 12000/- as his commission, i paid to
narendra 5000/- at that moment.
as he commited me to disburse my loan by or before 20 october. which
not happend till that time.

On 27 October Narendra called me for rest of his pending payment and
some other banking updates of mine. on that i gave him 7000/- and my
papers than he promised me to complete my case before 30th October. on
the other end i have given 30000/- again to landlord as its almost two
month of loan process, so i gave him some more token money.

in the evening of 27.10.15, i received call from narendra that due to
the gadder lantern in my chosen property they cannot offer my 10 lac
loan which they committed me in past.
according to your gadder & pattiya roof not lantern. i asked him that
if its not the lanter than why your technical person inform me that
that. so that i not given any other money but they have no satisfied
answer fro this??????????

i said that i am a fresher in home loan, so its your duty that if our
are sanctioned the loan to me that at least your have to given me some
guidelines for choosing the property.
first your sanctioned the loan, on behalf of that i have given 50000/-
token money to land lord, 3000/- to technical verification officer &
17000/- to dheeraj+Narendra. your processing fees 5700/-

i have taken more than 10 days leave in last 2.5months which cost me
more than 9000/- & mentally harassment(which you cant able to pay) by
your service.

You are sentionning the loan on behalf of salary but in the letter u
never mentioned it may be changed after your legal verification? you
have to disclose the conditions also of property naa, on which u
disbursing the loan.

its totally a kind of fraud for me from your end. that firstly you
don't even give me any guideline regarding chosen property and after
sanctioned the loan & expanding my sum of 75700/-. your are saying me
your rules and other things

i visited your office 30.10.15, that time i asked him regarding the
rules of lenter and other that time a fatty guy siting over there who
replied me that if i wanted to know all rules of these details than i
have to read your 80pages rules book before applying loan. if this
kind of answer is also yours than why don't your employee given me
that rule book
of 80 pages with the sanctioned letter of loan?????????????????????????????


Your employees are saying that you cant sentioned more than 7Lac of loan.

Now they are saying to choose me other property on which they issue me
10lac loan. but my question is what about that 50000/- token money
which i given to landlord??????

Mr. Rohit Roy met me on 30.10.2015 & he told me to meet the Branch
manager on 03.11.15. i asked him to give Branch manager mobile no. or
Mail id but he denied to give the same.

I visited again today 03.10.15 to meet the manager but as per as
employee Manager is not present at 11.45am around time today. here i
again meet Mr. narendra today, i told him to provide me he details of
branch manager but he also denied.

Well its my humble request you to please sentioned my loan which given
to me in my sanctioned letter. other wise i have no other option
except Consumer court for this issue.

and about your commission tendency i will definitely lodge a FIR
against Mr. Narendra & Mr. Dheeraj. My landlord given me the time of
registry by 05.11.15 last. after that
he will sold his property to other buyer. if my token amount money
lost because your issues. i have to to consumer court.

now i am totally harassed by your people & your service mentally &
financially also.

i am writing this mail after very depression from your all end of
services. i wish you can understand my this serious issue.

its not my intention to blame personally to any individual person, i
am giving all details above which i am facing from last 15.10.15 till
now. so please do the needful on earliest.
awaiting for your reply

Thanks & Regards
Manish kumar singh
+91 [protected]
+91 [protected]
Senior Manager
Vasan Eye Care Hospital
Delhi/NCR (Optical Department)