[Resolved]  LIC Housing Finance Ltd — Misleading information regarding ROI in Home loan

LIC having good policies. But the working employees are not take care about customers. Dealing with customers very badly. No clear response. If goes like that, LIC future will be goes worst stage.

required proper management to watch the employees and similarly customer service to be improved.

dear sir,

I have taken home loan from ghaziabad branch. I paid full and final amount on 31-05-11. The amount cleared from my aT ON 03-06-11. After that the office again deduct monthly ECS on 06-06-11. I mailed to the conserned office but no reply. I called so many time to speak area manager but no body picking phone. Please help to get my mony back. I am also waiting to coolect my original documents also. No body is guiding properly.

p k sinha

[protected]

LIC HOUSING FINANCE — Loan Approval letter still not received

Dear Sir,

I had given document for home loan application to LICHFL, verbally aprooval received me, my file no. is [protected]dated 28 may 2011, but still home loan sanction letter not received thats why we are getting late to Aggrement & builder is not ready to wait, he is going to increase flat rate so I humbly request you pls do needful, waiting for your valueable reply.

Thanks & Regards
Naresh Shinde
[protected]

LIC Contacts :
Deshapnde [protected] Shreepad.[protected]@lichousing.com Recovery Manager
Sandip Patil [protected] Sandip.[protected]@lichousing.com
Usha Kakar [protected] Usha.[protected]@lichousing.com
Yashwant Bodke [protected] Yashwant.[protected]@lichousing.com
Bhavesh [protected] Bhavesh.[protected]@lichousing.com
P SMehta [protected] /[protected] ps.[protected]@lichousing.com
V K Sharma[protected]/[protected] [protected]@lichousing.com

To

The Regional Manager,
LIC, HFL, 2nd Floor,
Jeewan Deep Building,
10, Sansad Marg, New Delhi.

Subject - Complaint against careless employees working in the office at Laxmi Building, Asaf Ali Road, New Delhi.

Respected Sir,

I would like to draw your king attention towards careless functioning of Employees working in the office Laxmi Building, Asaf Ali Road, New Delhi-2.

1. My two LIC policies which were deposited during the issuance of Loan in the year 2003 against housing loan A/C No. 89962 are matured in the month of March-2011.
2. In this regard I have submitted request in the office of Area manager LIC HFL, The Plaza, SF-15, M.G.Road, Near Iffco Chowk, Gurgaon. Mr. Sunil, Cashier assure me that he will sent my policies in the LIC Office situated at 20/4, Palm Court, Sector-14, Gurgaon.
3. After 15 days of the submission of my request, I again visited in the office, situated at Iffico Chowk Gurgaon. Mr. Sunil again told me that he has deposited the cheque (Maturity Amount of two policy No.[protected] and[protected] in my loan account, but he fails to issue receipt to me reasoning that he kept the receipt but not traceable.
4. In the month June-2011, I came to know that Mr. Sunil, Cashier has left the job and no payment was deposited in my Loan Account and I was also shocked to know that my above said two LIC policies are not available in the office record.
5. In the month April I also applied additional loan of Rs. 5 lakh through Sh. Naresh Mehta (Agent) and deposited required documents and my loan was sanctioned vide No.[protected].
6. In the month of June-2011 I was asked to submit Sanction letter alongwith Map of property in original. I handover required papers to Mr. Naresh Mehta and he sent the same alongwith others files of the LIC HFL office from gurgaon in the office situated at Asaf Ali Road, New Delhi through currier.
7. On 27.06.11 when I asked about my loan amount from Mr. K.K.Sharma Area Manager of Branch I was one again shocked to know that sanctioned letter and map of property is not available in the office situated at Asaf Ali Road, New Delhi.,

Sir, I request you kindly take action against the defaulters and issue order for tracing out my policies and valuable property papers otherwise, I will file the case in the consumer court for getting relief.

Yours faithfully,


(SATYA PAL)
R/O H.No.504, Anand Bhawan, Shakti nagar, Gurgaon-122001 (Ph, . No. [protected])
Loan Account No.89962 Old and New loan A/C No.[protected].

Dear sir,

My LIC house loan A/C no.[protected]

i want the account statement about my house loan.from year 2006 to 2008.

Email :- [protected]@yahoo.com

Sir i am waiting for your response .

Thanks.
K.HARIDAS

Dear Ms. Shammi Kumar Ji

This is in ref to our telecon on 17.11.2011

As has been informed by Lucknow LIC Office, a cheque (no. 243533, dated 28.08.11, drawn on Axis Bank) was issued against money back to the cited policy. The same has been encashed by LICHousing Fin. Ltd.

Kindly response to following queries:

1. LIC Housing Fin. Ltd. had lost my original policy. Such a blunder by an organization of repute ?
2. LIC Housing Fin. Ltd. issued a duplicate policy against the lost policy and given me NOC for full and final settlement of my loan account.
3. After full and final settlement of my loan and NOC given by LICHFL, and my name has been strike-off from the books of LICHFL, how come the cheque been sent as money back amount has been encashed by LICHFL and not handed over to me ?

In above circumstances I am constrained to say that first of all I should be given a letter from LICHFL with regard to lost original policy bond and that a duplicate policy bond been issued in lieu thereof (duplicate policy bond was received without any such covering letter).

Further, I should be compensated by money back amount plus interest @ 25% with effect from issue date of money back cheque in my favour till it is received by me.

If your organization fails to do as above I shall be left with no option but to file a legal case against you with competent jurisdiction.



Regards

Ashish Gupta
Jaypee Cement Products
A Unit of Jaiprakash Associates Limited
Regional Marketing Office
Jaypee Rewa Bhawan, 45/21, Muir Road, Allahabad
Ph:[protected]/3/4, Fax:[protected]
Mob: +91-[protected]
website: www. jalindia.co.in






----- Forwarded by ashish1.gupta/JALCERT on 11/23/2011 03:43 PM -----

From: shammi kumar <shammi.[protected]@lichousing.com>
To: ashish singhal <ashish.[protected]@lichousing.com>
Cc: "Sudipta Chakraborty" <Sudipta.[protected]@lichousing.com>, "ashish1.[protected]@jalindia.co.in" <ashish1.[protected]@jalindia.co.in>
Date: 08/06/2011 02:08 PM
Subject: FW: Loan A/C No.[protected]Customer Complaint



Area Manager,
Allahabad,


Dear Ashish,


We are sending the document and file of the loan a/c no. 26600392 to your Area Office with the request to handover the documents to the loanee and send the file after iots acknowledgement to the loanee, Sh. Ashish Gupta as per his request.


Ms Shammi Kumar
Dy. Manager
LIC Housing Finance Ltd.
Lucknow Back Office,
PH:[protected]/ [protected]

From: ashish1.[protected]@jalindia.co.in [mailto:ashish1.[protected]@jalindia.co.in]
Sent: Friday, August 05, 2011 10:42 AM
To: shammi kumar
Subject: RE: Loan A/C No.[protected]Customer Complaint

Dear Ms. Shammi Kumar Ji

As per telecon yesterday, thanks for taking this matter.

Now I am posted in Allahabad. I shall request your goodself, kindly arrange to send my all documents along with my LIC Policy bond to Allahabad, I will collect the same.

Kindly confirm.


Regards


Ashish Gupta
[protected]




From: shammi kumar <shammi.[protected]@lichousing.com>
To: "ashish1.[protected]@jalindia.co.in" <ashish1.[protected]@jalindia.co.in>
Cc: b p shukla <bp.[protected]@lichousing.com>, "Kodai Ram" <Kodai.[protected]@lichousing.com>, Achintya Paul <Achintya.[protected]@lichousing.com>, "Rahul Dubey" <Rahul.[protected]@lichousing.com>, RUPENDER Singh <RUPENDER.[protected]@lichousing.com>
Date: 07/18/2011 01:31 PM
Subject: RE: Loan A/C No.[protected]Customer Complaint




Dear Shri Ashish Gupta,

We have received your e-mail through our Regional Office. In this regard, we have to inform you that you may visit our office for NOC and original documents on any worrking day during office hours. The matter regarding policy no.[protected] is being taken up from our Gomti Nagar Office and shall be resolved shotly.

We regret the in-convience vaused to you.


Yours faithfully,

Ms Shammi Kumar
Dy. Manager
LIC Housing Finance Ltd.
Lucknow Back Office,
PH:[protected]/ [protected]

From: b p shukla
Sent: Monday, July 18, 2011 11:36 AM
To: shammi kumar
Subject: FW: Loan A/C No.[protected]Customer Complaint



From: Achintya Paul
Sent: Saturday, July 16, 2011 1:14 PM
To: b p shukla
Cc: Kodai Ram; RUPENDER Singh
Subject: FW: Loan A/C No.[protected]Customer Complaint

Respected Sir,

Please look into the matter & do the neeful in view of the contents of the letter here by the customer.


Thanks & regards


Achintya Paul
Assistant Manager (Project Finance),
LIC Housing Finance Ltd., Lucknow Region.
Contact No. : +[protected]L), +91-[protected](M).
E-mail :- achintya.[protected]@lichousing.com



From: ashish1.[protected]@jalindia.co.in [ashish1.[protected]@jalindia.co.in]
Sent: Saturday, July 16, 2011 12:58 PM
To: Achintya Paul
Cc: [protected]@sancharnet.in
Subject: Fw: Loan A/C No.[protected]
K/A: Sh. Achintya Ji

I am not sure who is the responsible person in the LIC Housing finance, as a dissatisfy customer and frustrated by the pathetic customer support provided by your officials. I am forced to share my concern to you, in hope to have justice regarding my case at the earliest possible.
I have taken a loan from LICHFL against mortgage of my LIC Policy no.[protected], which was already paid on 18.06.2010.( copy of receipt attached herewith).

Please note that the following

1- Since then I am continuously following Mr. Satish over phone and personally both. No appropriate answer is been given
to me he only say that in a few days the
Policy will be returned and the same will communicated to lic regarding No dues.

2- When the work was not done I have said the things in writing in 3rd Dec, 2010 and a copy of receiving was with me
(copy attached).

3- From then I am continuously following him and one day he said that the work will be done from Gomti Nagar Office,
When my representative reached Gomti Nagar office they said the work will be done from Sapru Marg office. When
again my representative after some days met Mr. Satish, he said to bring the status of the LIC policy which was mortgage
against my loan.

4- Today when my representative reached the office Mr. Satish was not there, he has contacted Mr. Ashok, for getting the
information regarding Mr. Satish that he is present or not. My representative has asked that if Mr. Satish is not here the
please tell me the Person who is above (Boss) Mr. Satish.Then he said BOSS RAHENGE TO KYA ANDA DENGE YAHA".

5- please process my papers as soon as possible because it is a money back policy and in the month of Aug, I am getting
money back.

Hope this will be an insight for you and act as an eye opener to improve the organizational culture to develop the LIC HFL as an organization customer oriented, (No Organization can grow without customer).

Regards

Ashish Gupta
Jaiprakash Associates Limited (Cement Division)
Regional Marketing Office- Allahabad
Jaypee Rewa Bhawan, 45/21, Muir Road, Allahabad- U.P.
[protected]/3/4 ; Fax:[protected] ; f+91-[protected]

Landmark Financial Services — non payment of loan

Sir as per your proposal I deposited Rs 790 for processing fee on 6th January and then one person called me for verification then told me that the loan will be disbursed within 3 days after depositing Rs5660you get the sanction letter I got it by mail and then returned it hard copy signed by me.Then your staff told that you will get the loan but I got a letter where mentioned that a guarantor is required who is civil government employee but I did not get any guarantor that I have written you earlier I can submit my own profile I had a loan of Rs 65000 from fullerton which I have cleared .when I asked to you your person told me to contact your legal officer I contacted him he told me to deposit 10% of total loan amount as security then loan will be sanctioned but it is not possible me to arrange the amount. If you told me earlier I then did not proceed the login no is LMFS/ZKP/2011-12/LFS-AA-1035 please do needful as early as possible waiting for your reply Thanking You Debangshu Kumar Chowdhury

MY LIC HOUSING LOAN A/C NO.[protected] @ BANGLORE. THE LIC NEVER TAKE THE EMI IN TIME AND INSTEAD THEY CHARGE ME MORE SAYING MANY REASONS WITH NO SENSE. THIS IS REALLY CHEATING BUSSINESS . LIC IS A REPUTED COMPANY AND THEY R NOT SUPPOSED TO DO LIKE THIS.
CHRISTIANSUN ANTONY

LICHFL Lajpat Nagar II, the worst choice for HomeLoan
=====================================================

I am filing this piece of text just to let the people, who are thinking of

applying for housing loan from LIC Housing Finance, know the

shocking reality about the racket working under the mask of LICHFL(Ist Floor, K-59, Lajpat Nagar II, New Delhi-24).

My friend Mr Sebastiane who had applied for a housing loan from LICHFL Lajpat Nagar 2 on 16th of September 2012. The LICHFL executives, Mr Vikas ([protected]) and Mr Praveen ([protected]), collected the application form with supporting documents on 16th itself. After that the process of enquiry (both at his house and office) and all done as usual. There were no calls or anything from their end after that. When Sebastiane called them and asked the status of loan, they asked for more documents. Every time he called them, they repeated the same (more document). 40

days passed like that. Whenever we contact them, we got the reply "It's done, you

will get the approval today evening/tomorrow evening, the officer is

hospitalised, my dadaji hospitalised so i could not collect the paper" etc. At

last one day we visited their office at Lajpat nagar-2. There we got the shocking

response from their end. Again they started the old drama, asking for documents,

We need this paper that paper etc. Even after submitting all the documents they

asked for, they started on reducing the loan amount From 20 Lacs to 12.5 Lacs.

At last the day came, the executives Vikas and Praveen came Sebastiane's home

with lots of documents along with approval letter. Sebastiane signed All the

documents, Gave them Rs 5000 as their personal charge along with signed cheques

along with a Rs 12, 000/- cheque on favour of LICHFL. They assured us that the

Loan cheque would be ready in 2 days. That 2 days extended to 2 weeks. This time

they came with another drama. They said Sebastiane should close on of his

personal loan which deducts an EMI of 4300/month from his account.

In short, they have taken our quality 75 days and put us in a real hell. Atlast

we took back all the documents and cheques given and said Good bye to LICHFL. We

lost plenty of time, around 17-20 thousand Rupees, and peace for sometime.

So friends, if you thinking of applying for Housing loan, please Keep away from

LICHFL.

By doing such things with 10 cutomers in a month, LICHFL (Officers) can earn more than 1.2 Lacs without paying a penny.

Here is the phone numbers of the Staff behind the drama once again.

1) Mr Praveen, executive ([protected])
2) Mr Vikas, executive ([protected])
3) Rajeni Kand, officer ([protected])

DOCUMENTS NOT REVD

Dear Sir Still I have not received my Policy documents since October2013 my Policy No is[protected] my lic primium direct deposit from SBI by ECS kindly imdt confirm about my Policy documents