Address: | Ghaziabad, Uttar Pradesh |
Dear readers
I applied for home loan to Axis Bank, Ghaziabad branch (loan a/c no Loan Account No - PHR[protected]C) thru their DSA Dashansh.
Perhaps the worst customer care and poorest of services levels are just some of experience I had in dealing with the bank and DSA. My sincere advice to be very cautious in dealing with following persons at Axis bank and in particular with Axis Bank Gaziabad Branch.
Vikas Mehan (Loan Manager)
[protected]
Ajay Hanspal (Bank Manager)
Contact: [protected]
Riddhi Sengar- riddhi.[protected]@axisbank.com
Nitin Tyagi - Nitil.[protected]@axisbank.com
The major issues in my loan dealing were :
1. The loan granted to me was not as per what I applied for. I applied for 60 months tenure and was given a tenure of 144 month which resulted in additional interest liability of 10 lacs on me. It looks like that DSA or branch at their end change the loan tenure at their end without my consent / approval. When I brought this to Vikas Mehan / Nitin Tyagi's notice, they said as per my financial eligibility, credit deptt changed the tenure to 12 years. In such case Axis bank should have contacted me and check if I want 12 years tenure and processed my application only after a written consent for revised tenure from my side.
2. The subvention letter which goes to builder alongwith payment cheque was not sent and after 3 month of rigorous followup with Vikas Mehan, Ajay Hanspal and customer care executive, it was delivered with a delay of 3 months. Builder levied a penalty of Rs 50,000 on me due to late submission of subvention letter.
3. The security cheque (which should not be deposited, its only for security in case of default by borrower) was deposited and amount transferred to Axis bank. However, money was transferred back to me after a 2 months of follow-up with Vikas Mehan & Ajay Hanspal.
It is quite astonishing that a financial institution making such glaring mistake, that too, one after another and till date, there is no response from the bank to solve this issue.
Prashant Jain
prashant.[protected]@rediffmail.com
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I have taken home loan from your bank 3 years ago. My home loan a/c number is LBPUN[protected].
At the time of taking the loan your executive Mr.Paresh confirmed that the EMI date will be 10th of every month. But after that the EMI started at1st of every month and on that i am unable to pay because the salary reflects at 8th of every month.
I have given 3 written complaints regarding that but not a single reply i received. Because of that EMI got bounced so many times and lots of charges applied.
Your bank is not ready to give me the record of repayment i have done.
So, I humbly request you to cancel those charges and redirect my payment schedule and send the outstanding amout's statement also.
Thanking you.