Can fin home loan does the worst we could expect from any loan offering bank.
My father mr balam chand ramola who was the only working member in our family passed away 4 years back and he had an ongoing loan of 4 lac in the noida sector 1 branch which was in sector 18 earlier that i think was the worst mistake of our life.
First of all no one contacted us for any installments when we went there we submit our contact details again and submitted post dated cheques for future installment payments.
They cashed 2 cheques and lost all other cheques and finned us with ecs bounce charges and interest on installments for a whole year without even contacting us as they had lost our contact details too.
They send us a notice after an year for payment at our address after which we went and got our ecs started from a different bank and payed all the fined which we were not even supposed to pay as it was them who lost all post dated cheques.
All they did at that time was to apologize and still charge us with fines and increased interest.
Due to some reason the esc too stopped and as always we were again not informed saying they did not have our contact details. Again the ecs bounce charges and extra interest is what we had to pay.
The staff there is so no cooperative and was ready to put the blame on us for no reason. They did not know how they should be talking to a lady and were shouting like an illiterate when we tried to explain what happened and asked them to at least give us a waver as it was their mistake that they lost the cheques and not even informed us.
After paying them an fd for rs-70000 and paying installments of rs - 5000 for 7 years the pending loan amount for a 4 lac loan is rs 3, 25, 000 which came down to 280000 in the year 2012 and after all the fines and increased interest its still rs 3, 25, 000 after paying an interest of 5000/month for 2 more years which is amazing.
I am really surprised to see their calculation.in spite of having no major earning family member left in our family we are still managing to pay our installments and they being such ridiculous people are still trying to take advantage of our situation.
One should listen to how they talk to you when you try and talk to them. They threaten you, talks so insensitively and doesn’t consider i[censored] are a lady in your 50's.
This [censored] organization was the worst i ever come across. Definitely going to file a complaint in the consumer court against them! Please beware! They don’t know their jobs and don’t know how they should be talking to people.
Even if i have to pay the full amount i atleast dont want anyone else to suffer like this.
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