[Resolved]  HDFC Bank — NON COMPLIANCE OF AGREEMENT AMOUNTS TO MENTAL AGONY AND HARASSMENT

Address:

Pune, Maharashtra

INTERNATIONAL CONSUMER RIGHTS PROTECTION COUNCIL
B-9/55 VIJAY NAGARI, PO-KASARVADAVALI
THANE [WEST]MUMBAI 400 615 INDIA

I would like to bring to your kind notice that, I have obtained a loan of Rs.6,00,000/--from HDFC Bank in May/June-2006 which was repayable in 60 installments, WHILE SANCTIONING LOAN THE HDFC BANK HAS RECEIVED ORIGINAL DOCUMENTS OF MY RESIDENTIAL ACCOMMODATION {+} 5 BLANK CHE QUES {+} SECURITY AS REGISTERED MORTGAGE DEED [2] I have paid all these EMI very regular at Rs.13347/-- pm without any default [3] HDFC bank has received all these EMI from my salary account from UTI Bank and last EMI was due on 7.6.2011. [4] After receiving full and final payment, the said HDFC bank has issued a letter to me and informed that, due to hike in the rate of interest, I am required to pay additional EMI and said three EMI @ RS.13347/-- recovered by HDFC from me [5] I have very specifically informed the HDFC from time to time to return my original documents of my house against which mortage deed was registered and against the house propertly said loan was granted to me [6] The HDFC Bank has informed me issue three additional cheques for repayment over and above my agreed amount which has been collected by the representative of the said HDFC Bank in person [7] I have been very specifically informed that, after receiving all these three EMI my original documents of my house property will be returned to me within 8 days. [8] Now more than 50 days are over and I am being neglected by the said HDFC bank saying that, my concern will be attended in 3 working days or so and till today i have not received my documets [10] Also I have requesged to the said HDFC bank to inform me the calculation of interest that, how three EMI arrived at because of increase in the rate of interest, but sorry to say that, till today the HDFC bank is unable to inform me about the calculation lf interest. [11] I am continously writting to the HDFC bank from 8th October 2011 to return the documents, to register and reverse the mortage deed by registering legally, but the said HDFC bank is simply neglecting my message. Therefore, I am constrain to approach to the RBI Authority for restoring proper justice............ I request and pray necessary investigation may kindly be made to issue necessary instructions to the HDFC authority to do the needful before filing criminal case against the concerned officials of HDFC. with regards..... HKGaikwad



Dear Mr.Ashish Bhatia, Mr.Yadav, Mr.Kaushik,

I am waiting for a documents since 8th October 2011 i.e. the day one when you have received your last EMI, this is as per your telephonic talk, and the payment made with good intention by me. Not only to that, you have promised me that, I will get my documents within 8 days from the day of receiving last EMI. This is nothing but breach of trust and I do not know what is the calculation of interest for recovering additional 3 EMI from me........ will u please submit me the details of payment and calculation of interest for my records........ customer is god and should not threat them as a slaves .... I am repeatedly requesting you to give me details of calcuation of interest and return to me my original documents which u have taken at the time of sanctioning loan..... also you are required to revert agreement of mortagage by registering with the Registrar....... But, you are not taking it serious and forcing me to take legal action against this malafide actions ..... note of this message may kindly be taken in your own interest and you will be held reponsible for the casue, cost and consequence thereof which may kindly be noted....... regards..hkgaikwad