Dewan Housing Finance Corporation [DHFL] Complaints & Reviews

Hi,

This is in regards to the Home loan we have with Diwan Housing Finance Ltd.In the year 2013 we had received a Loan saction letter fron DHFL however due to some reason the deal of our house was cancelled and accordingly there was no disbursement of loan.However they took a loan processoing fee of Rs.32000/-although there was no disbursement.

In the year 2014 we finalize another house and received a second sanction for the House.This time again we paid processing fee of Rs.20000/-with a assurance from them that they will pay back us the previous processing money we had paid them.

We had approach the Borivali(West) DHFL office manager as well as send a e mail on their email id multiple times however we didn't received any positive response from them.

Request you to look into this issue and help us to get our dues back.

We have the bank statement and bank receipts as proof of when the money was paid to DHFL, and even after multiple attempts we have not yet received the refund of the amount

Regards,
Tejashree

I applied for home loan to DHFL bank and I cancelled the loan also because which was said, was not followed. The EMI of Rs 25, 845 (cheque no.-592545)was deducted before disbursing the loan in my account. My two cheque were encashed without any prior information to me.It was told that loan interest rate would be 9.55 but it was 10.02 on the paper. I was assured that the receipt of paid fee of Rs. 16, 400 would be sent via mail but it is not sent till today. It is requested many times to return all my documents and fee (six cheque, Rs. 16, 400 and the documents of property and mine ) but no action is taken on my requests and the bank is asking the details which are not provided to me i. e- loan account no., branch of my registered email id etc. again and again not returning my dues.

BY- Sandeep Sharma

Hello DHFL,

Since You have not replied to my email and least bothered about whats happening around. Let me do a good favor to you and let you know whats happening around, If you don't take serious actions things will be messed up big time. I have mentioned everything in points below to make you understand better

1. First thing first please refer my pervious email and understand what was going around.
2. I am a genuine customer with excellent credit and I challenge you to prove it wrong and any given point and I bet my life on it.
3. After my previous email things went on well and people followed up quite fast and even approved the loan which made me extremely happy and thankful.
4. I am more glad to let you know that NO ONE from DHFL came to my house ever for verification and I was the one following up every time by visiting your office almost every day - HINT. Is it due to my credit scores or you run business in this way ???. Please keep this point in mind which will relate things.
5. My request was being followed up by your representative name viswanath, who was my first and last contact from DHFL. My first impression about him was good until he started showing his true intentions.
6. As mentioned in my previous email I have submitted all the documents and even provided more reference documents which could clear the verification process faster.
7. There were few documents which was provided to you by me and were misplaced from your end and I had to provide them again. Which was done intentionally by the representative and was part of his plan ( I am providing the email attachment which I received from your representative)- HINT.
8. Since the missing documents caused delay and i was angry because we were losing time. This made me speak to the branch office manager Gopalkrishna and he was the one who accepted that the document was misplaced from your end (these were the two documents
1) Copy of Sale Deed, bearing No.1304/2014 & its link documents/pahanis for 13 years.
2) Copy of Encumbrance Certificate from 01.01.1996 till date.)
9. Few days after that the loan was approved and I even came to office along with the co applicant my mother and completed the paper work and paid the remaining amount by cheque.(Just to let you know I paid almost the same amount to viswanath as I did to DHFL and the reason were stamp paper, signature correction and what not . I was okay with the amount which I paid to viswanath, since I was happy the loan was approved.(I signed on the documents and agreed the terms and conditions on the 5th of match). Addition to that he made me accept the Indemint bond which you very well know how it changes things (Which was part of the plan) . - HINT
10. As DHFL needs a copy of pass book or cheque of the owner to prepare the payment cheque. I approached the owner and asked for it. He clearly rejected when I asked for it and I even tried to convince him for 3 days. Then viswanath asked for his number and spoke to him and I was surprised to the core he agreed to provide everything in 10 minutes.-HINT. Then I went and collected the banking copy which I still have it with me along with the photograph of the owner. This time the owner seems to be happier…hummm.
11. Now when the loan was approved and finally I will be able to buy what I always dreamed of, Suddenly on the 10th of march (which was supposed to be my registration date initially) I get a call saying that there is a missing link document 27460/2006 AGPA. This obviously as a customer made me feel irritated, even after that I was patient enough and Viswanath followed with the owner and he got it done quicker than I expected - HINT.
12. Again on the 11th of March, Viswanath asked for one more document which I don’t recall what it is called and he still managed to get it somehow from eseva by paying from my end and submitting it to someone for verification and god know what kind of dumb person he is - HINT.
13. But somehow the loan got approved and even the cheque has been printed and is ready to be issued to the owner at the point of registration. This made me very happy and I was so happy to the core.
14. What surprised me was the owner was aware about the cheque printing and loan approval way more before than I do. Much surprising was the owner even knows my CTC, workplace and god knows what all my financial information - HINT
15. Since I was in a very happy mood and all excited about registration. The owner now was delaying registration date and this was all planned beautifully and flawlessly.
16. Yesterday, I have been to the document writer who was referred to me by owner and fortunately he was not at office. This made me think over all from the scratch and investicate it myself to the core.
17. Now please go to my 6th point which says I even provided more documents for quicker verification and one of them was online encumbrance certificate. I am attaching the file for better understanding and if a person like me can understand it, I am sure you can understand it better and please look into the below image. Looking at the below image of file attached Chinna Narasimha Reddy is not a owner in the first place and is pure fraud.

Inline image


18. Since I took me just a day to figure out such a simple thing and I am not telling why was it not figured out from your end????-HINT . and I thought about it for a while and the answer very simple this document had never reached you and the credit goes to your agent viswanath, on whom I can bet 100% (Please take your time and search for it).
19. All this while I was following up with only viswanath from the beginning and did things which he asked for every time only on trust nothing more nothing less and below mentioned are the points for better understanding
· He asked me to make a notary by paying 10, 000 Rs to owner (This payment I made only after viswanath talked to the owner )
· First cheque for 2865 Rs for initial processing.
· Second cheque for 4050 Rs for further processing Charge.
· 1500 paid by cash without getting any receipt.
· He charged 200 rs for each stamp paper signature claiming it’s a must and had to be used . I believe he used more than 10, so that makes 2000 Rs.
· Getting the paper work and required documents from my end I spent around 2000 Rs
· Above all it took me depressing amount of time to follow up with documents and long hours of travel, which was okay with me if everything was legal.


20. I went extra mile and even figured out the owner and viswanth had made a deal if the loan gets approved he gets some share of money, I will very soon get those numbers. Please relate all the -HINT mentioned above which will give you a pinch of what i am going through right now.

Respected Sir whoever is reading it. This is a hard earned money please respect and value customers who invest trust and faith in your company.


I am supposed to get the registration done under my name on Monday or Tuesday. I am very glad that I was able to nail this story sooner than later.

Just to let you know I have not revealed all this to Hyderabad DHFL team because things will go missing and get settled internally.

Please note i just want my hard earned money back along with interest, with the same trust and faith i invested on to your company nothing more nothing Less. So kindly take ownership and contact me ASAP to resolve it before things get messed up It took me 3+ hours to explain all this and It wont take much time to put it on social media, news paper or take it to High Court .

Since i dint get reply from you in the previous email and i am even not sure if you have even tried to know who i am, so just for reference below mentioned are the details.

Reference No.[protected]
Customer No.[protected]
Customer Name. -- Robin John P

I am a genuine customer please value it and this the last stage of my politeness and hope i am doing a right move here to invest my faith and trust that you will take action to this issue in your fasion.


Regards,
Robin
[protected]


From: robin john
To: "[protected]@dhfl.com"
Sent: Wednesday, 2 March 2016 6:22 PM
Subject: DHFL Loan experience

Hi DHFL,

To whomsoever it may concern

I am writing this in reference to the service which was provided to me which is completely don’t make any scene. To start with I was interested to purchase a land which is located at Badangpet Hyderabad which is pity much close to my office and my current residence. After a lot of follow up with owner and conducting self-research I came to a decision to get Land + Construction loan ASAP.
My Friend who is already staying at the same venture and fortunately taken the loan from DHFL referred me, since I was excited and want to purchase land and complete the construction sonner than later. I followed up with DHFL and submitted all the required documents and convinced the land owner that will make the total payment within 25 days. Since I have a excellent flawless credit(I have never taken any loan till date), property is with clean documentation and My friend who referred me to DHFL has closed the loan (Loan Account Number [protected]). I was confident enough this will expedite my request at the earliest.
I have been interacting with the DHFL sales team regarding the documentation got everything sorted out and submitted on the 20th Feb. I was very much confident enough that nothing should cause a problem. Then recently I was called by DHFL guy for site visit then had a photo shoot answered all his questions and made him talk to the neighbors to get his questions answered and even provided the loan account# of my friend to expedite the validation process. Since all the things which were expected to be done from my end were fulfilled on time.
Since it’s been 12 days and I dint herd back from anyone I gave a call to the sales team and he informs me that there have been problem. That’s when it triggered very badly . The opposite plot was financed by PNB (Punjab national bank) and the sales agent even approached me but I ignored since the processing time was 15 days and Moved to DHFL since I was on a impression that things work faster here and i was informed everything will be verified within a 7- 10 days.
Now that I have wasted these many days and good amount of money and get in return a horrible service. I deeply regret from bottom of my heart for choosing DHFL. Why do you even give commitment when you can’t keep it? Or attest let customers know early so that they can look for other options?

If you say there is a problem with my credit OR Problem with property I will accept it. Here the request/question is simple when DHFL is able to provide loan for individual who stays in same venture Y can't it give me? And if something is stopping you don’t you think its your minimum responsibility to let the customer know ?.

Since, my day is already wasted today just to get your simple reply. I would really appreciate if you at least let me know this sooner than later. So that I can stop entertaining you people and take business elsewhere.

Hope this email trigger what i am trying to say.

Thanks for nothing,

Regards,
Robin
[protected]

I have sent so many emails and contacted customer care for my house loan prepayment charges.I have not received any response and information.This feel really bad.I have to pay my loan completely.I want to know why there is no response after many emails.Is this dhfl company policy to hide the prepayment charges information. Dhfl is a big cheat home loan company and the best worst customer care.Stay away from this ..

DHFL Is good but the employ working in DHFL is cheating type guys they don't do there job on time and make customer suffering, as my friend as been cheated by DHFL. They done there half process and provided approval section letter and informed to registration of house and submit paper after this process they had start there verification process and cancel loan.

Can any one help to escalated matter to reimbursement amount of registration of house as it cost go near 1 lac which is not small amount for lower middle family.

DHFL power User as to look in this matter as cheated by agent. Which spoil company.

Please suggest or should we file a case in consumer court.

My loan a/c no 1771, belapur branch.
I CHARAN LAXMAN KADAM.
i went belapur DHFL branch date 8/3/2016. asked for full statement. i am not took statment a single time from last ten years. when i asked for full statment branch manager told me pay 286 rs. without pay money i cant give u statement. if i give u statment without pay money then DHFL throw out me from orginzation. very joking experience for me. manager left the job becuase of my statement.
DHFL pls revert me

I am one of recipient of most pathetic customer service from DHFL. i shifted my loan account due to their pathetic customer service, despite paying them in full last month, since morning i am getting the calls from their call centre for the payment of EMI. on being told that i had already repaid the loan the TC told me you have to pay as it is showing in their system. on contacting some body else there, she told me that it is happening from their mumbai office over which she doesn't have any control.

And the quality of Telecalling, the way they talk is no way you feel like you are dealing with a company which is endorsed by SRK.

Seems DHFL is in the business of extortion and who ever by mistake becomes their customer, treat them a declared defaulter, and give them the world call pathetic customer service. And the kind of internal coordination they have in era of service is really amazing, every body to whom you talk will talk something different and force their version only.

I had a terrible experience dealing with them when i was their customer and wanted to come out of this nonsense that is why i shifted my loan to some other institution.. Today was the height of nonsense when i started getting the collection calls despite paying them fully with all their non sense loan closure charges, not to mention of the pain i have to go through to get my documents.

God bless all @DHFL... my loan account no is 4128

Hi Sir/Madam,

I have take a loan account code no 11086 and amount is Rs. 1789601/- from DHFL Jaipur Branch and When loan sectioned i paid total processing fees is Rs. 20108/- and after that i have revised my loan amount with Rs. 1744801/- and my processing fees to be paid is Rs. 19605/- so make refundable amount is Rs. 503/[protected] = 503).

Now i have been closed my loan with fully pre payment on 23rd Dec. 2015.

But now when i call to DHFL Office then DHFL executive said, I will call you after confirmation day by day. same response we heard from DHFL.

Regards

I am working as a referral partner in DHFL . My Code is B 804, Name - Rukhsana Usmani . I have done 2 cases under this code but still not received the payout from company . Everytime I visit the office they say that u will receive payout in this month . Still i have not received the payout .
Office address - LK tower, Sardarpura, Jodhpur .

Pls resolve .
Regds
Zakir Hussain c/o Rukhsana Usmani

This is with reference to my home loan account in DHFL.. Account No.[protected]Branch : Bandra) in name of Suma Acharya. Its almost more than a month I have submitted the demand letter from Mohan Willows to DHFL, but still they have not provided me the cheque against the same. On 10th February I got a call from my agent stating that DHFL has misplaced the demand letter, hence requested for a duplicate copy.. On submitting the same on 11th February, till date I haven't received my Cheque. Attaching copy of Demand letter and completion certificate from architect for reference

Builder are continuously following up for the same. Incase If I don't provide the cheque to builder before 22nd February 2016, they are going to charge interest for the same. Want to know who is going to bear the interest

I got loan from DHFL. At the time of registry they issued wrong Demand Draft and that incorrect DD No. mentioned in my registry papers. Now when I am trying to correction in my registry papers, there are some additional charges of correction in registry office.
This mistake done by DHFL bank, mathura branch by their executive Mr. Avashesh Gupta. Now they are denying to bear additional correction charges and stamp duty. in such case what should I do...?

Despite of lodging a complaint in the month of december with dhfl customer care, nobody has yet contacted me. I had paid the processing fees of RS 5700/- to dhfl, and i am not going further with the loan process coz i had cancelled my plan to puchase property due to financial issues. So Please Refund my amount of 5700/- which i paid as a processing fees to dhfl. Following is the details of my loan.
Application no : 01230844
loan sanction : 26th november, 2015
Loan amount : 26, 46, 163/-

Sir/madam,
i have applied for loan and also pay a sum of rs.25000/- two months ago.still you have not provide me loan. hence i am not interested in your service.
i hereby request to you kindly refund my fees at the earliest.

dileep satale
advocate bombay high court

This is to bring to your notice a sequence of events in which I was defrauded by DHFL's representatives and despite repeated attempts to reach out to the company I have not solicited any response to my grievances.

16/01/2016 - I had applied for a home loan vide application number 01256028. The loan got approved by DHFL and I was sent an email confirming disbursement (through raj.[protected]@dhfl.com). I was then made to sign documents as per the norm and I consented to the process and disbursement.

19/01/2016 - I was charged a loan processing fees and a pre EMI fees by DHFL which I was happy to pay as I was expecting my loan to be disbursed soon as per DHFL's email commmunication through raj.[protected]@dhfl.com and a physical sanction letter that was presented to me by Mr Manish Rathore, a representative of DHFL, employee code 09001893. I have a physical copy of the sanction letter, a copy of the sanction letter on email, a cash receipt for all the fees I paid and a banking proof of the pre EMI charges that were deducted.

27/01/2016 - I was then informed by Mr Manish Rathore that DHFL had infact cancelled the loan due to an adverse report from their lawyers in regard to the same loan.

08/02/2016 - Then, I instructed all three, Mr Manish Rathore, the Nodal Officer of DHFL and the CEO of DHFL via email to withdraw my application and refund all the fees I had been charged and also provide me a reason as to why DHFL decided to cancel the loan proceedings. The reference code for this communication provided by DHFL was FB/SR/HO/FEB16/102.

11/02/2016 - DHFL then went ahead and presented a cheque, that Mr Manish Rathore had obtained from me in bad faith, for an EMI even though the loan had never been disbursed. I had to instruct my bank to stop payment on the cheque and had to pay further fees for such instructions.

12/02/2016 - I, then received an email from satpal.[protected]@dhfl.com instructing me to pay penal charges for the EMI, on a non existent loan.

12/02/2016 - I have emailed all the parties, [protected]@dhfl.com, [protected]@dhfl.com, manish.[protected]@dhflsales.com, raj.[protected]@dhfl.com, satpal.[protected]@dhfl.com and [protected]@dhfl.com, but I am yet to receive a reply from any of them. The email communication reference provided was FB/SR/HO/FEB16/102 again.

I am yet to receive any of the documents I submitted for the loan process, any of the cheques that were obtained from me in bad faith and a refund of the fees and the pre EMI charges that were fraudulently charged.

Hi, This is rupesh Gaikwad, I have applied for Home loan in march 2014.one of executive from DHFL told me submit require document and I have submitted.after taking to much follow up with boisar branch they sanctioned my loan in August 15.after sanctioning of loan we have done morgage registration 10% of loan amount in august 15.
my home loan is self construction plan, in this I have completed 20% of my home construction.bank technical person visited site and submitted the technical report to bank in sept 15 but they didnot release the cheque.branch manager, executive are only commited to me your cheque will relaease.they are fooling me. I have taken follow up and they relaese cheque of 80, 000 rupees only in oct 15.after I I started my self home construction and completed 15% home construction.bank person visted site and submitted report in 23rd Jan 16.today is 9th feb 16 but still not release 2nd cheque.I have dropped so many mail to Dhfl branch manager, executive but they are not responding to my mail.My loan sactioned amount is 1376009, my application no.01191166.They are taking to much time to release cheque two to three months approximately.they are doing fake commitment only.hence I am suggest people and my colleague to dont apply in DHFL for home loan.if anybody is checking this kindly look into this and resolve issue.

We had taken a LAP from DHFL in 2011. The company has been charging us un bearable interest and despite five years of payment of EMIs the outstanding is same as initial amount & they have not provided the actual certified statements to indicate how the money has been appropriated.This is despite various requests to their Branch & call centers.

The DHFL Thane Branch & Call centers have been harassing us over the closure of our above account (SRDIS[protected]FB, SRDIS00102974 & SRDIS[protected]:

The following issues are still pending:

1 The foreclosure amount is much more than the statement of outstanding as issued by DHFL office
2 The EMI for Jan 16 has been deducted twice & no refund issued so far
3 No follow up mail as well as phone call has been received so far and no one attending to call at Thane office
4 There is no clear calumniation indicating how my EMI adjusted since loan started in Jan 2011 as foreclosure amount is almost same as disbursed amount showing how the DHFL mis-represents its customer about the un ethical practices

The company on purpose delays the foreclosure & has harassed me by charging foreclosure penalty for delay on their account. Also deduction of EMI twice in Jan 16 amounts to unfair trade practice despite verbal promise by call center & Thane Branch so please refund the same without delay.

Regards

Capt K Gopal
[protected]

I have got my home loan transferred from Axis to DHFL in March 2015.

When the builder raised the demand in oct, DHFL people took 20-25 days to get the cheque made after lots of follow up. Their executive Mr Rajeev Sharma is a useless fellow who does not even bothered to inform to customer.

Now I got a demand again from builder and I requested DHFL (on 18.01.2016) to make the payment. Till today (05.02.2016) they have not made payment. Everyday after lots of phone call follow up from different phone numbers he promise for today but that today never comes up.

DHFL is a useless company and I will advise everyone not to go with them.

Plot Loan application started on 23rd Nov, 2015. I have submitted all the documents within 2 days time and my processing fee cheque amount credited within a week time. After that the actual game started, there were multiple technical assessments, multiple people giving different updates on the loan. Initially they said, i will get 52L and after a week they said, they can give only 32 and in the end they said, they got approval for 24L. Here comes the worst part, after they said, i am approved for 24L, its been more than 1 month and i didn't get any update, not responding to my calls, and no cheque. I already escalated to their top management including their CEO as i was deeply hurt with their behavior. Please please please.. Do not go with DHFL. These guys are not fit for anything. There is no minimum courtesy for the customer. No body knows whats happening with the loan. Wrong updates all over the place.

I can be reached @ [protected]@gmail.com if anybody wants more information.


Thanks,
Prashanth.N

After repeated requests DHFL team is not deducting full EMI of our home loan and forcing us to pay the pre EMI ammount.

I have home loan from DHFL ( previously know as Fist Blue) since 2007. I am paying EMI every month and i did partial payment few times.


recently i checked my online record. it shows interest rate 10.05%, year 2014 it was 11.35, 10.5 and 10.25%. Record shows change in interest rate but there is no change in EMI amount or total tenure of payment with interest rate change.

I checked record in Sep2014 and recently in 18 Jan16. both the record shows same tenure and money for EMI payment.