Home Loan Complaints & Reviews

Dear Sir,
I would like to change my correspondance address and mobile no. as mentioned below.

present address:- F3/304 Kingston
Panvelkar Green City , B Cabin Road
Next to Jondhale Polytechnic
Ambernath (E) 421501
Thane

Mob # [protected]
my email ID: [protected]@gmail.com

Thanks & Regards
Ramsinnet Sharma

My home loan a/c no is [protected].I have deposited a amt.of Rs.24000/- as fine arrear.I was paying my installement regularly.RACPC branch new delhi has written a letter to Jawalaheri(6623) delhi to refund my fine arrear Adj.money on 5.5.2011.Since than I have visited the branch Four time but still they not responding and every time asked me to come again.

I sahll be very thankful if my compalint will be resolved.

Anil Kumar
Home loan A/no [protected].

loan acccount no: ph[protected]
I don’t have any words left, dealing with axis bank is sick.
1. Firstly my loan was sanctioned for Rs. 32 lacs and only Rs. Rs. 30 lacs were released with no explanation. This has put me in so much of hardship as we had gone to registration office to register the property and finally Rs. 2 lacs were short. Adding salt to the wound they wanted me to sign the paper for the sanctioned amount and not the released DD.

2. The balance amount was released after repeated request on renovation work. That too your survey chap was not able distinguished between modular kitchen and plywood finally it took @ month to rel the amount .

3. When every other bank reduced the interest for housing loan, they also obliged to reduction of interest for the old customers by charging a nominal amount, but when I put across I was told it is only for new loan and old customers will be charged the old higher rates
4. There was never a timely acknowledgement for any of the part payment. Despite of depositing the dd in their branch they refused to acknowledge, is it a reason to charge more interest charges?
5. Insurance- I was promised that insurance will be covered for earth quack and fire and made mockery by saying copy will be provided and finally declined
6. Emi cheques- despite of sending I was regularly harassed by the collection centre saying cheques are not received and they wanted to send the collection boy to my office.
Now I want to close the account for good, but the last 4 days they are not responding to my mail or call to give the statements of account and closure letter.

Initially I was given a very rosy picture of Axis and now I know the real fact. I wanted to continue the loan tenure for a minimum period of 10-12 days, but the above facts forced me to close the loan faster. There are no responsible staffs and all depend on one customers care – so called head Ms. Divya. I wonder how a bank of that repute have irresponsible person like her. Who refuse to come on line nor able to give the appointment.

Pl let them not think that they are above the law and harass customers. I have maintained the highest standard of repayment and finally paying the price. My only prayer is that let them not do this for other.

aiyappa

Dear Sir,

With reference to your letter I would like to draw your attention towards the following points

1) I had requested for home loan and in turn it was sanctioned.The sanctioned home loan amount was Rs.7,89,000 and a letter was sent to the same effect dated[protected].

2) I had taken a couple of months to arrange a guarantor as per above

3) To my greatest shock a new letter dated[protected] was received which mentioned a new loan amount i.e Rs.8,33,416 which I had never asked for.

4) I would also like to bring to your notice the fake signature of me and my wife on sanctioned letter dated 29 august 2007, which was sent to me with the letter dated 25 february. 2011.

So as per the commitment I am very much willing to pay the remaining balance of Rs.7,89,000 without any penalty.

kindly do the needful and oblige.

Thanks and Regards,
Rajesh Singh.

Respected Concerned Department,

My self is Abida Begum i have applied for the home loan in February for that purpose an executive is came in to my house for collecting the paper and gave me an assured to log my file at the final stage in the end of the month and sanction the loan as soon as the formality and physical verification is complete but unfortunately no response i said from him the executive name is Jitender Raj and in favour of that he take a charge i.e processing fees Rs6067/- from my house and take a blank cheque I repeatedly talk him over phone many times he always says he return my money back in 2 days but now the situation is that he not even pick my phone and did not gave my money back i am so much dis satisfy of the services of the HDFC Bank (Home Loan) I am to much fed up of the services of the bank.

kindly grant my request for giving my money back which is charge as an processing fees at the time of applying the loan.
Abida Begum
3254, Kucha Tara Chand Street,
Tiraha Behram Khan,
Darya Gunj,
New Delhi-110002

HI,
I have taken home loan from Dewan Housing Finance Corporation Ltd, 8/1 Middleton Row, Kolkata-700071,last year, but I had contact in your local branch to issue for the current year Tax benifited certificate / Form 12C,

But your branch concern person inform me that they are unable to issue this certificate because Tax generated system is not working from a long time to till date, also they have already inform their HO. to do the needful.

plz resolve iis immediatedly otherwise we have facing a lot of problem.

Thnx.
Pradip

I applied for home loan under Festival Bonanza Scheme in 1st week of September 2010 for Rs27.00 Lacs.After submitting documents demanded by Bank,PNB,nasik city branch sanctioned loan for Rs 27.00 lacs on 29/11/10.I kept Collateral Security of My Shop Value Rs 17.23 Lacs.Also kept Primary Security as Flat to be purchased at Pune costing Rs42.46 Lacs.I have deposited my shop original Sale Deed &Newly flat purchased sale of aggrement with Bank.Bank has laid following Term& coditions for loan sanction.1)Loan amount along with margin to be paid directly to vendor.2) Insurance of property as per bank clause.3) 24 PDC to be submitted by party. 4) EM of property to be purchased at Pune costing Rs 46.06 lacs as per valuation by govt. valuer.5) EM of colleratal security of shop at Nasik Valuation Rs17.23lacs as per Govt. valuer. 6) Processing fee & documentation chargers are waived as per bonanza offer.7) Tripartite agreement to be signed to be signed by builder, you & bank.As per details displayed on PNB web site in Festival Bonanza 2010 Scheme,Security against loans to be given details are as under.A) Mortgage of property for which finiance is being given. B) In case of purchase of house/flat from housing board/society where mortgage cannot be created immediately, a tripartite agreement shall be executed amongst the housing board/society ,borrower & the Bank..
Now as per condition A) Mortgage of purchased property of Rs 46.06 lacs is already done.Others all necessary documents demanded by bank eg Power of attorney,NOC from Builders on letter head in Bank"s prescribed format etc. Bank has already drawn DD in favor of Buiders Nane for Amt Rs 27.00 lacs. Builder is not interested to sign triparite agreement as he has alreay given Noc to Bank,& Flat is not from housing board/society . I mortgaged newly finianced flat with bank..Due to for want of tripartite agreement bank is not handing over DD to Builder. Pl let me know as per conditions A) I mortgage finianced flat with bank, then why tripartite agreement is required.(As builder not signing ) Pl guide me.
ASHOK KAKAD

I have taken Home loan from Deutschepostbank, Bangalore and paying Pre-EMI for last 3 years. Due to very poor quality of disbursement process I have decided to pre-close my loan.

When I contacted the bank they were asked to pay full month interest for closing loan. I have requested the pre-closure quotation as on 20th Dec. But I received the pre-closure quotation up to 31/12/2010 and asked me to pay before 24/12/2010. Please let me know why should I pay the interest up to 31/12/2010 if I am repaying full amount on 24/12/2010.

i hv applied for home loan of 13 lakhs at thane branch n intial the guy cald lino who was a officer in idbi bank said yes..and after taking all my relevent docs in the mnth of dec 2009 , they gave me sanction letter of 10 lakhs in the mnth of jan 2010. i argued wid tht guy he said its the manager's desecion..i than gave up n was ok with 10 lakhs as i have already paid registration fees. and applied for personal loan to adjust the remaining 3 lakhs to give to my builder as another guy took over my case MR PRAMOD TAMBE who is son of n gave me wrong info n false hopes n he said u wont get DISBURSEMENT unless u pay ur contribution to ur builder..thn till 6 month thy delayed to disburse n thn finaly whn date was closed thy said we are giving the loan disbursement cheque of 10 lakhs tht female the manager is number 1 lier her name is MRS VANDANA SANDEEP she said we cant disburse as in civil cheque its mention tht u have taken personal loan of 3 lakhs n nw u will get only 7 lakhs..i got o frustrated coz these people workig in idbi thane branch hv no knowledge of their product.. they are to waste my 6 months of time money n energy..after withdrawing my original docs from tht stupid bank nw hey are denieing to refund my pocessing fees of 15k..GOSH IDBI IS GONNA GROW BY TAKING POOR PEOPLE'S PROCESSING FEES N THAT TOO WITOUT DISBURSING THE AMOUNT....I W ANT MY PROCESSING FEES...I DONT GET ANY REASON TO GIVE U 15 K WITOUT GETTING HELP..IF IDBI WANTS TO EARN FREE MONEY THN SEND PEOPLE LIKE PRAMOD N VANDANA TO BEG N DONT KEEP THM IN OFFICE TO HELP PEPLE TO GET DREAM HOUSE COZ THEY GOOD FOR NOTHING..LISTEN U IDBI GUYS BETTER REFUND MY PROCESSING FEES ORELSE I WILL SUE U IN CONSUMER COURT U ....!

PUMMY SHAH
CASE NO MUMTHN0006974
please somebody help me to get my refund amount of 15k with this home loan financial thanne branch and fire off this manager vandana sandeep and her asst officer pramod tambe

I had availed of Housing Loan from LIC Housing Finance in August 2003 and had handed over original LIC policies, details given to below, against this loan:
>>Policy No.[protected]
>>Policy No.[protected]
>>Policy No.[protected]
>>Policy No.[protected]
>>Policy No.[protected] maturity date 27.4.2010
>>Policy No.[protected] maturity date 28.8.2011

The last two policies above are under the SSS scheme of LIC. As Policy No.[protected] matured on 27th Apr 2010 and I did not get any initimation from LIC Housing Finance of having received the proceeds and adjusting it against my loan principal amount till end May 2010,I followed up with Mr Narendra Singh, agent, who through whom the loan was sanctioned and thru whom all interactions with LIC Housing Finance is done. He advised me that LIC Housing Finance claims they have no record of the last two policies being held with them against my housing loan and asked me to obtain confirmation from the respective LIC branch that these policies are assigned to LIC Housing Finance.

I hence approached the LIC branch 11J and Mr H K Kumar, Manager of the branch, confirmed to me that that both these policies have been assigned to LIC Housing Finance against the housing loan taken by me. He advised me to tell LIC Housing Finance to send a letter to then requesting release of the maturity proceeds. All this happened on 11th Oct. I spoke to Mr Narendra Singh at LIC Housing finance and on his advise sent an email to Mr Krishna Kant Sharma, the Area Manager Gurgaon stating the above.

Since I did not get any revert I followed up through a reminder mail on 14th Oct 2010 and tried calling Mr K Sharma and Mr Singh over the last couple of days. Today I received a call from Mr Narendra Singh advising that since their computer does not record these two policies, I should connect with LIC branch 11J and ask them to write to LIC Housing finance advising that the policy has matured and to send letter for getting maturity proceeds.

I find this whole process lacking in customer service. All the work and running around is expected to be done by customer when now the direct deailing has to be between LIC and LIC Housing Finance. I have already provided written communicated confirming policies are assigned to LIC Housing finance and hence, LIC housing finance just needs to send a letter to LIC branch 11J advising that they have misplaced the original policies and requesting release of maturity proceeds against matured policy to them so that the proceeds can be adjusted against my housing loan.

I find this a complete harrassement of customer by LIC Housing Finance.

I would sincerely appreciate assistance in being able to obtain the matured proceeds against my LIC policy and having it adjusted against my housing loan with LIC Housing Finance.

The floating rates reduced drastically to 8.5 for new home loans 2 years back & stays at that till today
I took a home loan at 9.5 interest rate in SEPT 2007 with Indian Bank
After 3 - 6 months i.e in early 2008 they had increased it to 9.75 It remains at that even today
If interest rate is floating then they should have reduced it to 8.5 2 years back

I had asked the authoriy many times. They are saying they will not bring down the interest for existing cutomers and only for new customers in order to attract new loan they are providing 8.5% float

The floating rate is supposed to be based on market changes and cost of living changes The bank is least bothered about the pains of existing customers. I am not sure if SBI, HDFC and all other banks did the same to existing customers

I want to know if it is beneficial for to transfer the loan to SBI or BOB so that i get started with lower interest rate
I have 20L outstanding; I would like some one to give me a 5 year projection of my present interest rate since over the years the interest component would have reduced a bit Now if i start with another bank major part will go as interest Also i have to pay preclosure charges
whom should i approach in inidan bank to make them reduce the interest rate for existing customer

To
The Assistant General Manager (RACPC)
State Bank of India, RACPC
Jeevan Deep Building
Kolkata.

Sir,

Sub : Home Loan – Rs.9,20,000/- - dated 20.5.2010.

This has reference to the Home Loan for Rs.9,20,000/- in favour of the undersigned sanctioned on 20th May 2010. First instalment of the said Loan was disbursed on in August 2010. EMI was fixed for the first 12 months Rs.9120/-, next 24 months Rs.9620/- and the rest 132 months Rs.9687/- on flexible interest basis. The total loan period was 14 years.
I find from the document that out of the above Rs.9,20,000/-, one time SBI Life premium was 1,19,314/- and the rest amount was Home Loan. It was my great astonishment, I came to know that there was a grave error taken place while calculating SBI Life premium part. It was not Rs.1,19,314/-, but it would be Rs.81 thousand approx. Therefore, total Home Loan would certainly come down to around Rs. 39 thousand.
For the reasons given above, I request you to recast the EMIs immediately and necessary corrections may be made in my Home Loan document. This may be treated as Most Urgent and may be done before debiting 1st EMI from my bank.
Yours sincerely,
Pradip Kumar Baral

Sir,

I have applied a housing loan for Rs 16.00 Lakh (with processing Fee of Rs 5515/-)with Indiabulls housing Finance LTD on 14/6/2010 through Sh Ritesh Maheshwari(Vikas Kumar). I was told that the inteterest rate for first twelve month is 8%(fixed) & processing fee is 5515/- up to loan amount of rs 30Lakh.I was told on 21/6/2010 that my loan is sanctioned.Then i demanded copy of sanction letter.I was told that the same shall be provided at a later date. I was asked to deposit 09 blank crossed cheques favouring India Bull Housing Finance Ltd & one cheque of Rs 20,000/- favoring LIC OF INDIA towards insurance premium of the property to be financed.In addition to this i was asked to sign blank loan agreement by stating that after filling the same the photocopy shall be made avialable to me .In addition to processing fee of Rs 5515/- they have also demanded a Cash amount of RS 1000/- towards the cost of stamps to be affixed on the loan agreement.All above demanded formalities were fulfilled up to 26/6/2010.The processing fee cheque is debited to my account on 1/7/2010 & cheque favouring LIC for RS 20000/-(Cheque NO346028 dated 25/6/10 payable at AXIS Bank, Jodhpur) was debited to my account on 13/7/2010.As of nine blank cheques favouring India bulls housing Finance ltd two cheques (cheque no 715490 of ICICI bank,Jodhpur & cheque no 49202 o[censored]nion Bank of india ,Moti bagh, delhi was not accepted due to various reasons & i was told to deposit fresh cheques in lieu of these cheques,but inspite of repeated requests the cheque no 715490 & 49202 has not returned back.I was given sanction letter for a sanctioned amout of Rs 16.30 Lakh, While i have applied for a loan of Rs 16.00 Lakh only. When enquired about the extra sanction amount of rS 30.000/-.I was told that Rs 30000/- was for the insurance,while the fact is that, they have already taken a cheque for insurance amounting to Rs 200000/-.When i asked the detail of Insurance,no details were provided. Furthur I was asked Rs 3466/- cash towards the processing fee.When i asked that the processing fee is 5515/-,then it is replied that in your case the processing fee shall be charged @0.5%+Tax,when i asked the demand letter for increased processing fee, no demand letter was given.The loan disbursal was demanded for Rs 9.00 lakh,The cheque for Rs 9.00 lakh was handed over to the builder on 12/8/2010.But the EMI of the loan was deducted from my account on 3/8/2010i.e in 10 days advance.The total process was non transparent & harrasing.Furthur the EMI was calculated on the amount of Rs 9,30000,while the disbursed amount was only 9,00000/-
All request to provide the details of such deductions was remain unattented.Now pl arrange to provide following
(i) Cheque no 49202 Union Bank Of India
(ii) Cheque no 715490 ICICI Bank, Jodhpur
(iii) Insurance Policy document against which the Cheque of RS 20,0000/- was debited to my account.
(iv) Insurance Policy document against which Rs 30,000/- premium is paid & debited to my loan account without my consent.
(v) Recipt of Rs1000/- cash paid towards the cost of Stamps.
(vi) Demand letter for extra processing fee demanded in cash.
(vii) Copy of duly filled loan agreement which ii was forced to sign blank.
(viii) As per company policy told the loan rate was fixed for 12 months @ 8%. But in my case it is kept 8% up to 31/3/2011 (9 Months only) Pl explain.

(ix) When disbursal is made for 9.00Lakh, Why EMI is deducted for 9.30 Lakh.
(x) When applied a loan for 16.00 Lakh,Why 16.30 Lakh is sanctioned without consent.
(Xi) Why EMI is deducted in advance without the disbursement.
pl reply with in reasonable time, otherwise iwill be free to resolve the matter Through Consumer forum/Banking ombursedum

Rajeev Kumar Rastogi

I have obtained a loan of Rs. 20 lacs from your home loan branch, rohini vide loan a/c no.[protected] in the month of Feb.-10. At the time of loan, I & bank was agree to secure loan money with the insurance policy and deduct the amount of insurance with the first installement from my account. But, after two months I have received a call from the bank that the your insurance cover not approved by the higher authority. After that, he told that the amount which was recovered for insurance will be adjusted with the monthrly installement. But this amount has not adjusted so far. Secondly, I have made requests so many times that my photocoies of Registry may be sent to my home address i.e. DEVENDER SINGH S/O SH. BHARAT SINGH, H.NO. 258, V&PO DARYAPUR KALAN, DELHI-39 but still awaited so far. Therefore, my both requests may be got cleared, at the earliest.

DEVENDER SINGH
[protected]
e.mail - [protected]@yahoo.com

Dear Sir,

We have longed home loan application of Rs.20 lacs about three month back which is sanctioned from the ahmedabad ambawadi branch about two month back. I and my two elder sisters jointly applied for the home loan. My brother in law is a gurantor for the loan. The loan is awarded to our account but the gurantor name is included has a joint appliant along with the original three applicant. One month before we have given written complained for the removal of the gurantor as a coapplicant but still date we have not received any reply from the concern branch office .

2nd thing is that the money due for the home loan payment is also not given to us due to nonsubmission of one of the banakhat(agreement) document from the builder they have handed over allotment letter of the premises but bank official has not validated our claim. I am sure that the developer are very genuine people and they try to give us necessary agreement paper soon but for the said reason it is not fair to hold up the sanctioned loan in our favour. Under the same circumstances bank has delivered loan to the some of the customers. If loan is not delivered in due course of time than we are force to look for other expensive option for clearing our responcibilities of payment in given time frame. We feel very unusual when loan is sanctioned and payment is hold for some small reason for your valued customer. Our building is also in the finishing stage so there is no matter for refusal to a person whose all credetials are verified from bank officials. I request top authority of the bank that you must see the customer difficulties on case to case basis and try to shorted out the problem/s to avoid delay in payment . Due this long delay i opt for the mortgage loan from SBI to clear the financial liability pertaining to new home. Our BOB home loan application was longed jointly showing our monthly income of Rs.1.25 lacs.The loan period was granted for ten years having installment about Rs.26000 per month. Out of three applicants two applicants are govt employee with one having 10 years remaining from the retirement and second one having about 13 years remaining from retirement not only that joint applicants having Rs.2.25 crore asset and having no liability!. I wonder that we are considered to be one of the safest customer to the bank but even then we face this difficulties. It very desperating experience with BOB. I shall be thankful if you consider our request favourably as earlist pl.

Thanks,
Mayank Acharya

9th June 2010
Bangalore
The Chairman and Managing Director,
ICICI Bank Ltd,
Bandra Kurla Complex,
Mumbai

Kind attention
Mrs.Chanda Kochhar

SUB: Loan no: LBBNG[protected] under Policy No: 4005A/0000040
LAN No: LBBNG[protected] of Shri.K.N.Shreesha

Respected Madam,

This is to bring to your kind attention regarding the Recovery notice issued to late Shri.Kadaba Narayana Shreesha, a past employee of ICICI Bank Ltd, who was sanctioned a home loan by ICICI Bank Ltd for the property he purchased in Mysore at the address, House no 569,Venkata Krishnaiya Road, College Road, K.R. Mohalla, Mysore, by Asset Reconstruction Company of India Limited.

An amount of Rs 14, 50,000/= was sanctioned to him on 22.08.2003 for a period of 290 months, the EMI starting from 1.10.2003 onwards. Mr.K.N.Shreesha had paid the instal ments fully until his demise suddenly due to a fatal road accident on 27.01.2008.

Subsequently, I the wife of the deceased and the co-obligant of the said loan submitted the claim papers to the Bangalore Branch of ICICI Lombard General Insurance Company vide claim number[protected] during February, 2008 with all connected documents as required by the Insurance company.

Further all other details pertaining to the Home loan, Insurance policy, claim together with all the required documents were furnished to ICICI Lombard pursuant to a letter dated 14.05.2009. Almost seven months after the above submissions, ICICI Lombard General Insurance limited Retail PA claims department vide their letter dated 4.12.2009 under the reference number RC/0002202/01 sought a few more details which were also furnished forthwith.

Pursuant to all the above submissions and representations made thereof, ICICI Bank closed the said loan and issued a communication to the Bangalore address of the dceased Shri.K.Y.Shreesha, 173/143, Subramanya Nagar, 1st main, Milk Colony,Bangalore-21 on 12.04.2010 that the entire loan including balance outstanding EMIs and interest thereof was paid out of the insurance proceeds. I have been waiting since then for the ICICI Bank to return all the documents pertaining to the said house in their possession to me.

We are astonished now to receive a notice under Section 13(2) of the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act,2002 by a law-firm LAW Vibes with address at No:306, 46th cross, 10th main, RamaMandir road, 4th block(above Nilgiris), Rajajinagar, Bangalore-10, acting
on behalf of its client M/s Asset Reconstruction company India ltd (ARCIL) requiring the deceased to settle an amount of Rs 13,58,812.51 within 60 days from 17th May,2010 that is by 16th July,2010 failing which the law firm have threatened the deceased that they will initiate legal proceedings to recover the amount by whatever action they deem fit to do so including auctioning of the house.

This is to bring to your kind attention that the deceased was the sole bread winner of my family and when he died he left me, his wife who is a home maker and a male child of 3 and a half years with magre savings. We,the surviving dependents of the deceased are now being supported by my father, i.e., the father-in-law of the deceased who himself is 78 years of age and a pensioner.

Moreover, we are surprised as to how a settled Personal Accident claim on a home loan by an ICICI Group company, ICICI Lombard General Insurance can be ignored and yet the ICICI Home Finance company referred the recovery of the balance loan amount through Asset Reconstruction Company of India Ltd. It is pertinent here to draw your kind attention to the fact that lateMr.Kadaba Narayana Shreesha was a past employee of ICICI Bank Limited for a period of 5 years from 18.03.2001 to 20.03.2006 having worked as the Regional Head in the Collection department of the main Bangalore branch.

Therefore we submit to your good office that ICICI Bank kindly write to the Asset Reconstruction Company of India Ltd to withdraw their demand on the deceased, claimed vide the legal notice issued by LAW VIBES dated 17th May,2010.

We further request you to kindly use your good offices to treat the loan as closed, the loan indeed having been closed by ICICI Lombard on 12th April,2010, advise ARCIL to drop their demand and release the documents pertaining to the house to the legal heir of the deceased, i.e., me, Smt. B.S. SriVidya the wife of late Shri.K.Y.Shreesha.

I am sure that this action of yours will bring great relief to the survivors of the deceased and be very appropriate in bringing justice and equity to the survivors.

Thanking you for your kind understanding and invaluable help in my life as this is the only asset that my husband has left for me and my son.

Yours sincerely,




SRI VIDYA . B. S

173/143, 1st Main,
Subramany Nagar,
Bangalore- 560021.
Karnataka.

RES SIR ,
WE HAVE PROJECT IN CHINCHWAD NAMED SHIVTEERTH RESIDENCY UNDER OUR CO GAURAV CONST. IN NOV2009 WE SUBMITTED APF FILE TO ONE UR DSA INDIA FINSOL PUNE BR & LOGIN A CLEAN & CLEAR CASE WITH THAT . TILL DATE MY CUSTMORE DIDN'T GET LOAN & WE DIDN'T GET OUR APF NO FROM NOVEMBER UR HIGHLY RESPONSIBLE CREDIT MANGER ASKING FOR DOC EVERYDAY .WE PROVID EVERYTHING THAT THEY WANT ,BUT WE DIDN'T GET RESULT. EVERYDAY WE ASKING ABOUT OUR CASE THERE ANS IS NOT AVAIBLITY OF CREDIT MANGER. UR BANK GIVING THIS TYPE OF SERVICE. DSA MANGER DIDN'T KNOW ANYTHIG ABOUT CASE. IF WE PHONE TO HER SHE TELLING US DO YA TEEN DIN MAI HO JAYEGA . NOW IT TAKES MUCH TIME SO PLS TAKE ACTION ON BOTH &PLS DO FAVOUR ON US BECAUSE OUR PATATIONS ARE .....................

Dear Mr. Mahesh,

At the outset let me thank SBI for such a Good Product Max Gain for Home Loan

Mr. Mahesh If you remember I called you in end Feb 2010, to discuss the issue regarding my wife, Aparna Devikar’s Home loan take over from ICICI Bank. Unfortunately this is not yet resolved till date and the same is pending since October 2009

Back Ground:-

In the Last week of October 2009, we submitted the Home Loan required set of Documents to Shekar Pawar from Swastik Park Branch. Shekar confirmed that the file is put up for credit verification in 1st week of November 2009.We were given to understand that within month’s time things would get done as 30th November 2009 was the deadline for the 8% scheme.

Again from December 2009, on regular basis we are following with Shekar to know the fate of the file. Shekar kept on saying it’s with credit officer & they are awaiting the search report without which the Loan cannot be processed. The bank declared that the 8% scheme is extended till March 2010. The same scenario continued till Feb 2010 we following with Shekar & also meeting him in Swastik Park Branch to know the status but all in vain. Then, we heard from Shekar that the credit officer Mrs Athavale doesn’t remember the name of the Advocate to whom she has forwarded the file for Search Report & hence the agreement copy & the builder NOC is lost. As last try we again submitted the Agreement Copy & the Builder NOC as per the SBI format to Shekar Pawar. The same was forwarded to the Credit officer Athavale in last week of Feb as confirmed by Shekar to us. When things were not happening after lot of pressure Shekar finally helped me with your phone no & e-mail id. That is when I spoke to you & in turn you guided me to Mr. Rauth under whom Mrs. Athavale works as credit officer.

On 19th March 2010, Mr. Rauth confirmed on phone that Aparna Devikar’s home Loan file is not at RAPC & as per the records the same is already sent to Swastik Park branch as they didn’t receive the search report. I was irritated as just a month prior we have submitted the Agreement Copy & the Builder NOC to Shekar who confirmed that he has submitted the same to Mrs. Athavale.



To put an end to things’ finally on 20th March 2010 I personally met Mrs. Athavale at RAPC 1st floor. Mrs. Athavale was having the file with the required set of documents. Mrs. Athavale assured me that she will forward the file to SBI Emplaned Advocate Subodh Malavade who will do the needful for search report. She also asked me to follow up with Subodh for search repot; sounds little unusual that the customer is being asked to follow up on behalf of bank.



On request, given that I am based out of Ahmedabad & my family is in Mumbai Mrs. Athavale gave her mobile number so that, I could reach her. But she never picked up my phone calls & finally I have to call Mr. Rauth for getting access to Mrs. Athavale. Another shock came when I called Advocate Subodh, on 1st April2010, to check the status of the search report and he said he doesn’t serve Pune region & he has already retuned the file to Mrs. Athavale at RAPC. On 7th April Mrs. Athavale through SMS confirmed that the file has been sent to the right Advocate Mrs. Aditi Pawan More from Pune for Search report. From 7th April till 22nd April Mrs. Athavale didn’t respond to my calls or SMS barring once.



Since Athavale was not reachable I called Mr. Rauth again on 22nd April who handed over the phone to Mrs. Athavale. Mrs. Athavale shared with me the mobile no. Advocate More to whom the file was sent on 7th April for search report. I took Advocate Mrs. More & Mrs. Athavale on con-call & Mrs. More confirmed that she has not received the file. How this possible that the file which was dispatched on 7th April is not received in Pune till 22nd April 2010. Then Athavale checked in the Dispatch room to know where the file is & could locate the same. But till date Advocate More have not received the File from Mrs. Athavale.



Two Questions come to my Mind:-

1. When the customer submits the file to SBI for processing as required it is whose responsibility to take care of the documents.

2. Is somebody accountable for such repeated lapses



Hope after going through this mail you would personnel get involved to resolve the same.

Cheating me, by giving me false assurance of granting the loan and after wasting 2 months time, refusing the application without giving any justifiable reason for refusal.
They kept on asking me for the doucuments one after the other and seems they were very clear with the intentions of not sanctioning loan so wasted two months by false promises and did not give me any thing in writing though insisted upon. Unfortunately dealt with persons like Nirav Shah [protected] and Mr. Pranav Thakkar [protected] who never sounded positive to sanction the loan. Verbally I was informed that it being a family transaction the loan is refused,though it is a fact that they were knowing it from day one when the documents were given to them that seller is the bhabhi and the buyer is the brother-in-law. No justifications either given by the "gentlemen"and when asked give in writing the cause of refusal they denied to give the written refusal.
It gave me a feeling that i was not asking for the loan but a favour from the two individuals named above.More shocking fact is, I am the esteemed customer of the bank and hold my saving account with the bank for last five years and more and i am a higher secondary teacher working in a very reputed school of ahmedabad enjoying a senioor most position in the school.

I C.Visalakshi aged 57 years had availed a Home loan of Rs.30,60,000/- from Citi Financial Consumer Fiance India Ltd., Madurai branch through two LOAN a/c's No. 6162037 for Rs. 21,91,000/- and a/c no. 6147566 for Rs. 8,69,000/- respectively on 5/9/2005 @ 11% floating rate of interest.

On 5/11/2008 the company had literally forced and harassed me to issue additional cheques for the increased EMI saying that the rate of intrest has been increased from 11% to 12.65%.

Because of this increase in interest rate my tenure was increased from 240 months to 300 months.

Though the company increased my interest ratewhen there was a increase in the industrial rate of interest they did not decrease the interest rate when the market rates reduced.

Due to this increase in interest rate even after paying my EMI promtly without even a single cheque return for the past 5 years that is from 5/9/2005 till 5/4/2010 today on getting a statement of accounts my outsanding is still Rs.30,22,503/- as same as the amount borrowed Rs 30,60,000/-.

As I have ended up paying only intrest for the past 5 years and since my prinicpal repayment is almost nothing I have deceided to pre-close loan because other wise I will not be able to repay my loan in my life time.


As the company has not done anything for me I would like to request the company to atleast wave my pre-closure charges so that it would be releaf for a senior citizen like me who wanted to create an asset for my children.

I have approched the Madurai branch but there is positive reply.


With Regards
C.Visalakshi

[protected]

SIR/MADAM,
This is in reference to my loan against property account on. 13598726. As we all know according to the policy of RBI,the interest rate has reduced long back ago but the bank didn't decrease my interest rates. I would therefore request the authorities to look into this matter and accordingly calculate the tenure and inform. Also i would request the authorities if they can increase the tenure if the interest increases they should also decrease the tenure if the interest rates are decreased.
Regards,

NIRAJ SHARMA

Kaushik, [protected] working in recovery in New Delhi, Deer Park branch, B-6/7, DDA Community Centre, Safdarjung Enclave, New Delhi. He has such a bad attitude to speak with the customers, I am with Deutsche since it was BHW it is more than 5 years.
Due to some financial problem, my one EMI is pending which I have told to pay by next month. I want the provissional certificate for the year 2010-11 which needs to be deposited by 15th April'10, which on asking he litearly abused. I was shokked how can a person abuse his customer. I was in requestive mode but he banged the phone and told not to call unless you clear the dues. This is just rediculas on the behavior of your employee.
Please take the immediate action on this and revert back ASAP.

To,
General Manage,
RBI

Dear Sir/madam,

I am miss Rekha, residing in Ulhasnagar, is being cheated by one of your employee named Mr. Sunilkumar Rochlani working in Bandra - Kurla complex Branch, his office phone no. is[protected]. He has taken from me Rs.65000/- on 7.4.2010 on behalf that he will immediately pass my home loan from RBI, as he is working in your bank. But he didnt pass my loan so I asked him to give back my money. Now he is saying that he has given my money to my ex-husband. As I am being divorced from my husband on 09.05.2009 so he is not concerned about it. I know that Mr. Sunilkumar Rochlani is my ex-husband's son-in-low. But as I am not living with my husband after divorce than why he given my money to him. Now he is saying that take your money from your ex-husband. why should I take money from my ex-husband, as I have given him, so he is liable to give me only.

Please help me out to get my money back from one of your cheater employee Mr. Sunilkumar Rochlani, as he might cheat someone else also, and might cheated so many persons before me.

As I am middle class lady and have on 3 years old baby girl. Please help me to get my money as soon as possible.

Thanking you in anticipation.

I have join in this organization on 24th day of Nov - 2004, My employee Code was R02816, I was in Home loan dept at Durgapur. on role of HBL Global Pvt Ltd., I have submitted my registion on 5th Mar-2010.
Till date i m not receive my NOC & any reply for my PF.

Pls do the needful as early as possible.

I have taken a home loan from IDBI Homefinance Ltd. bank and now transfering it to another bank. For preclosure of Home loan my existing bank is charging me with the interest for whole of the month of April 2010 even though today it is just 7th of April 2010 besides the preclosure amount as stated by them till 31st march. My last EMI date was 31st march 10 and EMI has been cleared. Please advice that whether it is justified and within the RBI Guidline to charge the interest / EMI upto 30th April even though it is just 7th of April.

My Home Loan sanction on date[protected] and cheque no. 830430 Axis Bank
All my documents and inquary are complete
My registry time[protected]
but Ghaziabad (UP) branch not provide the cheque
this is the late for my registry and I paid 1.5 Lac to seller and all your fees and
charges complete by me.
I have all documents Photocopy

Ghaziabad (UP) Branch is very lazy and dishonest

I hope you coperate me and solve my problem.
I have complaint to the Tilak Nagar Delhi Branch but not solve.

My Home Loan Application No.: 00623994

Thanking you.

Satish Kumar Sharma
[protected]
If the registry not make by[protected] then I go to consumer court
You will be responsible for 1.5 Lac and other expences.

This is Shivprakash p Singh, I have a home loan from ING Vysya bank.
This is to inform you that my home loan amount is around 14, 00,000 lakh
and EMI is 14996 for 20 years.

If I convert my emi 14996 to 18000 rs. per month then what is the time
period?

Kindly confirm the same.

I have taken a home loan from GE MONEY (LAN GDGL[protected] on 12-dec 2007 on 9.75 %. but suddenly after 2 months they increases my rate of interest to 12.40 % . now iam deposit my installment regular from 3 years but my loan ammount is same as three year before and also they increases my installment and tenure,i can`t understand how to finish this loan in EMI, i complaint many times to customer care but no body entertain me now i m requesting you to please help me as soon as possible and do legal action to GE MONEY as possible.

Ref: LOAN A/C NO: LBCAL[protected].

Sub: Requesting for continuing existing EMI of Rs.3676/- on and from 01/01/2011 onwards.

Sir,
This is for your information that I am a retired Govt. Employee and I am paying EMI from my Pension only. Some salient feature are as follows for your perusal :
1) Loan tenure was for 10(Ten) years starting from 01/02/2005.
2) First five years EMI was 4990/- and 2nd. Five years EMI was 2900/-(More or less)
3) At present the tenure is reduces to 7 Years and 8 months due to several times re-settings of EMIs
4) It is clear from Sr. No. (2) above that the 2nd. Halv EMI much less than first halv as because I am to pay EMI from my PENSION only.
5) On July, 2008 I made a part payment of Rs.70000/- directing your Customer Care Officer decreasing EMI keeping tenure unchanged.
6) Your customer care officer gave me aassurance that EMI would be of Rs.3676/- up to the last installments i.e, 58 installments remaining, starting from 01/10/2009.
7) But unfortunatejjy, the tenure is again decreased to 48 keeping the repayment schedule breaking in two halvs as earlier enhancing the EMI to Rs.5277/- on and from 01/01/2011 up to the last.

In this circumstances, I request the favour of your kindly making the repayment schedule on and from 01/01/2011 for 28 installments (more or less ) in order thet the existing EMI of Rs.3676/- may continue to the last one for smooth repayment of loan, as it is maintained till date.

I contacted your customer care officer at Central Plaza, 2nd. Floor, Mintopark, Kolkata for that annomolies, according their advice I have to pray to you for redressal.

Thanking you in anticipation,

Yours Faithfully,

SABYASACHI BANERJEE.
12C/4/1, First Floor, Telepara Lane, Dhakuria, Kolkata-700031.
DATE OF BIRTH: 01/06/1948. LOAN A/C NO: LBCAL[protected]
Total Loan Amount:Rs.350000/-

I have taken housing loan from your institution in the year of[protected] my first pre EMI deducted on 31.10.2004 and first EMI on 01.03.2005 Rs.7035/-
Now I want my balance outstanding amount statement. for some personal purpose so kindly arrange the same. my agreement no is LBPUN[protected]

Regards
Vijay.Jagannath.Chandwadkar.