[Resolved]  LICHFL, Thanjavur — EXCESS AMOUNT CHARGED AND INTEREST RATE

Address:

Gautam Buddha Nagar, Uttar Pradesh

Attached are the letter sent to LICHFL for clarification and refund of the excess amount charged by the company. Now,neither they are refunding the amount nor clarifying the charges.

waiver letter is available with me dtd 23.03.2011.
kindly suggest and cooperate for the same.

regards,
GS MUNDE
122, Vinayak Apartments (BHEL)
Plot No. C-58/19
Sector – 62
Noida – 201307

1) Letter send to LICHFL

Date: January 23, 2008
To
Shri D.S.Rawat
LIC Housing Finance Limited
Laxmi Insurance Building
Asaf Ali Road,
New Delhi

Subject: Loan Account No.[protected],[protected] and[protected]

Dear Sir,

I took loan from the LIC Housing Finance Ltd., for my flat (Address as mentioned above) as per the following details:
Table-1
Sl. No. Loan A/c No. Date on which Loan was disbursed Amount of Loan
(Rs. / Lakes) Rate of Interest (Floating) Term of Loan
1 10060921 [protected] 11,00,000.00 8.2% 15 Years
2 10061516 [protected] 1,40,000.00 7.25% 11 Years
3 10062258 [protected] 1,50,000.00 7.75% 10 Years

The following is the statement of increase / decrease in floating rate of interests by LIC Housing Finance Limited (The data taken from the statements received from LICHFL copies of the same is being attached herewith for your ready reference).
Table-2
Date of change in intrest rates Old Rate (%) New Rate (%) Difference (%)
24/02/2005 for Loan at Sl. No. 1 above. 7.5 7.75 0.25
24/02/2005 for Loan at Sl. No. 2 above. 7.25 7.75 0.50**

01/08/2005 for Loan at Sl. No. 1 above. 7.75 8.00 0.25
01/08/2005 for Loan at Sl. No. 2 above. 7.75 8.00 0.25

01/02/2006 for Loan at Sl. No. 1 above. 8.00 8.25 0.25
01/02/2006 for Loan at Sl. No. 2 above. 8.00 8.25 0.25
01/02/2006 for Loan at Sl. No. 3 above. 7.75 8.25 0.50**

29/04/2006 for Loan at Sl. No. 1 above. 8.25 8.25 0.00
29/04/2006 for Loan at Sl. No. 2 above. 8.25 8.75 0.50
29/04/2006 for Loan at Sl. No. 3 above. 8.25 8.75 0.50**

31/07/2006 for Loan at Sl. No. 1 above. 8.25 9.25 1.00**
31/07/2006 for Loan at Sl. No. 2 above. 8.75 9.00 0.25
31/07/2006 for Loan at Sl. No. 3 above. 8.75 9.00 0.25

31/07/2006 for Loan at Sl. No. 1 above. 8.25 8.25 0.00**
31/10/2006 for Loan at Sl. No. 2 above. 9.00 9.25 0.25
31/10/2006 for Loan at Sl. No. 3 above. 9.00 9.25 0.25

31/01/2007 for Loan at Sl. No. 1 above. 9.25 9.75 0.50**
31/01/2007 for Loan at Sl. No. 2 above. 9.25 9.50 0.25
31/01/2007 for Loan at Sl. No. 3 above. 9.25 9.50 0.25

30/04/2007 for Loan at Sl. No. 1 above. 9.75 10.50 0.75**
30/04/2007 for Loan at Sl. No. 2 above. 9.50 10.50 1.00
30/04/2007 for Loan at Sl. No. 3 above. 9.50 10.50 1.00
31/07/2007 for Loan at Sl. No. 1 above. 9.75 10.50 0.75**
31/07/2007 for Loan at Sl. No. 2 above. ? ?
31/07/2007 for Loan at Sl. No. 3 above. ? ?




Now looking at the above table, I am not able to understand, why the INCREASE IN RATE OF INTERESTS is different on same date. Please refer rows where (**) marks are there.

It is requested, the increase in rate of interest may please be maintained on a particular date. You are also requested to correct my account.

Thanking you,

Yours sincerely,



(G.S.MUNDE)

G.S. MUNDE
122, Vinayak Apartments (BHEL)
Plot No. C-58/19
Sector – 62
Noida – 201307

2) Letter send to LICHFL

Date: May 30, 2011
To
Regional Manager
LIC Housing Finance Limited
Laxmi Insurance Building
Asaf Ali Road,
New Delhi

Subject: Loan Account No.[protected],[protected]Closed) and[protected]Closed)

Dear Sir,

I took loan from the LIC Housing Finance Ltd as per loan account numbers cited in the subject above. I have seen a lacuna in the statement provided by LIC HFL.

The EMIs for all the three loans taken by me is as under as per the statement provided by you.

Loan Account No.[protected] - EMI Rs.11868.00
Loan Account No.[protected]Closed in March, 2011) – EMI Rs. 2075.00
Loan Account No.[protected]Closed in March, 2011) – EMI Rs. 1793.00

1. The Total for the above three EMIs comes to Rs. 15736.00. Whereas an amount of Rs. 16004.00 is being deducted from my salary every month by LIC HFL. Kindly let me know that for which head the difference of Rs.268/- is being deducted.
2. If the difference of Rs.268/- is being deducted by mistake, kindly treat this amount as principal refund.
3. The above two accounts which I have closed in March, 2011 and a statement was provided to me which is showing “Excess Amount” at many places. Kindly arrange to refund this excess amount to me at the earliest.

Thanking you and expecting a quick response from LIC HFL.

Yours sincerely,


(G.S.MUNDE)
Mobile No.: [protected]