[Resolved] HDFC Bank Personal Loan — Pre Approved Personal Loan rejected

NTH

from Pune, Maharashtra

Address:

South Delhi, Delhi

Pre-approved personal loan rejected

Hello,

I am from Delhi, holding a salary account in Hdfc bank for more than 8 years and also a Credit card of hdfc bank. Last week Hdfc bank offered me a pre-approved personal loan of 1.52 L. Since I had a requirement, I agreed to it.

I was told that since it’s pre-approved and I also had my salary account with HDFC bank since years, I did not have to provide more documents except for a picture, proof of residence and 3 PDC cheques which I provided.

On enquiring about the procedure I was offered a guarantee that I will get loan of amount 1.5 L and was asked not to consider any other bank for my requirement. With this assurance, I committed someone for money. I provided all the documents as requested along with the blank PDCs. However, the pre-approved loan has been rejected. My loan reference no. is 17290738.

Please consider my problem and reply as soon as possible

Thanks.

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Aug 13, 2020

Complaint marked as Resolved

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Comments

Saji

HDFC — Personal Loan Pre Approval

Hi,

I have applied for a PL in HDFC Bangalore. It was a call from one of the consultant and i have gone thru them to apply for a PL. During submission i have given a wrong proof (Mismatch Bank statments) with my sign on the Print out. The same has been verified by the bank officials and they called me stating there has been a mismatch in the statements (what i have given v/s what they obtained from Bank).

They called me to the bank for further dicussion. Before that i have asked them are they ready to give the loan if i come over there to talk. I have told them yes the statement were wrong...i will provide you the recent one. Then later on they told they wont approve the loan...if i couldn't walk to bank by person they will inform RBI about my mistake and they will file for a fraudlent case.

Is this a valid one that too before approval? I would agree that they can do if i got the cheque from them and not paid the EMI's on time.

I am just confused and getting calls everyday but not attending as they keep on calling stating to come to bank. This is before the pre-approval status and would like to know the comments from you all.

Kindly let me know is there any problem (or) Are they external consultants making call to get some money from me.

Expecting your favourable reply...

Saji