[Resolved]  HDFC Bank — HDFC home loan[protected] Cheat customers - No fair practices.

Address:

Gurgaon, Haryana

Hi All,

My name is Haris Khwaja Mohammed I am working in Gurgaon.(Really shocked, surprised and depressed with HDFC)

I have a Home loan with HDFC LTD-Account[protected] for the amount of Rs 510000 from lucknow. Being an honest customer I have been paying my Emi on time for the last 3 years.
My interest rate was Initially 10.2% , slowly and gradually as the rates go higher HDFC increased my ROI to 11% to 13.5 % as of today. There was no intimation from the bank to me that the Interest Rates has been modified.
After three years , Somehow a source of mine told that the current ROI is 10.75% with HDFC and I am paying a very high ROI.
“IT SHOULD BE THE REPONSIBILITY OF THE BANK TO REVISE THE ROI AS PER THE RBI REGULATION WHILE INCREASING OR DECREASING.”

When I checked with HDFC bank in Gurgaon Mehrauli road First India place they said they will convert the rate of interest however I have to Rs 2159 as processing fees.
I have paid them the amount however my query remain there as “Bank has increased the ROI as per their current rate last year(without notifying me) and charged me nothing however when the ROI has gone down they want me to pay them to revise the rate to their current rate i.e 10.75%” is this a joke.

More over they have no answer to this question and doesn’t entertain such talks.

I would really never do any business with HDFC again. They only rob citizen of their own nation .Complete Bhrashtrachar!!!

Regards
Haris Khwaja
[protected]