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Housing Loan Complaints & Reviews

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Dear Sir,
FILE NO[protected].
I had applied for a loan of Rs 22 lac & Deposit a sum of Rs 11133/- through Cheque No159719 /18.1.09 of SBI .

You could not pass my Loan so kindly refund my processing amount as early as possible

Regards
Paban Agrawala
[protected]
Aug 14, 2020
Complaint marked as Resolved 
Dear Sir,
I have applied home loan with DHFL and Cheque of Rs. 5500/- taken as processing fee with comitment of if loan will not sanction any reason then processing charges will be refundable, But now DHFL now only refunded Rs. 1000/- after dedection of various charges,

Kindly advise what legal action can be taken for him.

Thanks

SANJAY BANSAL
[protected]
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    Dear Sir,

    My father took a loan of 80000 from a local Sri Rama cooperative housing society ltd of Visakhapatnam, AP and repaid the amount with interest and penal interest and got a "No dues certificate" but the documents were not returned. One fine day we received a notice from AP State housing Bord asking us to pay the loan amount. But my father then went to consumer court and won the case but no one responded.My father expired in the year 2007 and now when we approached the AP state Housing Board Ltd , HYD for our documents, they said those were pledged with LIC Housing Finance LTD.. Please help me out to get back my house documents from the LIC Housing Finance Ltd. Now LIC housing is asking us to pay 4.5Lacs to return the documents.
    Please help me in this regards. I have all the receipts for the total amount paid to the society from whom we borrowed the loan.

    K.S.SARMA
    Visakhapatnam
    [protected]@gmail.com
    Aug 14, 2020
    Complaint marked as Resolved 
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      I also facing similar issue with State Bank of Mysore, They are also demanding for 2% of outstanding amount as pre closure penalty.

      I wanted to pre close my housing loan as they are charging more interest rate 10.25%. But same bank is charging 9.25% for some other existing customers but charging more for me alone. When I approached bank manager he is reluctant to resolve the issue from last six months. For new customers the same bank is are offering 8%. This is really ridiculous service by a nationalized and a reputed bank like SBM.

      Below is the statement in per SMB Website:

      If the loan is pre-closed from own resources for which proof is submitted by the borrower to the satisfaction of the Branch Manager, pre-closure penalty shall not be levied irrespective of the period for which the account has run. In other cases, where such proof is not produced by the borrowers, 2% penalty on the amount prepaid in excess of normal EMI dues should be levied in case of pre-closure of Home loans within 3 years from the date of commencement of repayment

      http://www.statebankofmysore.co.in/housing_loan.htm


      Where as now bank is demanding 2% pre-closure even though I have completed 3 years in loan period.
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      Aug 14, 2020
      Complaint marked as Resolved 
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        Sir,
        myself is manoj kumar singh, i have applied housing loan thourgh sbi home loan after 20 days of applied bank call me and say u r cibil dafulter .
        i see mine report where mine name is correct but mine address is not correct phone no. is also wrong nd date of birth is not correct. then i tried to contact cibil office mumbai..in this connection what can i do....thank u manoj kumar singh
        Aug 14, 2020
        Complaint marked as Resolved 
        do you civil reporters has sense or not?

        what kind of reports you will submit to the consumers the information which you are providing is totally wrong.

        how can you give a report on a person who dont have any credit card that i have cheated credit bills i will file a case on you in consumer court

        check twice before giving a report

        Housing Loan — Tentative Loan statement for 2012-13

        Not possible to download the statement of repayment of housing loan for the financial year 2012-13. I am to submit it to my employer for the purpose of TDS. My loan account number is [protected]. My email address is [protected]@gmail.com

        Chandra Kant Shah
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          Reference: - Loan File No- 490 dt. 26/7/97 with M/S GIC Housing Finance Ltd, Lucknow.
          1. In reference of advertisement given by M/S K.C.Homes & Services Pvt. Ltd. sister firm of M/S Gopal Krishna Builders , Lucknow in the month of June-97, I approached M/S Gopal Krishna Builders for the allotment of Flat costing Rs. 3,90,000/- in “Sookh” complex at Munshi Pulia, Lucknow.
          2. It was told by the builders M/S Gopal Krishna Builders that all necessary documents in relation to the above property are with M/S GIC Housing Finance Ltd. and having tie up with M/S Gopal Krishna Builders for the sanction of housing loan to the allottees of flats in “SooKh” Complex.
          3. Only after it was agreed to by M/S GIC Housing Finance Ltd. that it will finance and they have properly understood the property documents submitted by M/S Gopal Krishna Builders, I proceeded for allotment for flat and entered into agreement with M/S Gopal Krishna Builders on 4-7-1997.
          4. On my loan application dt. 5-7-1997, M/S GIC Housing Finance Ltd issued letter of offer on dt.[protected] and sanctioned loan Rs. 3,00,000/- .
          5. A tripartite agreement was entered on dt.[protected] into between M/S Gopal Krishna Builders , M/S GICHF Ltd. and me. First installment of loan Rs. 1,90,000/ was released and paid to builders on dt. 5-11-97 by M/S GICHF Ltd.
          6. Following payment was made by me towards the cost , loan processing fee etc. till March-98 :-

          Sr. No. Description Amount Date To Paid by
          1 Advance Cost of Flat 1,53,500/- From 23-6-97 to 12-11-97 M/S Gopal Krishna Builders me
          2 Advance Cost of Flat 1,90,000/-
          (loan) 5-11-97 M/S Gopal Krishna Builders M/S GICHF Ltd.
          3 Loan Processing Fee, Administrative fee and loan repayment installment 15,992/- 7-7-97 to March-97 M/S GICHF Ltd. me


          7. As per tripartite agreement inspite of my repeated request to the builders M/S Gopal Krishna Builders have not arranged to execute deed of transfer of the above property and this was brought in the notice of M/S GICHF Ltd. by my letter dt. 21/8/98.
          8. In aforesaid situation of breach of contractual liabilities by the builder and inaction by M/S GICHF Ltd. I requested the M/S GICHF Ltd. to obtain the total refund of my money paid by me and M/S GICHF Ltd. to builders as per tripartite agreement.


          It is already more than 11 years over I have neither received back my money paid to builders M/S Gopal Krishna Builders (Rs. 1,53,500/-) and M/ S GICHF Ltd. (Rs.15, 992/-) nor the possession of flat.

          Both builders M/S Gopal Krishna Builders and finance company M/S GIC Housing Finance Ltd. have breached the Tripartite Agreement and cheated me.
          Aug 14, 2020
          Complaint marked as Resolved 

          s.gopal — regarding membership fee

          i am ur creditcard holder. my card no is [protected].in my last month statement u have charged rs.595 as membership fee.but while issuing the card u have told that this is life time free membership.so reverse that amount or i am ready to surrender my card.reply soon.
          They haven done similar fraud with us, they disbursed loan on illegal property by doing nexus with branch manager
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            Dear all,

            Please do not take any housing loadn from REPCO HOME FINANCE. Ther are cheating peoples. If we took housing they charge more fee i.e. Processing Fee 2% Documents charges 1%, Documents safe charges 2%, and legel fee etc. if we took housing loan from REPCO when we are going to preclosure they charge remaining month of loan ie. 240 X 2 % balance in the principal it will come around 1,20,000/- for 15 lack loan amount, please be take care and do not take housing loan from REPCO HOME FINANCE LTD.

            Take care.....

            Warm regards
            Loaner
            Aug 14, 2020
            Complaint marked as Resolved 
            Repco Home finance provides yeoman services to middle class people who are mostly out of reach of normal, banking channels, their system are transparent and never hold any information, tehy charge processing fee of 1% with service tax and administrative fee of 0.5% of loan amount and no hidden charges, they provide free property and personal insurance cover, i m one of the satisfied customers of the said organisation.

            With regards

            Savithiri karur
            I am trying for ahome loan from repco, can anyone give me advice
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              Dear Mr. Praksh,

              In this era of fast electronic communications, does it take this much of time to get this information. Neither Bank is confirming whether due to oversight cheque was not presented nor giving information if it got bounced ( I need scanned copy of bounced cheque).

              In case cheque got bounced ( for which I am doubtful), no one cared for more than a year to communicate the same to me either at my correspondence address or permanent address of Dehradun which is available with the Bank. What the recovery department has done from the Bank in this regard ?.

              Please provide the information at the earliest .

              With Warm Regards,

              Arun Kumar Sharma

              From: Arun Sharma/Marketing HC/BIOCON
              Sent: Wednesday, August 05, 2009 6:04 PM
              To: 'Nithya.[protected]@hdfcbank.com'; Prakash.[protected]@hdfcbank.com
              Cc: 'arungwari'; 'Manju.[protected]@hdfcbank.com'; 'Sangeeta.[protected]@hdfcbank.com'; '[protected]@hdfcbank.com'; 'mahesh.[protected]@hdfcbank.com'; 'Arun Kumar Sharma'; Arun Sharma/Marketing HC/BIOCON
              Subject: RE: Please give information (Home loan A/C no:[protected]

              Dear Mahesh,

              As per your SMS and our subsequent telecom there was once cheque bounce against June 2008 EMI of my housing loan.( ICICI cheque no 123037). I have checked my account and this cheque has not been presented by the bank.

              In case you have evidence of cheque bounce please provide the same. If due to oversight Bank has not presented the same, I expect bank to admit by confirming through mail and collect new cheque from me immediately.

              With Warm Regards,

              Arun Kumar Sharma

              From: Arun Sharma/Marketing HC/BIOCON
              Sent: Tuesday, August 04, 2009 12:49 PM
              To: 'Nithya.[protected]@hdfcbank.com'; 'Arun Kumar Sharma'
              Cc: 'arungwari'; 'Manju.[protected]@hdfcbank.com'; 'Sangeeta.[protected]@hdfcbank.com'; '[protected]@hdfcbank.com'; 'mahesh.[protected]@hdfcbank.com'
              Subject: RE: Please give information (Home loan A/C no:[protected]



              From: Arun Sharma/Marketing HC/BIOCON
              Sent: Tuesday, August 04, 2009 12:48 PM
              To: Arun Sharma/Marketing HC/BIOCON; 'Nithya.[protected]@hdfcbank.com'; 'Arun Kumar Sharma'
              Cc: 'arungwari'; 'Manju.[protected]@hdfcbank.com'; 'Sangeeta.[protected]@hdfcbank.com'; '[protected]@hdfcbank.com'
              Subject: RE: Please give information (Home loan A/C no:[protected]

              Dear All,

              I need to be sure about proper custody of my sales deed against which I took above mentioned housing loan. Please provide me list of documents held with HDFC bank.

              I am ready to pay the applicable charges for the same.

              I could not get any response for my below mentioned mail.

              With warm Regards,

              Arun Kumar Sharma

              From: Arun Sharma/Marketing HC/BIOCON
              Sent: Monday, June 29, 2009 1:30 PM
              To: Arun Sharma/Marketing HC/BIOCON; 'Nithya.[protected]@hdfcbank.com'; 'Arun Kumar Sharma'
              Cc: 'arungwari'; 'Manju.[protected]@hdfcbank.com'; 'Sangeeta.[protected]@hdfcbank.com'
              Subject: RE: Please give information

              Dear All,

              After this mail and Nithya’s initiative, couple of people from HDFC gave me a call on my mobile. Someone called me from HDFC housing loan section and informed that they are taking scanned copy of sales deed from Gurgaon office and someone will call me in next 10 days time so that I am able to go to Bangalore office and get the letter.

              Since then nobody cared to talk or remained in touch. It does not take this much of time to get the scanned copy from Gurgaon to Bangalore and issue the letter.

              Now I have decided not to collect this letter from HDFC. I am arranging funds to close my loan and then collect my original sales deed from HDFC Bank.

              Let me be very frank- the response from the bank was very disappointing in this regard, nobody cared for responding to my mail and even courier letter. I never imagined that customer care will be of so least priority for such a reputed bank.

              Now I humbly request all concerned not to give me a call ( mobile/ landline) in this regard.


              Regards,

              Arun Kumar Sharma



              From: Arun Sharma/Marketing HC/BIOCON
              Sent: Wednesday, June 03, 2009 12:44 PM
              To: 'Nithya.[protected]@hdfcbank.com'; Arun Kumar Sharma
              Cc: arungwari; Manju.[protected]@hdfcbank.com; Sangeeta.[protected]@hdfcbank.com
              Subject: RE: Please give information

              Dear Nithya,

              Please help me in getting a letter ( Details mentioned below). This is sent by me as a request by courier today, however through mail, you can facilitate the same faster.

              Regards,

              Arun Kumar Sharma
              [protected][protected]-----
              To,
              HDFC Bank Ltd, No. 548 /D, Maruthi Mension,
              IInd Floor, CMH Road,
              Indiranagar, Bangalore .560038
              Date: 28.05.2009
              Sub: Request for a certificate from the bank giving details of the land / sales deed against which loan was taken for the purpose of mutation of the land.
              Ref: Home loan A/C no:[protected]Earlier Home Loan A/C no 3ALA 2481866-Centurian Bank which subsequently got merged with HDFC Bank Ltd).


              Dear Sir,
              Since above mentioned loan was taken for a piece of land mentioned above for the purpose of construction of a house. I have applied for mutation of the land in Tehaseeldar’s office in revenue dept of Dehradun. For this purpose we need original registration papers of the land which are pledged with your bank.

              My advocate who is handling/representing my mutation has suggested me to procure one letter mentioning the following:-

              Loan Taken by Arun Kumar Sharma S/O Shri Kanhaiya Lal Sharma resident of Gangotri Vihar, Village Sewla –Kalan, behind 36KV power house, West Canal Road, Dehradun. (As mentioned in Sales deed registered, which is in your possession).

              That the Registration papers are with with Bank.

              The buyer: Arun Kumar Sharma S/O Shri Kanhaiya Lal Sharma
              Seller: Shri. Mahboob S/O Mohd. Sadheeq resident of Bharuwala, Clamentown, Dehradun.

              Date of execution of Sales deed: 01/07/2005
              Details of the land: Khasra number 206, Area 3024 Square feet or 336 Square yards situated at Mauja Bharuwala Grant, Cant Area, Clementown, Dehradun. (All above required are part of registered sales deed pledged with your bank)
              Please issue this letter at the earliest so that we are able to complete mutation formalities at the earliest. My correspondence letter is mentioned below:-
              Arun Kumar Sharma
              Biocon Ltd, Healthcare Division, Tower 2, Ground Floor, Semicon Park,
              Electronic City Phase 2, Bangalore 560100.Email: [protected]@gmail.com; arun.[protected]@biocon.com, Phone[protected]Resi), Mobile [protected]







              From: Nithya.[protected]@hdfcbank.com [mailto:Nithya.[protected]@hdfcbank.com]
              Sent: Friday, May 29, 2009 12:44 PM
              To: Arun Kumar Sharma
              Cc: arungwari; Arun Sharma/Marketing HC/BIOCON; Manju.[protected]@hdfcbank.com; Nithya.[protected]@hdfcbank.com; Sangeeta.[protected]@hdfcbank.com
              Subject: Re: Please give information
              Importance: High


              Mr. Sharma,

              Your loan has been transferred to us and your loan account number has changed. The cheques that you have issued to us, will get exhausted by July, 2009.
              You can get in touch with Mr Prakash at [protected], for further details on your loan.

              There was also a communication sent to the address that is maintained in your loan records.

              We will try and get you the details at the earliest from the branch side as well.

              Assuring you the best of services at all times...


              Thanks and Regards
              Nithya

              Relationship Banking Head
              HDFC BANK Ltd
              Koramangala
              [protected]
              Arun Kumar Sharma <[protected]@gmail.com>
              05/29/2009 12:27 PM To Sangeeta.[protected]@hdfcbank.com, Manju.[protected]@hdfcbank.com, Nithya.[protected]@hdfcbank.com

              cc arungwari <[protected]@gmail.com>, "Arun.[protected]@biocon.com" <Arun.[protected]@biocon.com>

              Subject Re: Please give information






              Dear Ms.Sangeeta,

              Please provide the details once you are able to check it with concerned Dept.

              With Warm Regards,

              Arun Kumar Sharma

              On Wed, May 27, 2009 at 3:38 PM, Arun Kumar Sharma <[protected]@gmail.com> wrote:
              Dear Sangeeta,

              I took housing loan From bank of Punjab Limited Dehradun ( Which subsequently merged with Centurian Bank -that further got merged with HDFC Bank) in 2005. Details of my housing loan account number are:-

              Home Loan A/C: 3ALA2481866

              Now I need to send cheques against my monthly installments of the housing loan . Earlier ( In 2007) these cheques were deposited by me at Dehradun Branch. Please help by informing me the followings:-

              1. Cheque should be in whose favour
              2.To which branch or Bank ( with Address) I should send the cheques.

              For last 2 hours I have been trying to reach[protected]/85 numbers to seek clarity. No one is picking up the phone and your call centre is having only this as number for Home loan inquiries.


              With Warm Regards,

              Arun Kumar Sharma
              Biocon ltd
              HDFC Account No: [protected]

              Address: Flat No NA 1-34, 3rd Floor, Vijay Enclave, SRS Nagar, Behind IIM, Bannerghatta Road, Bangalore 560076.
              Phone[protected]R)
              [protected]

              [protected] Forwarded message[protected]
              From: <Richa.S.[protected]@hdfcbank.com>
              Date: Thu, Apr 30, 2009 at 8:13 PM
              Subject: Change in Relationship Manager_HDFC Bank Ltd.
              To:
              Dear Sir/Madam,

              Greetings for the day.

              would like to inform you that I am moving out of the bank for good. A new Relationship Manager (RM) will be assigned to you from 1st May'09.

              The new RM will be introduced to you in a weeks time. In the meantime, for all service related issues and any other queries please contact the Service RM, Ms. Sangeeta @ [protected] or [protected].

              Please mark all your service related mails to Sangeeta.[protected]@hdfcbank.com and Manju.[protected]@hdfcbank.com

              The Bank will continue to extend its best of services to the best of its ability.



              For any feedback or escalations please write to the manager Ms. Nithya Sambandham at Nithya.[protected]@hdfcbank.com




              Thanks & Regards
              __________________________
              Richa Singh
              Relationship Manager
              HDFC Bank, Koramangala.
              Mobile: [protected].
              Ph. No:[protected].
              Aug 14, 2020
              Complaint marked as Resolved 
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                Ref. loan account no. 22045916
                Sir, Six(6) advance Multi city cheques of PNB, Civil lines, Bulandshahr numbering[protected] were deposited with the branch for EMI payments upto Sept.2009 out of which the branch has already submitted 2 cheques 215101, 02 and the Emi has been credited to the LICHFL in April09 and May09 on presentation of the cheques to the bank.
                The Branch has sent ECS confirmation to the PNB Chandpole Branch, Jaipur for which no option was given by me. On hearing from the LICHFL I had informed to the person concerned on phone about the submission of ECS to wrong branch and also informed that my PNB branch does not support ECS facility. I also informed the person on line about the Advance Cheques against EMI upto Sept.09 are already available at the branch and requested to present the same to the bank but after all assurances I'm regulerly getting messages for the payment of EMI and SMS notice from your recoveery agent..
                The branch has sent me defaulter notice at my Jaipur address along with the default payment charges for which I'm not responsible till your branch has advance EMI cheques.
                On[protected] I have requested the branch for submission of June EMI cheque to the bank for payment as the EMI has not been credited to the LICHFL till 22-6-09 by e.mail.
                Please take notice of my complaint and instruct branch to present June EMI cheque to the bank immediately and wave off alll default charges as per notice sent at my Jaipur address.
                The branch has 4advance cheques nos[protected] with them. I will deposit more advance cheques before the earlier provided cheques are exahusted by the branch.
                Reply to the complaint is awaited.
                Regards.
                Dr.Ashok Kumar Mehrotra
                Aug 14, 2020
                Complaint marked as Resolved 
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                  Aplied for Housing loan with SBI, Aliabad branch, Hyderabad in October 2008. The property for which loan applied is already under approved loan by SBI of the same branch. To save time Registration of property was done and and submitted application for reimburshment. Finally SBI(RAPC) rejected the loan application for want of a particilar original document of 1992 with out which they already issued loan in 2004. I got the property registered because documents were there in bank and no problem with any link documents.

                  SBI took almost 3.50 months to process my application and reject the same. afterwards I approached other banks like HDFC, IDBI who agreed to give loan on the present documents but refused as the time gap between registration and date I approached them is more than 3 months time.
                  I would have got loan from other banks had the SBI rejected my application without taking so much time.
                  Aug 14, 2020
                  Complaint marked as Resolved 
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                    Dear Sir,

                    I Neeraj Khare having above housing loan account from ICICI bank Noida sector 50 Noida Branch.
                    For your kind information I have wrtten several mail to the customer care and Visited the several times to branch each time I get the response that still complete list document are pending each time new query is arises and neither the branch nor the customer care peoples tell where is the problem and I have not been provided the full list of link documents till yet a months passes each time I get the responce we have send your request we have not received any response.
                    I am requiring only List Of Link documents of Flat No. 37-D, Super MIG, Express view apartment Sector – 93 Noida. I am giving several mail and also visited the Sector 50 ICICI Bank home several times during these 25 days but I have not been provided the list of link document till yet. and please ensure me that you have kept all the link document in One docuket so that I dont have any propblem. I am not receiving any reply form the customer care nor a phone call for this small issue. each time the branch people say within 5 days you will get the response each time I have to take the leave for this small issue.

                    I am giving all the details of loan a/c no. so that you can trace it easily.

                    Please send me the total list of link Documents immediately of the above mentioned flat loan account no.LBNOD[protected] of ICICI bank.

                    Which has been executed in 3 stages at the time of sanctioned and disbursement of the which are as follows-

                    1. Loan account No. LBDEL[protected] in the name of Mr. Ajeet Pratap Srivastava which has been paid through balance transfer be ICICI Bank Ltd.
                    2. Loan account No. LBDEL[protected] in the name of Mrs Anupama Naithani which has been paid through balance transfer be ICICI Bank Ltd.
                    3. Loan account No. LBNOD[protected] in the name of Mr. Neeraj Khare who the existing owner of the flat.

                    You are requested to sent all the list of documents relating to aforesaid property linked documents.

                    You are requested to kindly send me the mail id of GM, Vice President, and President and their phone numbers so that I can write directly to them.

                    waiting for a reply.

                    Thanks and Regards

                    Neeraj Khare
                    [protected]
                    Aug 14, 2020
                    Complaint marked as Resolved 
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