[Resolved]  HDFC Bank Bank Personal Loan — rejected my loan app. without any specific reason

Address: Rohtak, Haryana

Sir before it I also applied for personal from your bank online smart apply in revert I got a mail my on 19sep2011 I send this mail detail here .but by local side I found a call sir we are providing you only 1 lak of amount sir so I not taken this amount . after that a meham branch open near by me so I again applied here for personal loan and also attached land fard also for increase my loan amount and some reelection on interest rate but at this time a face a no meaning problem .i attach here all my details .

Your loan application has been submitted
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HDFCBankSmartApply.com Team
<[protected]@hdfcbanksmartapply.com>
Sat, Nov 19, 2011 at 10:58 AM
To: AJAY KUMAR <ajay11.[protected]@gmail.com>

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Dear Ajay Kumar,
Your Personal Loan application for Rs. 2,30,000 has been successfully submitted to HDFC Bank
Your application ID for future references is [protected].
What next?: HDFC Bank will contact you within 3 days to schedule pickup of your documents. This is a limited time offer, so submit your supporting documents at the earliest. Email us at [protected]@HDFCBankSmartApply.com if you need any help

Your list of supporting documents:
• PAN Card
• Ration Card
• PAN Card
• Pay slip - last 3 months
• Pay slip - last 3 months
• Pay slip - last 3 months
• Salary account bank statement - last 6 months
• 1 Passport size photo

Your Loan Application Details
Product Personal Loan
Requested loan amount Rs. 2,30,000
Requested loan tenure 4 years
Monthly payment (EMI) Rs. 6,786
Quoted interest rate 18.25% fixed

Calculation of Total Outflow on Loan
Loan Amount Rs. 2,30,000
Total Interest Rs. 95,728
Total Fees (incl. Service Tax) Rs. 6,343
Total Outflow on Loan Rs. 3,32,071
Pre-closure Fee 4% of pre-closed amount



Thank you for using HDFCBankSmartApply.com!
Terms and Conditions:
1. Credit given at the sole discretion of HDFC Bank and subject to credit checks and verifications
2. HDFC Bank reserves the right to revise lending rates/offer pricing without prior notice
3. The terms and conditions of HDFC Bank will apply to this application.
4. HDFC Bank reserves the right to amend the offer upon further review of this application
5. Lending rates are governed by environmental and policy factors. All loan pricing offers are extended presuming stability of lending rates in the immediate future
This is a post-only mailing. Replies to this message are not monitored or answered. Write to [protected]@HDFCBankSmartApply.com, if you need any clarification


Current issue is here

From: ajay kumar [mailto:ajay11.[protected]@gmail.com]
Sent: Monday, April 02, 2012 10:24 AM
To: '[protected]@rbi.org.in'; '[protected]@network18online.com'
Cc: 'ravi.[protected]@hdfcbank.com'; '[protected]@hdfcbank.com'; 'grievance.[protected]@hdfcbank.com'
Subject: FW: 'HBL=[protected]' Grievance Redressal Form-PNO[protected]PA

Dear sir,
On 6th march 2012 I applied for loan application no. 20976178 from meham hdfc bank branch there is dealing person mr. rajesh([protected]). Sir on 15 march I ask to mr. rejesh about my loan application, he called to hissar head office to mr . virender they say loan application is rejected by reason (you have need at lest 3 year of job experience ) , but I have only 2 year and 2 month of in my government job(m.p.h.w-m) in gernal hospital meham. I attached my offer letter and transfer letter on 15 march . after that I again check eligibility from your bank web site here is mention (had a job for at least 2 years, and a minimum of 1 year with your current employer) . I again discuss to rajesh he give me contact no. of personal loan concern person mr. amit rana([protected]) but he also reply same you are not eligible due to your job employer, you had 3 year must so we are not login your personal loan file. I also discuss about this matter to meham branch manager mr. Nitin munjal([protected]). But till date my personal loan file not login .sir please resolve my p.loan request, I suffered at last 3 weak . I think a private bank give me fast loan but I thinking –is it my mistake? Sir I hope you will a favour for me .

Thanks & regards
Ajay kumar
[protected],[protected]
Dear sir this is my problem and I get those meaning-less reply by hdfcbank
And I hope I found a problem solution and also want a punishment for responsible person for my problem (mr. amit rana, and tertiary manger hissar-haryana)

From: [protected]@hdfcbank.com [mailto:[protected]@hdfcbank.com]
Sent: Saturday, March 31, 2012 4:43 PM
To: ajay11.[protected]@gmail.com
Subject: 'HBL=[protected]' Grievance Redressal Form-PNO[protected]PA

Dear Mr. Patel,

This is with reference to your email dated 29th March 2012 addressed to our Principal Nodal Officer, Mr. Ratan Kumar Kesh, regarding your personal loan application no. 20976178.

While we appreciate your sentiments in the matter, we regret our inability to consider your case at this point of time. Our Bank's loan approval process involves detailed credit appraisal, scrutiny of documents and market reference checks.

All loan applications are appraised on basis of certain internal parameters that take into account the factors listed below.

1. Repayment capacity as assessed on basis of financial information / net-worth,
2. Job/Residence Stability
3. Credit History and market reference check.
4. Statistically determined default rates for applicants' profile

We regret to inform you that we are not in a position to reconsider your loan at this point of time as your application does not meet the above -mentioned internal criteria of the bank.

Please be assured that our inability to approve the loan application does not reflect on your credit standing or your financial stability.

We would be pleased to provide any other assistance or service that you may require.

Assuring you our best services.

In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory guidelines, we are also required to mention that you may approach the Banking Ombudsman (appointed by the Reserve Bank of India); in the event you are not satisfied with our handling of your complaint. Should you wish to exercise this option, please log on to our website www.hdfcbank.com for details of the Banking Ombudsman Scheme – 2006.

Warm Regards,
Mohan B.
Customer Service Manager (Office of the Principal Nodal Officer)
HDFC Bank Ltd. C Wing, Trade World, 11th Floor, Kamala Mills Compound, Senapati Bapat Marg, Lower Parel, Mumbai 400013.
{In Archive} 'HBL=[protected]' Grievance Redressal Form-PNO[protected]PA

pnohdfcbank to: ajay11.kumar 03/29/2012 08:05 PM


Archive: This message is being viewed in an archive.

________________________________________


Dear Mr. Kumar,

Thank you for giving us an opportunity to address your concerns.

We acknowledge receipt of your below email received at the office of the Principal Nodal Officer, Mr. Ratan Kumar Kesh.

Your concerns have been highlighted to the respective unit. We shall reply with the status within 4 working days. We appreciate your co-operation and patience in the interim.

Reference number for your complaint is PNO[protected]PA.

We assure you of our best services.

Warm Regards,
Mohan B.
Customer Service Manager (Office of the Principal Nodal Officer)
HDFC Bank Ltd. C Wing, Trade World, 11th Floor, Kamala Mills Compound, Senapati Bapat Marg, Lower Parel, Mumbai 400013.

From: "ajay kumar" <ajay11.[protected]@gmail.com>
To: <ravi.[protected]@hdfcbank.com>
Cc: <[protected]@hdfcbank.com>
Date: 03/29/2012 03:49 PM
Subject: FW: 'HBL=[protected]' Grievance Redressal Form-PNO[protected]PA
________________________________________




Dear sir/madam
The reason of rejection of my loan application is not fair. I attached here mr. amit rana call detail.

From: Grievance Redressal [mailto:Grievance.[protected]@hdfcbank.com]
Sent: Thursday, March 29, 2012 2:24 PM
To: ajay kumar
Subject: RE:'HBL=[protected]' Grievance Redressal Form


Dear Mr. Kumar,

This is in continuation to our email dated March 27, 2012 . We are sorry for the time taken in addressing your matter regarding Personal Loan and convey our sincere thanks for your patience in the interim.

We understand that Mr. Amit Rana of our Personal Loan Division has contacted you in the matter. Subject to the discussions our further advices/ updates in the matter are submitted hereunder.

Your Application has been considered in line with the bank's internal credit policy on unsecured loans and we regret that it will not be possible to approve the case as of now.

All loan applications are appraised on basis of certain internal parameters that take into account some of the factors listed below . The weightages applied to each could vary on a case by case basis at sole discretion of the Bank:


1. Repayment capacity as assessed on basis of financial information/ net-worth,
2. Credit History and market reference check.
3. Statistically determined default rates for applicants' profile (business, area of residence/ work etc.),
4. Bank's infrastructure for collection and follow-up.

We request you to accept the position in good faith. At the same time, please be assured that our Bank's decision is not a reflection on your credit standing and stability.

We sincerely hope to be able to meet your requirements to a better extent in future and thank you in anticipation of your kind understanding.

In line with our focus and commitment to Customer Service, we trust that this Grievance Redressal Cell has addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. If you are not satisfied with the resolution, you may write to our Principal Nodal Officer Mr. RatanKumar Kesh at HDFC Bank Ltd., Trade World, “C” Wing, 11th Floor, Kamala Mills Compound, Senapati Bapat Marg, Lower Parel, Mumbai-400013 or E-mail at [protected]@hdfcbank.com or Fax at[protected]. Alternately you can call at Tel:[protected].


Warm Regards,
Rekha Bhaskar
Officer - Grievance Redressal Cell
HDFC Bank Ltd.
Our PhoneBanking numbers are available on www.hdfcbank.com> Contact Us.

Subject: 'HBL=[protected]' complaints for my personal loan applaction ,HBL=[protected]' Grievance Redressal

Dear sir ,
That is all detail of my complaints.
1. Dear sir,
On 6th march 2012 I applied for personal loan from meham hdfc bank branch there is dealing person mr. rajesh. Sir on 15 march I ask to mr. rejesh about my loan application, he called to hissar head office to mr . virender they say loan application is rejected by reason (you have need at lest 3 year of job experience ) , but I have only 2 year and 2 month of in my government job(m.p.h.w-m) in gernal hospital meham. I attached my offer letter and transfer letter on 15 march . after that I again check eligibility from your bank web site here is mention (had a job for at least 2 years, and a minimum of 1 year with your current employer) . I again discuss to rajesh he give me contact no. of personal loan concern person mr. amit rana but he also reply same you are not eligible due to your job employer, you had 3 year must so we are not login your personal loan file. I also discuss about this matter to meham branch manager mr. Nitin munjal. But till date my personal loan file not login .sir please resolve my p.loan request, I suffered at last 3 weak . I think a private bank give me fast loan but I thinking –is it my mistake? Sir I hope you will a favour for me .

Thanks & regards
Ajay kumar
[protected],[protected]

Replyed by :-grienance redressal


Dear Mr. Kumar,

Thank you for this opportunity for us to address your concerns regarding Personal Loan

We refer to your e-mail dated March 25, 2012 addressed to Grievance Redressal Cell.

The reference number for this interaction is HBL[protected] which is also mentioned in the subject line. Kindly ensure that this reference number is quoted in all future correspondences (if required) in the matter.

The matter has been taken up with the unit concerned and we will revert within 5 (five) working days. We request you to kindly bear with us till then. However, should you require any further updates in the interim, kindly feel free to revert to us.

Your association is greatly valued by the Bank and we will spare no efforts to resolve the matter quickly.


Warm Regards,
Rekha Bhaskar
Officer - Grievance Redressal Cell
HDFC Bank Ltd.
Our PhoneBanking numbers are available on www.hdfcbank.com> Contact Us.

Dear Customer,
This is a system-generated response to acknowledge receipt of your e-mail to Grievance Redressal Cell. The subject line contains the reference number allotted to your e-mail. This interaction is being tracked through the above reference number and we request you not to change the subject line in future correspondence. Your feedback is important to us and we are committed to provide a satisfactory resolution. Our Customer Service Executive will respond within two working days. In case your query requires further investigation and takes a longer time, we will keep you informed on the time required for resolution.
Please click on the attached url for details of nearest Phone-Banking centre: http://www.hdfcbank.com/personal/access/popup_pbnumbers.htm
Assuring you of our best of services.
Warm Regards,
HDFC Bank Ltd.




Regarding this I found two phone call once from mr. amit rana hissar([protected]) regional office, others from [protected].i attech both call recording with this mail.
But sir still I have not found any positive responds by yours side .

Thanks & regards

Ajay kumar yadav
[protected],[protected]