Home Loan Complaints & Reviews

My homeloan with HDFC Ltd was going on. I intended to make part prepayment and requested on email to share their bank account details to arrange RTGS since during lockdown all were working from home. Several times I requested them to share me the account details but did not helped me with the same. Instead they came with excuses that when office starts we will get it done. Finally, after continously followup on 22nd May 2020 they shared me the details and I immediately arranged RTGS. I lost arround 33000 on emi interest which I could had saved if I was allowed to make payment on 1et April as I had sent first email on 30th March 2020. Sir, it is an hard money which I intended during this lockdown due to the crises of salary cut down and also no proper salary. It was a night mare and everyone will think of getting the burden light from the liability, especially from the loan. I had similar intention also. Now I asked them to waive of the emi interest of that period (55 days) but not entertaining it. I brought it to consumer forum but nothing is done. Sir, please help me to get my money back as it is a huge amount for me. Everyone were working from home even myself but work was going on. This does not giving reason for not allowing to make prepayment if someone wants to get his burden lighter. Sir, please I need justice for my plea. I had taken loan from HDFC LTD, Mira Road branch, Thane Dist, Maharashtra.

Aspire home finance — i am complaint about home loan subsidy
Dear sir/ madem

I have loan from aspire home loan finance ltd from sagar branch. Not any confirmation about pradhan mantri awas yojana subsidy after two year. So kindly informe me for this subsidy progress or any related to procedure not full-fill and take a proper action.

I will wait for your respones as soon as & please kindly informe me about this process.

Yours faithfully
Pradeep kumar vishwakarma
[protected]

Please provide as much information as possible

Hi i have applied the home loan before that i given all the land related documents and they are reviewed and confirmed can be offer a home loan, then i signed application and login into the loan request, after five days received the loan sanction confirmation message and processing fee was deducted from my account. Then agent informed subsequent next three days legally verification will get over. After one week called the agent
What is the status, he informed that still now received sanction letter. As on date one month over (32 days over) am not received any sanction letter and i informed to agent to stop the processing activity and return the document/service charge but there is no response up-to now.
Application id:7665603

Hi friends, i can provide you home loans and plot loans all over kerala. Financial category is not an issue, without it, cash salary can be considered, we can do home loans under prime minister's jan awas yojana in categorised areas. Access width to property should be min 1meter. I am representing a reputed financial institution under rbi and nhb. We can do take over at interesting rates... No preclosure penalities.
Contact
[protected]

Nb: kerala only

I have applied for a home loan in Axis bank, branch sanpada loan office near lokmat and Santosh nikam and his boss Amit they both are coordinators. After sanctioned process I applied for disbursement process. From last 20-25 days my file is in disbursement process only. After every 2-3 days both the coordinators used to call me and ask for new document for submission. Usually this is hardly 3-4 days procedure but they have taken my lot of time where i am paying interest for each n every day for that particular amount. Today i asked mr amit about status of my disbursement but he started using abusing, non polite language as he lost my one of document and I was asking question to him regarding this. thats what we are expecting from ur coordinator?This is my worst deci to apply for home loan in axis bank. Financially I am paying 13% interest on my disbursement amount as per goverment yojana and axis bank wont be reimburse that amount.

I request you if it is not possible to disburse my amount dd then please close this file and give me my all money which i hve paid for this process...

Dear sir/madam, My husband Kundal Singh Thapa had taken a home loan from ICICI bank having loan account nos. LBFDB[protected] & LBFDB[protected]. Unfortunately he passed away on 3rd October 2014 Request you to please let me know the details of the insurance done with ICICI Lombard and how could I get the claim against this loan. Regards, Dear Sir/Madam, Please find enclosed courier receipt kindly tell whether you have received document or not if yes please do the needful. Thanks & Regards Devki Devi ----- Forwarded by Devki Devi/IN/TLS/PwC on[protected]:28 AM ----- From: Devki Devi/IN/TLS/PwC To: [protected]@icicilombard.com Cc: harit.[protected]@icicilombard.com Date: [protected]:22 AM Subject: GEN[protected]_LOR LETTER Dear Sir/Madam, As desired I have courier all the document. Please find scan copy of all doucment for your reference. Kindly do the needful ASAP. Thanks & Regards Devki Devi [protected]

Dear Sir/ Mam

This is to inform you that my Name is sandeep shah,Father Name is Mr. Kuber narain, My address is 57 GF Neelam Vihar , Kaushambi, Ghaziabad.My Date of Birth is 06/02/1981, My Pan Card No is:-AZGPS0943R and my CIBIL control no is[protected] and my CIBIL Member id is HF63161108 , there are some wrong information is in my CIBIL report. there is one home loan is showing in my CIBIL report. Loan Account no is[protected] is not belongs to me , that loan is belong to same sandeep kumar shah who belongs to west bangle. and this loan is with state bank of india. i speak to the branch manager his mobie no is [protected] Name sudhakaran. he confirm me that this is some other person. kindly remove the detail in my CIBIL as i applied for home loan and only for this i am facing problem. kindly do the needful. other wise i am going to case the file against CIBIL and State Bank of india for the same. kindly reply me on same because i already pay the booking amount and only for this reason my loan not get approved.Please get it done with in day. awaiting for kind reply.

Dear Sir,
My name is Prashant Mukund Khairnar, My HFL Loan A/c No.[protected] In Nashik Road Division.
My EMI Rs. 16388.00 Dated 15th Of every month.
But due to our office record problem in my account name, my ECS will not be cleared in my bank account. Due to this my EMI is failed and i have to pay fine each month for bank and LIC. I have already paid fine for two months. I have cleared all the documents from my side to the LIC and Bank.
Please SIr/Madam i request you clear that problem as early as possible. I waiting for your reply.
Thanking You,

Yours Faithfully,
Prashant Mukund Khairnar.
Loan A/c No.[protected]
My Cell No. [protected].

sir, I applied to housing loan to DHFL, through one of its representative Mr. Umesh
alongwith the proceesing fee of Rs.5618/- that has debited to my account on 21.08.2012 but neither the appliaction fate is informed nor any attention is being paid inspite of regular contact to its office at Vaishali[ghbd] and on contacting to Mr. umesh on his number [protected] no statisfactory reply is given to me , and due to thier silent
stand, I have been deprived off the flat for which I wanted to avail the housing loan and the builder has deducted Rs.50000/- out of the fund paid to them for the bopoking as well as cancelllation of the flat which I booked , to which i intended to have the shelter of my own, and paid/paying rent for the hope of own flat through housing loan,If it was there about the non-consideration of loan, they could have informed me timely[even not yet replied]so that I could approach the other available source of housing loan.What to talk of housing loan they still have my m hard earned money of Rs.5618/- since long and no reply/action is being done on the subject.
Thanking You,
With Regards,

[arun k. goel]
[protected]
email;AKGOEL4562rediffmail.com

I have also same complaint for GIC HFL towards my account No. G09522. They are taking too much of time to update the Revised interest rates as per the guidelines by RBI as well to whom they were under listed institutions( National Housing Finance Ltd ) and not giving credit for Interest subsidies amount for last two Years(201011 &[protected]. Their system shows these amount on my Loan account data,but not fully adjusted either on the interest part nor on the Principal due as on date. Don't know what these personalities are monitoring like GICHFLtd's. I've too placed request over the Regional office here, awaiting for their solution in this regards.

S.Manivannan
[protected]

Hi,

This is Yatin Vasudeo Naik from Mumbai. I have taken the Home loan from LICHOUSING in 2010. Not sure about this date but I will give you my File Number.

File Number Is 411271
Now I am requesting you to provide me the following things:

1. Outstanding details in terms of till today how much I had paid already & how much I have to pay in future.
2. Also let me know can I do repayment of the loan in the principal amount if yes how much per year.
3. My Interest rate is 9.5% fixed for 5 years.

Kindly study my case & provide the following things.


Waiting for your reply.


Regards
Yatin Naik

Respected Sir,

I have a home loan[protected], RAJA ANNAMALAIPURAM, Chennai) at State bank of Travanvore 4 years and 6 months before. The home loan outstanding amount is INR 29,84,318.00. As of now I am paying the interest rate 12.75%. so, I am interested to transfer it to State bank of India. Because, in State bank of India, the interest rate is 10%. Now State bank of India has refused to takeover the loan. Because, “They cant takeover the home loan from there associate bank”. As I have paid the insurance of 2.2Lahkes at SBI life, I cann’t go to any other bank. So, I request you to do the needful.

Thanks in-advance,
Antony.

Sir,
We have taken a following Home loans from LICHFL. We wish to know our current status of our loans through on line, but due to forgot login information we could not get the status after a so many times. Please send me our login information & current status of following loans:-

S. No. Name of Applicant Loan Account No. Sanction Amount
1 Sudhir Chaturvedi [protected] Rs. 3,00,000.00
2 Sudhir Chaturvedi [protected] Rs. 3,00,000.00
3 Archna Chaturvedi [protected] Rs. 2,00,000.00
4 Archna Chaturvedi [protected] Rs. 8,00,000.00

Thanking you in anticipation.

SUDHIR CHATURVEDI & ARCHNA CHATURVEDI
57, SAHKAR NAGAR, PO- VIDYUT NAGAR,
RAMPUR, JABALPUR,PIN-482008 (MP).
Contact- Mobile - [protected]
Land line[protected]

Hi,

I have submitted my application for the home loan. It took over 2 months and finally it came rejected. The reason for rejection was not convincing and is not the way to waste the customer precious time. For the same project "GSA Wavewoods" loan has been sanctioned for some people. There is no issue with the documents submitted by me and they are pointing the problem in builder's tax paid receipt.

The problem is builder has paid the tax to BBMP on his name and has attached the receipt, but now he has started the GSA Wavewoods project and he is properiotor of the same. But SBI people are asking the receipt to be in the name of "GSA Wavewoods", although builder has given authenticated letter that he paid the tax in his name. I don't feel that is valid reason for rejection of the application, if it is valid then how for the other people it has been sanctioned for the same documents produced.

LOS No.: 540723

-Rajesh Allagi
[protected]

I have taken Home Loan from SBI Ganges Garden Branch in July'2005 of Rs. 3.25 Lacs on floating basis vide A/c No [protected]. Almost loan amount is being paid only about Rs.1.15 Lacs of principle is remaining but it is surpurising to see that interest rate is bacame higher & higher day by day. When I taken home loan it was 8.50% but now it is 12.75%.12.75% interest rate is not justify with any table chart of SBI HOME loan.

HOME LOANS - INTEREST RATES
All Rate are floating only (Base Rate= 10.00% p.a.)

Loan Amount Linkage with Base Rate over the tenor of the loan Effective Rate
Upto Rs. 30.00 lacs 0.75% above Base Rate 10.75% p.a.*
Above Rs. 30.00 lacs and upto Rs. 75.00 lacs 1.00% above Base Rate 11.00% p.a.*
Above Rs. 75.00 lacs 1.25% above Base Rate 11.25% p.a.*

Dt: 25.07.2012
Sub: SBI Home Loan- Unending story
Ref: Home loan application submitted to SBI, Masjid Moth branch
Sir/Madam,

I had taken a home loan from IDBI bank for a construction linked house at RPS SAVANA, Sector 88, Faridabad. I booked the flat in March 2008 and was regularly paying my EMI to IDBI bank. About 3 months back Sh. Chaman Lal, Branch Manager of SBI, Masjid Moth, Panchsheel, New Delhi (Mobile: [protected]) came to our institute (GB Pant Polytechnic Okhla, New Delhi, Government of NCT of Delhi). His visit was aimed at promoting the business of his SBI branch by way of Home Loans. It may be pointed that our institute has well qualified Gazetted Officers in large numbers who may be prospective clients of SBI. Through Shri Chaman Lal, I came to know that I would be better off doing a balance transfer of my loan from IDBI to SBI. He also enunciated a number of advantages in doing so. Besides, this residential project was an SBI approved project. This motivated me to change my existing home loan from IDBI bank to the India’s biggest public sector bank i.e. SBI bank of India (Balance Transfer).

Subsequently I had approached the SBI Masjid Moth, Panchsheel, New Delhi Branch Manager Sh. Chaman Lal, who welcomed me and provided me with the requisite forms for applying the home loan. I completed all the formalities as was asked from time to time. I was regularly visiting the bank and was in constant touch with the persons concerned for completing the formalities. I was in touch with Mr.Swetabh, Ms. Pratibha and Mr. Bhatia apart from the branch manager.
Finally the file was sent to the SBI (RACPC) Parliament street office. After some days I was told that the file had been returned back with some remarks. I was asked to provide a Guarantor in order to process the case. One of my colleague agreed to become a guarantor and all the necessary formalities were completed. The guarantor submitted his salary slip, bank account statement, ITR return, statement of PPF, GPF etc. and all necessary formalities as was asked. Subsequently, I was asked to come to the bank along with the co-applicant (my wife) and the guarantor. I did the same. Next day I was intimated that the guarantor must give evidence for some more assets. Accordingly the guarantors PLI policy details were submitted . The very next day I was again informed that as per the discussion with their higher officials at Parliament Street the guarantee of the current guarantor is not acceptable by SBI. I was told that my colleague cum guarantor (a Delhi Govt. Group A Gazetted officer) did not have any house/ non-movable assets in his name and hence did not fulfill the definition of a guarantor. The whole exercise had already elapsed around 2 months.
So after putting sincere efforts for around 2 months I feel harassed and frustrated. I couldn’t arrange a guarantor who had any property in Delhi. Although I had many colleagues/ friends who were willing to become a guarantor but didn’t have any immovable asset in their name and hence could not fulfill the bank’s definition of guarantor.
The following facts are submitted to understand the case more lucidly:
1) I am a GROUP A GAZETTED Officer with the Delhi Government employed since April 2000.
2) My guarantor Mr Sandeep Handa is my colleague in the same department and is also a Group ‘A’ Gazetted Officer.
3) I had availed a loan of Rs. 12.6 Lacs for the same property in 2008 from IDBI.
4) I had been regularly paying the EMI’s without any default whatsoever.
5) My credentials may be verified from CIBIL
6) It may be noted that I had availed this loan from IDBI in 2008 ie before the release of 6th Pay Commission for Engineering Faculty. My salary was increased by almost 100% when the 6th Central Pay Commission was released. Thus making it much more comfortable for me to easily repay loan by way of EMI’s.
7) About 2 months back one of my colleague has already availed a loan for a residential property in the same area being developed by the same builder. In her case TPG was asked and even processing fees of Rs. 3200/- was not charged.

In view of the above statements I elicit your response to my following dilemmas:
1. What is the definition of a guarantor as per SBI bank? Sh Handa has provided details of his savings viz GPF,PPF,PLI etc which are valued at much more that the loan amount.
2. Inspite of providing collaterals by the guarantor as mentioned abobe, why is SBI insisting on ‘immovable asset’, and that too, after an elapse of a long period. Is there no transparent system in SBI home loan section (the branch officers seemed to be in dark for all decisions/ norms)? Infact it is surprising to note that the Branch Officers are no less than ‘POSTMEN’ as all their recommendations are easily overruled and at times, DISTORTED, by the RACPC officers .This is almost akin to HUMILIATING your grass root officers which in this case are the Pancsheel Branch officers.

Yours sincerely
(Subrata Kumar Patra)
Lecturer, G.B.Pant Polytechnic,
Govt. Of Delhi,
Okhla, New Delhi-110020
Mob: [protected]/
[protected]

PS : I may be deviating from my duty if I do not mention the special efforts made by the SBI Masjid Moth Branch employees viz Ms Pratibha, Sh Chaman Lal, Sh Swetabh, Sh Bhatia.

I have taken home loan of Rs 1100000 in 2009 from Axis Bank Nasik Branch in floating interest rate. Loan a/c No is PH[protected]. My EMI has been increased to Rs 10503.00 specifying change in rate of interest to 11.25%. However as per my calculation, considering 11.25% interest rate it should be Rs 10312.5. I have send couple of mails for clarification , but I have got no reply. Even I have cross checked with Axis bank phone banking officer & came to know that the present rate of interest is 10.75% . Considering my floating rate of interest, my EMI should be much lower than what I am paying . As per the statement, the total tenure of loan is also not reduced. I am totally unhappy & disappointment with the way of customer handling by AXIS Bank. Now I want a definite &specific answer.

DEAR SIR,
I AM HOME ACCOUNT HOLDER NO;-[protected] OF SAKTI PADA NAG, I REQUEST YOU TO INCREASE MY EMI RS.15000/- (fifteen thousand
only ) INSTADE OF RS.12000/- (twelve thousand only ) FROM JULY'12 AND IN RESPECT OF THIS I ALREADY SUBMIT A WRITTEN LETTER TO MY MOTHER BRANCH (STATE BANK OF INDIA, baghajatin bazar branch ). MY REPAYMENT DATE IS 05TH IN EVERY MONTH.

I HOPE YOU WILL DEDUCT THIS EMI FROM THIS MONTH, AND OBLIGE.

THANK YOU,
SAKTI PADA NAG,
PH, [protected]
E-MAIL - [protected]@hotmail.com

Subject References

A Embezzled Housing Loan from Home Loan AC No [protected] thru SBI RACPC Eklm, now under SARB, Ernakulam, for apartment B 6 H City

B Cheating and Non allotment of apartment of B 6 at Heavenly City in Mar 2009, by Heavenly Homes Pvt. Ltd. Cochin

Referred Case (from Kerala Police Department) 18 Camp CMCC 2011 DCP LO T 04 Nov 2011

Docket Number Ref 304 2012 dated 12 Jan 2012 (from Chief Minister’s Office)

Dear Sir

From 1995 I am working in Kuwait. In 2007 I signed a contract with the real estate builder Heavenly Homes Pvt Ltd Cochin for B 6, a 3 BHK 1400 Sq ft residential apartment at Heavenly City at Chittethukara, Cochin. For this purpose I got a home loan sanctioned from State Bank of India PBB RACPC for IRS 1797000 in my name under Home Loan Account No [protected], and unfortunately the same amount has been embezzled by the real estate builder, and based on my written complaint to the Chief Minister of Kerala in 2011, there has been discussion with the accused builder and with the involved banker that the home loan shall be settled by the accused builder on 30 June 2012. Thus the accused builder Heavenly Homes Pvt Ltd Cochin submitted a DD worth IRS 1850000 on 28 June 2012 to SBI SARB Ernakulam and the home loan amount and account is now closed.

But the accused home loan banker State Bank of India SARB is not issuing me a Non Liability Certificate, as the embezzled home loan amount has been settles by the involved and accused builder Heavenly Homes Pvt Ltd Cochin.

Kindly instruct the SBI officials Mr K K Saseendran AGM SARB), [protected], Mr Jose Philip CM Recovery, [protected], Mr KMA Samad CM SARFAESI [protected] to issue me a Non Liability certificate, stating that the Home Loan under Home Loan Account No [protected] has been paid with all dues and arrears on 28 June 2012

Contact details of accused builder Heavenly Homes Pvt Ltd Cochin A F Varghese [protected], V A Mujeeb [protected], Hassim M K [protected], C.K. Parameswaran [protected], K K Hussian [protected], Roy Varghese[protected],[protected], [protected] or [protected], Indhu Lakshmi [protected], [protected]

As I do not have a residential address in India, the SBI has to send me the original Non Liability Certificate to my below Kuwait address

Thanking you in advance for giving me justice

A P Tony
Kuwait

Dear sir,

I am Subhash Dattatrya Rasane, Your customer..Loan no- LBNAS[protected] has been repaid in full and there are no further dues payable under this loan. I have recieved the NOC on 24 august 2007 only .But then also my name iscoming on [protected]@cibil.com so i request you to please remove my name from there. Laso I havent taken any personal loan from ICICI or any other bank and still its showing my name there so I request you to remove the name from teher also.

Thank you.

Dear Sir

I, ANJUM IQBAL SAIYED, has applied online for Home Loan inquiry on AXIS Bank Pportal and HDFC Bank Portal in the Month of FEB-12, Instantly I received E-approval from both the bank for Rs.15.10 Lacs from AXIS and Rs.6.30 Lacs from HDFC. I was not aware that this inquiry is also updated in CIBIL record. Anyway both application was already closed as they are not funding in Gram Panchayat area and in Plot too... I have already received confirmation from both the bank.

On 26th March, I have applied for Personal Loan from HDFC Bank and it has been rejected on 31st Mar, 2012 with reason that there is home loan runnig from AXIS Bank & HDFC Bank for Rs.21 Lacs approx, It was a socking that without availing loan how can my CIBIL record is showing this ? Bank can make mistake but I think CIBIL cant make such mistake.

My request it just clear my CIBIL records, right now only one Personal Loan is running from HDFC since last 2 and Half years, except this Loan there is no loan taken by me from any bank. Only this PL should be shown in my CIBIL and rest needs to be cleared.

Please rectify this error as I am facing problem, and will face problem in future as I am plaaning to apply for Home Loan in coming month.

Kindly do the needful.

Kind Regards
Anjum Iqbal Saiyed
[protected] | [protected]@gmail.com
PAN - BLJPS9292M

Respected Sir,
I would like to inform you that I Avijit Ghoshal made an application no 00759702 on dated 06/02/2012 for home loan and in respect of that home loan i made a payment of Rs- 5515/- vide Cheque no- 134066, but without any information the matter was declined and do not shown any valid cause for it. Sir this way you can't enjoy with my money, you have to return me back after declined the matter, but yet i didn't received my money back.
In that circumstances i request you to return my money back within Three (3) days, otherwise i will take necessary action against you as per law and lodge complain before Consumer Forum against you.


Thanking You,
Avijit Ghoshal

Dear All,

I would like all to draw your attention to my complaint on Home loan from HSBC.

I had applied for a Loan transfer of ICICI to HSBC with Top up with HSBC. I got the sanction of both the loans.

I was in constant touch with Vinod Jadhav (HSBC Executive) and was always told that Society NOC is not required for this loan and that NO dues letter will be enough to get the Top up cheque.

As informed by him, he tried to take approval to release the top up cheque without the NOC. However he could not get the approval.
Mr Vinod Jadhav informed me that the lawyers will release the cheque only on handing over NOC from the society. I was given the cheque by the lawyer on 19.7.2011 on submission of NOC from Society. I paid the EMI for the top up loan on 1.7.2011 even though I was not given the funds. The Top up loan Pay order got cleared only on 27.7.2011.

I was really surprised as to how HSBC could collect EMI from a customer just on showing him a disbursement cheque.
I readily paid the EMI even though the funds were not disbursed to me in good faith that the issue will be resolved later.

I was then directed to Mr Ravi Kotian for my above complaint The following points were discussed :

a. My Cibil clearance - I was told that the top up loan was given to me after strong persuasions . However I had clarified that I have a very
strong Cibil rating with no settlements, bounces, defaults in any loans taken by me. I was sanctioned the loan on the basis of my
eligibility which everybody knows

b. Disbursement advice - I was told that since I had signed the disbursement advice I am entitled to pay the EMI. What a wonderful policy HSBC
has ...!!
c. Goodies- I was told by Ravi Kotian that any new goodies offered by HSBC later will be extended to me.

d. Delay in submission of NOC : The NOC thing was never told to me till the signing of the Disbursement advice. It was only after I went to
the lawyer's office to collect the cheque that I was told that I need to submit NOC for collecting the TOP loan cheque.

e. I readily paid the EMI for Top up loan without having funds in my Account of the TOP up loan. If the first EMI was not paid by me , the
entire loan would have been blocked and no disbursement would have happened which was agreed by Ravi Kotian.

f. I am accused of paying the EMI readily and asking HSBC about reversal of EMI for a sanctioned loan (not disbursed loan). This was totally
wrong on part of HSBC.

g. I was told to forget the EMI refund as a bad dream and not to pursue the matter anymore because such mishaps happen when loans are
disbursed. You can just login to any websites about list of same complaints raised by HSBC customers and I am sure none of these
have been resolved.

I regret to take up this loan and this kind of treatment from HSBC. I have not received any reply from HSBC

Regards,
Amit Maisheri

Sir,
Ref: SBI.Home loan A/C No.SBI HTL A/C No.[protected].
RACPC/HL/8062 dt 6.4.2010
From: S.Thangaraj F/o T.Vimala
I am
I have obtained house loan from SBI-RACPC chennai on 6.4.2010 and EMI repayment from SBI branch Selaiyur ,Chennai.73 in my daughter name who is gov.servise.I approached the Selaiyur SBI branch office for EMI statement for IT purpose.I request the official in the Home section for statement.He refuse the same & direct me to go the office where we got the loan.Then I went to SBI RACPC office in Chennai & request the officer at V floor for the statement.She told me that, " Such statment will be given only at branch only & asked to go & meet the branch Manager SBI Selaiyur.Next day I went to the Selaiyur SBI & for the last two days I could meet the Manager because he was gone for a meeting.
In this situation in SBI,what the customer like me do?
S.Thangaraj
Plot no.171,6th st
Malleswarinagar
Selaiyur,Chennai./73
[protected]

Dear Sir / Madam,

My self Makrand D Talegaonkar was X employee of your organizations my code was M11007 I left the job since 4 month till date i have not recieved my PF settlement. My mentors Mr. Gajendra Chinchwankar has also tekan follow up so many times but stilt there is no response. My self also have tekan follow up for so many times but there is no response your phone No: 30417696, 42197195. are also showing out of service i have not recieved any form for PF settlement. If you have send it please provied docket no, date on whose name and where.
Please do the needful as soon as possible.
My mobile no-[protected].
my mail id- [protected]@rediffmail.com

I posted an add in Quiker.com about my requirement of home loan (my Name is in CBIL default list) to which a person named Vincent jhon (contact numbers [protected] / [protected] / [protected]) contacted me saying that he work for reliance finance and he will do my loan with processing fees of 2%.and i don't have to pay my credit card overdues. I aggreed to him but after three months of headache the reliance sales manager Mr Mangesh sawant called me to say that without clearing my credit card overdues my loan is impossible. He told me that this person vincent does not work for reliance home finance . I called vincent and said that if you don't work for reliance i don't need home loan from you and i want all of my papers back which i gave him to process loan. The reliance home loan sales manager also told me that the bank will charge you a processng fees of 1% which you have to pay to the bank and not to Vincent. I called vincent that if i have to pay to bank and also have to clear the credit card overdues then i don't want loan from you. and called the reliance home loan sales manager mr. Mangesh sawant ([protected]) to do paper waork to process my loan and promised him to clear my credit card overdues before disbursement of the loan. He gave me a pre approval letter specifying all the conditions on which the loan was sectioned including credit card term.
Now afer all that happened and i have purchased a house the person vincent is calling and threatening me everyday to give him personally rupees 1 lac. He also complained in a police station . The police also called me and i was threatened by the person there also. Don't know what to do. I am concerned about the safety of my family . Please healp. the person vincent jhon is not working with reliance finance neither he works with any banks. he has not registered his business and not paying any service tax or professional tax .i am attaching necessary documets
)

Madam Smita Khurana
Emp.ID No.197417
Branch Credit Manager URGENT
(Home Loan)
ICICI Bank Limited
2nd Floor, Shree Ji Tower
C-99, Near Ahinsa Circle,
Subhash Marg, C-Scheme, Jaipur. Dated[protected]

Ref. & Home Loan – Loan Account No. (LAN) LBJAI [protected]
( Ref. Fraienchiese Code- Mukesh Verma & Associates) &
My Complaint letter dated[protected] &[protected].


Sub. & Regarding My Complaint against ICICI Bank Fraienchies Code Mukesh Verma & Associates- Not any response or attend my Home loan case/file for finally disbursing & start of draw Loan EMI.
Respected Sir/Madam,

I draw your kind attention of my refered the complaint letters against your aforesaid BANK Fraienchiese Code- Mukesh Verma & Associates or it Representative Mr Kailash ji, (Contact No. [protected]). The above Fraienchiese USE the Name of ICICI Bank,but they are not given it services of YOUR HOME LOAN CUSTOMER. After haressing that the associates I write complaint to you/your Bank. After passing 3-4 month I have not received any reply for starting of my Home Loan EMI or any information what necessary action can be taken on my complaint. I have given some details & reminder for my complaint.
I hope you or your Bank hopeful reply give to me immediately. I request you again kindly disposal & solve my case or problem why yet not start my EMI? Kindly help me for start my Home Loan EMI & action taken against the ICICI BANK Fraienchiese- Code- Mukesh Verma & Associates or its agent Mr Kailashji( Mobile No. [protected])

I am very pleased to know with your Home Loan sanction & Disburshed letter dated March 14, 2011 that the Loan Amount Sanctioned Rs. 4,46,000/- only. The details of the disbursement to be made by you are given below:

5) First disbursement Amount Rs. 1,34,400/- by Cheque No. 221706
dated 15th Feb. 2011.
6) Second disbursement Amount Rs. 1,33,800/- by Cheque No.221885
Dated 14th March, 2011
7) Refund of Rs. 8394/- Excess Premium (Total Premium Amount Paid 44,000 – Actual Premium Amount Payable 35,606 = Additional amount/Refundable Amount 8,394) towards above Home Assure (ICICI Prudential- Life Insurance( Policy No. 15118254 ) by refund Cheque No. 266424 dated 13th March, 2011.
8) Home Assure Amount 35,606/- ( Home Assure Amount Rs. 32,281 + Service Tax and Education Cess Amount Rs. 3,325/-)
Further, as mentioned above total disbursement Amount 3,12,200/- only ( 1,34,400 + 1,33,800 + 8,394 + 35,606) from the sanction / disbursement date 14th March, 2011 to end of the month, April, 2011.

I am request to you sanction for a final disbursement Amount of Rs. 1,33,800/- only as soon as possible to me immediately as financial assistance for complete the said construction work..
Thanking you, waiting for justifying & satisfactory reply from your honour side.

Yours faithfully,

Signed/
( Mohammed Rais )
ICICI Bank Customer
R.K Araien House No. H-408, Azad Marg, C-Scheme, Jaipur- 302001. Rajasthan.
Contact No. Cell No. [protected] Phone No. [protected]
E-mail- [protected]@yahoo.in

PERSONAL ATTENTION
(Confidential-Most Urgent-Priority)
REGITERED/SPEED POST/COURIER

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I along with my brothers taken housing loan of Rs. 40,00000/- from your company

but EMI is not deducted from my a/c fro the month of june-2011 which normally deducted on end of each month


i have already forwarded caomplian to to customer case but no reply reecived

loan a/c : HHLBOR00084905

During application i have asked your office to deduct EMI directly from my Bank but instead they are depositing cheque and amount gets debited from a/c

please see as some should attend me

my mobile number: 91-[protected]

I have submitted Builder's demand letter on 18/05/2011 for payment release . The due date given by builder was 09/06/2011 . Even several reminders to LICHFL , Aruna Asaf Ali Road , New delhi branch , it is still pending. I have called a several phone but sometimes no lift , sometimes concern person is on leave and we are not able to reach Area Manager ( office incharge) , as we are not able to get the direct number.
Builder imposes a penality on delayed payments @ 24% per annaum, which is a very high rate.
LIC almost everytime releases the payments with delay without any reason.
It's hopeless company , run by some lazy people .

NK Misra