[Resolved] HDFC Bank bank (Former Centurion Bank) — Personal loan Cheating | |||
I have taken a loan of 6 lakhs from centurion bank at an interest of 13 % as per the following conditions. 1) The EMI would be 13691 for 60 months 2) I could close the loan at any time without the preclosure penalti after 6 EMI's( this was the reason I took the loan) I'm now in usa and I have paid 41 EMI's( Its taken from my hdfc account as ECS) and I would like to close the loan. when I requested a closure statement from HDFC, it is saying a total diffrent scenario. HDFC claiming that.. My loan amount is 6.12 Lakhs( I got only 6 Lakhs) Outstanding -2.54 Lakhs preclosure fee is 4% of outstanding balance, 893- late payment( I never missed an emi) interst on the date till closing- 972 So total amount is exceeding the amount I pay the future 19 EMI's. The interest/ principal chart they have given me also is diffrent. when ever I write a complaint, they ask for 7 working days time to replay.. sofar 2 months is over. they dont send me the documents also because i'm in USA. Itried to reach their manager..no use. So as per my experiance the bank9s) will be very sweet till your loan approve..after that they will kill us..they dont keep their promises..I cant fight for that from here.There is no point of sending emails.. Was this information helpful? | |||
Aug 13, 2020 Complaint marked as Resolved | |||
 2 Comments | |||
Comments
HDFC is a bank that is full of crooks. My father and l invested £50K with it's merger bank..was Bank of Punjab in Amritsar Golden Temple Branch. Since HDFChas taken over. Despite the the Fixed Deposit maturing sometime ago. They are refusing to return my money with or without any interest. They are the worst greedy people l have seen and l hope soon someone will take them to the houses of parliament over their scandals. There is corruption from top to bottom in that bank. I have worked hard to save that money. All was fine when it was Bank of Punjab.
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You might have seen some advt in the papers announcing the concession. These cutouts or clippings are neither kept by the bank for reference. They should put it into the system. You may not have copy of the advt perhaps??
Such is the case! without evidence you cant fight.They take you for a ride. Today in India, all banks, cellfon companies and all multinationals are in a spree to make the most of the profit by simply looting the public. Public are crooked and not intelligent. They fall a prey to bad companies. People part with property documents without taking fotocopies. Papers can be lost by banks, for lack of recruitment for the past 25 yrs. You cant blame anyone. Nobody is interested in common welfare. We are part of it !
So let the balance amt be pending a court order.
or you can approach CERS, Ahmedabad for redressal!