[Resolved]  HDFC Bank — Charged Processing fee before Home loan got sanctioned and now HDFC has not sanctioned loan neither re-paying my money.

sdfsdf — transfer your home loan to LIC bangalore

tranfer your home loan to LIC or new home loan
only BANGALORE CITY pepole contact

ASHOK RAJ
LIC OF INDIA
BAGALORE-560001
MOBILE NO-[protected]
E-MAIL- [protected]@yahoo.co.in

Some of the advocates want to cash on any problem that are before the world .. you cannot blame them ...they need to survive in as much as any body want to.. In any problem, very very few of the professionals (not all) see colour of easy money, putting people into litigation.. Courts are already burdened with so many lakhs of cases and they abhor all frivilous and vexatious suits.. Even our CJI of India has observed that Advocates have their responsiblity in guiding every citizen of India in this process in as much to mitigate every other problem. So that delvery of justice is not stiffled with numerous vexatious cases.. In this regards bodies like National legal Services Authority and State legal Services Authority are doing an yeomen service in reducing the burden of the courts, as the courts are already bursting, overburdened and plagued with numerous firvilous and vexatious cases ... Hence public are cautioned for proper and better advise from professionals and should probe more on all such invitations for those o[censored]s who are disgruntled on any issues, be it services rendered, home loans, product services, cosnumer articles etc. Beware of these people who under the garb of professional advise, would set a trap and render us that much poorer by us spending money on unneccessary litigation. These are the poeple who invite all the gullibles into a long term litigation... you know why !! Their survival exists because of you... Hence forewarned is a better arm for all o[censored]s. Let us respect the Judiciary that has set precedents in this regard. Citizens are intelligent and they would not be spurned by such invitations. J AI H I N D -----Radhika, Advocate, Chennai.

As far as the lower intrest rate to new customer and higher to old is concerened... What they say is
There is this PLR(Prime lending rate) which is decided by the RBI and there is something called as spread, which is mentioned in your loan agreement and which will be same through out your loan tenure.
Your interest rate would eb PLR-Spread. so It is PLR which determine your intrest rate... for the new customers spead may be higher.

And PLR revision they do once ina quarter, suppose PLR has decreased in feb but it will be applicable to you only in April and if PLR increases by April then the incresed PLR will be effective for you.
Please check if this is mentioned in your agreement, if yes and they are not providing you interest rate based on that then u have every right to take them to consumer court.

Attn : Existing HDFC Home Loan Customers - Join Yahoo Group The existing customers of HDFC home loan have formed a group at Yahoo Groups by the name of 'hdfchomeloancustomers' to address the concerns of existing customers who are paying high interest rates. The group unites Hdfc customers and intends to take the issues like high interest rates, conversion fee, increase in loan transfer fee and treatment of old customer's with HDFC. The group is very active, vibrant with people from diverse vocations and regions. Please join the group. Please forward to all you know are HDFC customers"
--standard disclaimer at the end

HDFC Bank - Home loan — Home Loan interest rate charged

Dear Sir

I have taken a home loan in Centurion Bank of Punjab on 7th March 2007 . The Bank is now merged with the HDFC. As per the agreement signed between me & the CBOP the interest rate agreed is only PLR + 0.75 %. But actually Bank is now charging PLR + 1.25 %. means charging 0.5 % higher.

Despite the written agreement over 1 1/2 years now trying to approach various agencies, But no body is responding and giving a solutions to the above problem. Hence I coulnt see any other way except appraoching the Consumer fourms to address the issue.

I am looking for the reduction and repayment of the higher interest charged on my account.

We are also suffering from same problem.

HDFC BANK FOLLOWING HOME LOAN BUSINESS FRADULENTLY BY HARRASSING THE CUSTOMER. WHAT IS DEMARKATION LINE THEY ARE MAKING SAYING IT IS THEIR EXISTING CUSTOMER AND TAKEOVER CUSTOMER UNDER FLOATING RATE BUSINESS. OUR AGREEMENT IS WITH ORIGINAL BANK.. ANY CHANGE DIDN'T ASK US IF THEY WANT TO CONTINUE ACCOUNT WITH THEIR BANK.

HDFC BANK DON;T EVEN RESPOND IF YOU REQUEST TO CLOSE THE ACCOUNT.

PLEASE ADVISE HOW TO RAGISTER OR LAUNCH COMPLAINT AGAINT HDFC BANK.

THANKS

Housing Loan — not provide to me my demanded document

i am housing loan custamer of lichfl my loan a/c no, is[protected]
due to high intrest rate of lichfl i wants to takeover my loan to other bank so he demanded me
1) list of document
2)out standing amount statement
so i was give application in writing to lichfl's surat area office on date 15/04/09 and 08/05/09 and i was e mail to it's h.o., how ever lichfl not send me my demanded document and he ols not care to give any reply to my appli. and e-mail

I'd also taken loan from HDFC and was paying 12.25% from initial 8.75% I'd signed up for.

A smart way is to get out and stay out of high interest rates of Public/Private banks is by using some of NBFC and private institutions which offer lower rates of 6% - 7.5% .

And Its Fixed for entire duration of loan .

I changed from HDFC rippoff rate of 12.25% to 7% from private finance company.

I'll be saving over 16.4 lacs over the next 15 years by changing over to private finance company. This is money I'd have slogged to make banks richer...now I can use it to invest or get out of this loan 35% faster.than possible before.

If interested you can contact
Sujith [protected]

...and tell him Suresh Ancholi referred you to him.

H.D.F.C.Ltd — Change of address

Dear sir, I have 2 FDR of Hdfc ltd. which matured in 2001. But due to some reasons I couldnot renewed it. mean while I requested the bank to change of address as I shifted from Imphal to Guwahati. I requested them to correspondance with me at my new address. Now came to know that my money has been transfered into Consumer education fund. When I asked the bank that to whom they informed about it . They email me that they informed me on my imphal adress. When I complaint about this to them. the assistant manager Me Siddartha Basak said that the change of address was not done under the understanding that the same would be processed at the time of renewal of the Deposit.. Now when I informed them about my new adress int hat case how can they corresspodant with me at my old adress. How can I get back my money.

Home Loan — intrest issue

we have taken home loan from last 3 year ,the loans is in fluctuating basis,

earlier the rates increased day by day but when the rates got down as per rbi they never make the changes in the rate of intrest.

we are getting cheated from the abn amro bank & as we called the bank they said it will get change from next month

please guide us how to solve this issue

thanking you

manish agarwal
[protected]

What is the standard time for home loan approval. In my case, now, it is more than 50 days, the loan is not disbursed. What the HDFC back office people are doing, only God knows..? Totally unprofessional attitude and behaviour by HDFC Ltd.

recently I have taken the home loan from HDFC and going through hell lot of torture for documents transfer. So just want to get rid of these unprofessional people by pre-closing HDFC loan and then move to LIC. Please can you provide me process details to pre-close HDFC loan and move to LIC.

HDFC — HDFC interest rates on home loans

Hi

we took two housing loans from HDFC bank at floating rates. In the past when the rates went up the bank hiked the lending rates/ However now that the rates have come down the bank refuses to reduce the rates giving ridiculous reasong. Please let us know how do we go about forcing the bank to reduce th rate.

The loand have been taken for purchase of flat in Gurgaon

There is no group...

From web:

"There is no group called hdfchomeloancustomers."

HDFC — Charged fee without sanction of loan

HDFC has charged me Rs. 11000, as a processing fee a month back and not sactioned my loan yet. They are neither refunding my money nor completing the the process. It seems HDFC is trying to make money from the fees with no any effort. Please help me know, about the legal remadies available to take-up against this fraud.

Reg. Home loan at HDFC bank — Processing fee withdraw from my a/c

Sir,

I had applied for home loan in HDFC bank on 24th Dec 09. On 1st Jan i got a call from one of the bank rep (who took my appln) that the application is logged in and the file no. is[protected]. But by the time i got approved loan from other bank. Hence i informed them (through phone and by sending the mail to repective person in HDFC bank) to stop processing my loan file. But inspite of the mail and call, they have presented the processing fee in my bank and withdrawn the amount from my account. In this regards, i have sent many mails to HDFC bank and to the concerned people, but got no reply till today (i am following it up from 4th Jan 2010).

Regards
Swamy

sdfsdf — HDFC HOME LOAN - Unfair Policy

I have approached several banks in order to avail home loan for purchase of a flat which is under construction. I found a couple of nationalised banks offering less rate of interest as compared to the private banks. However, since the documentation & the processing time were more with nationalised banks, I had to go with HDFC. I requested HDFC for fixing interest rate for the first two years, like other banks have done, but it was denied then. My loan was sanctioned and partly disbursed in the 2nd week of November 2009. And now during the 1st week of December 2009, HDFC has announced that for new loans the rate of interest would be fixed until Mar 2012. I have approached HDFC again and requested to pass this benifit on to me, but they said it would not apply to existing customers and it was only for new loans disbursed since Dec 2009. I wish to highlight that whenever there is a upward rate revision, it gets passed on to all the customers, but if it is a downward one, it would apply only to new and not to existing customers. I don't see any justification here. Can some regulatory authority look into it and make necessary amendments to the Home Loan policy so as to make the interest rate uniform for all the customers?

most popular banks like HDFC ICICI when we touch in bank they told home loan section is close for two three months i am living in latur

Dear Sir,
This is devesh raj singh
i will give u best way for ur prbm

Thanks and regds
Devesh Raj Singh
[protected]

I am also a customer of HDFC paying 10.25% interest rate for my home loan, I also want to reduce my interest rate, Please help me.