Dewan Housing Finance Corporation [DHFL] Complaints & Reviews

Dear Sir,

I have not yet received sanction letter, my file was submitted on one month before.

I have already informed in an email to your office, and also submitted all the required documents as advised by your office.

Appreciate if you could please expedite the process and provide the sanction letter at the earliest.

Thankyou very much for your kind support.

Dear sir,

DHFL-Sangareddy
I am applied for house loan for 4, 00, 000=00, Processing fee paid 1% and 10.30%of service tax for the amount of Rs:4412=00, by cheque.B.M Mr.Nageswar rao and
sales person Mr.Mallikarjuna .sanctioned for 4, 30, 000=00, insurance in ICICI for the amount of Rs 21, 248=00, 18 empty post dated cheques and one guarantee, etc

These things are not intimate before the applying the Loan 15.01.2010.it is very late
and insurance is very burden to me.if adjust the insurance i will take Loan.if not i want refund of p.f also.pl.advise to concerned immediately .further i will approach to RBI-Ombudsman at Hyderabad. B.M is also speak with rashly.Branch and staff are very very bad response.

thanking you,

R.RAMACHANDRAREDDY
MANAGER (F&A)
HYDERABAD.

very very bad service

This is with regard to DHFL Bangalore Office.
Applied for a home loan in May 2009. All papers submitted, Company done all inspections and queries, encashed the Service Charge cheque (Rs. 5500), Issued Sanction letter and signed the Agreement after paying more than Rs. 600 in cash. Finally they asked for Guarantor Certificate which I took some time to arrange. For this also I spent some money (~5000). On submition of this, DHFL started sleeping on it citing reason as "forgot due to oversight". After every 3 months, they ask for new Salary Slip, Bank Statement etc. and some other documents (pertaining to one takeover loan). Now after one year, still they say, "sorry, will do it soon". Nowadays they are asking me to submit new Guarantor Certificate as the old one is more than 3 months old.
Now, all these problems are happening due to company's negligence. Still they ask me to arrange newer documents for which I need to spent money (by collecting bank statements etc.). Cannot understand why they are dealing in this way. They can tell clearly why they are not releasing the money. Or they should tell me why they are dealing with me in this way. Apart from the mental stress, I am losing quiet a lot of money also. I am a person aged 55. They should treat me at least as a human being. Being a man with meagre income, cannot afford to lose money in this way. Please suggest me the next step.

I totally disagree all these complaints.
I have also taken housing loan from DHFL and is very much satisfied from their service and excellent guidance from their B.M. & other staff members.
First of all my friend had approached DHFL and had availed housing loan from them. And me too had asked for the enquiry from them. The DST & BM both have guided me through the policy, legal documents (which is very necessary while purchasing any type of property and to check whether it is free from all encumbrances or any default or is not mortgage in any other banks), ROI, PF, Loan cover insurance & other charges, etc. I am very much satisfied from their service.
We the people dont understand the exact requirement of the sanctioning authority.
They are also having Triple protection plan for free which they offers to their customers and it includes life, property & job loss insurance.
I also gets my loan account details, change in ROI, Interest certificate, etc on regular basis on demand and on my personal emails id.
I really want to thank them for their good service.

this guy is really bull ->> DHFL Vasai Manger (Rajesh Nair)

i would like to know does DHFL provides the copy of the final report or anything in writing after the legal checking that everything is ok because before doing the registration i would like the confirmation from the bank.So kindly suggest me about the legal proceedings.

Dear friend best cheat company in INDIA they are the first in the line to increase the ROI when there is a revision of interest rate but when it comes to reducing the rate when RBI slashes the rates they donot recently may be May-June 2012 all major bank reduced ROI till now DHFL has't CHEAT NO-1

I hav a loan from DHFL and now i want to know that if i ll transfer my loan to other bank than how much i hav to pay to DHFL as prepayment charges?

dear sir,
my lone code is L - 84 i dont received my lone statement po please give me my statement or suggest me how i found it.
Thanks
Manoj thakur
lone home branch -itrasi (mp)

loan code ;-0006576
cust code :[protected]
file no. 00008951
i am customer of your company . ihave taken a house loan from your co. i was paid up your loan as on18/11/2009 but.i cant recd. my all original documents.like that
old registry in favour of smt. uma gohar & a letter from society, s president &all athour papers,
please coprate me
thanks

Very bad service DHFL. please don't opt

I totally agree.

I totally agree, It was my biggest mistake to opt for DHFL housing loan. There is so much of communication gap in their own team that the customer suffers for the same.

Its like you are paying for getting troubled.

One of the most junk bank I have ever seen in my life. If you really need frustration/headache please opt for this.
They don't have proper communication channel so that the customer gets some clarity to the process.
It took almost 4+ months for getting the home loan, that too after so much effort like you should be dedicatedly on this process.
Similarly, there are so many points I don't want to mention all those which leads to time waster nothing much.

personal loan processing fee — wrong communication

i have taken a personal loan of rs 100000 and was told that 2% wl be charged as processing fee and rs 98000 will be credited into my account but i have received only rs 97140 which is rs 860 less than what i was told, need to know the reasons.

Dear Complainant,

As a policy, the applicant is required to pay the process fee along with the application form. IN order not to cause much hardships to the customers the company, s policy is to accept part amount of the process fee at the time of application along with the service tax. Balance of process fee shall be collected at the time of disbursement of loan. After clearence of the processing fee, the loan applicastion shall be processed.There are different stages in process of loan application form.

In case of rejection of the application form, as customer friendly, we return the process fee less service tax, depending upon the stage of process of loan application form, as per rules of the company. Approval for refund of process fee is required at appropriate authority, & therefore it takes some time.
You have not stated from which branch you have applied for the loan, which facilitates us to check exact details. In the absence of it we given our genral reply.

We always strive for providing execellent service. Hope we have clarified to you.
Thanking you

I am your customer with a loan of Rs. 10 lacs but the behaviour of your staff at sector 26 Chandigarh is so rude that they do not know how to deal with customer in patiala. Even thay do not want to reply on phone . Today on 30/3/10 when from patiala I made enquiry ans asked Mr pardeep to talk some lady hold the phone asked talk to me and was so rude which make me surprised to say this behavior was not there when loan was to pass now as I am a customer behave is like this. stop please. donot make it a Karyana shop. Bindu Gupta
w/o Parveen Kumar
77 Ajit Nagar Patiala

DHFL supervisor,

i have taken a loan of Rs. 10 lacs from dhfl . Mr. parveen kumar (credit officer) has taken Rs. 20000/- bribe at the time of pd from me and sanctioned my loan of Rs, 10 lacs and assured me that after six months i will give u Rs. 10 lacs more as top up. but after six months when i put up my file he refused to do the same and asked for Rs.50000/- more bribe which i denied to pay. if this kind of staf[censored] have put who wants extra money other than salary.

Parveen kumar has taken bribe of 10000/- from me for loan of Rs. 5 lacs

i am also agree with this complaint. parveen kumar- credit officer taken bribe of Rs. 20000/- from me for sanctioning my loan an got it sanction. but after sometime when i demanded more loan he asked for more 20000/- bribe for Rs. 4 lacs top up. i didnot pay him so he denied my loan. no body is their to hear me.

mae bhi sahmat hun. parveen kumar nae mere say 5 lakh kay loan kay 25000/- rupay liyay. usnay mera loan paas kar diya

Dekho bhai menay bhi apni file dee hai sanction kay liyay dhfl mae. Parveen kumar say 15000/-mae deal final hui hai. hope jaldi sanction ho jaygee.

Sir, I have applied for housing loan in the M/O November,2011. DHFL has demanded Rs.5515/- as a processing fees. My loan has not sanctioned while Rs.5515/- was deducted from my account No. [protected], vide cheque No.311222 on 09/12/2011, as processing fees. After my repeated requests DHFL had not refunded the money, which was wrongfully charges from me. It is requested kindly refund my money as early as possible.
Thanking you.
Yours sincerely,
(MANOJ SHARMA)
B-3/29,IIIrd floor,
Yamuna Vihar,
Delhi-110053.
Mob-[protected]

Hi all,

I applied for home loan through a sale executive hyderabad. This guy promised that he will sanction the loan. After few days, they deducted the processing fee of Rs.5618 from my bank and now informing that my loan is declined. How can they take the processing fee without loan sanction. Now when I am calling them to refund of the processing fee, they are not responding properly. They are cheats. PLEASE DO NOT APPLY loan fro DHFL bank.

Hope this information is useful.

Dear Mr. Ali,

I am submitting this written application requesting a refund of the loan processing fee of (amount-5618.00) and all the documents submitted to your financial company, as per the telephonic conversation we had today Monday 16th December 2013.
I have already give this information about the plot size of 33 yards as there is no map available to your employee Ritesh Gautam at DHFL at the beginning while the submission of the documents for the home loan application, but i was given this reassurance from him after talking to his seniors that it will approved and your loan will be sanctioned in a week or so, but even after that while i got a confirmation call from DHFL last week i have told them the size without map and the required amount of 13 lakhs but they said that we can offer you more if you want and then the required amount was changed to 14 lakhs but even then i have not got any disapproval of the size or the map which is mandatory while submitting of the documents, and till now the amount was debited with cheque number-948407 on dated 10th December but till now i have not got any application number or any the form number regarding the request of the home loan from DHFL.

The amount of 14, 00, 000, I plan to take from Dhfl, plus the money I already have will help me to buy the apartment as well. I have a good credit history, so getting a loan will not be a problem as there are no issues of debts.

Awaiting a positive reply from you.
Thanks and Regards,
Anurag Arya
[protected]

Worst services from DHFL, if the employee is not responsible that applies that the EMPLOYER is not. They are good at Marketing by showing TV STARS and try to get attention from people. THEY HAVE TO LOOK MORE IN TO WHAT IS HAPPENING INSIDE THEIR FIRM.

i buy ready home row house type in dindoili kharwasa road so i pay to other payment to baulder
so i need home loan

EMI STATEMENT

emi statement

DHFL — landline not working

Landline is not working.landline nu is[protected].address 40b yash tower near bhagat singh circle
overbridge road alwar (raj).301001

My Name is karthik & My native is Tiruvannamalai, and i approach the DHFL for the Purchase of the House property, and i give the all the papers to the DHFL and my loan has been sanctioned afterwards suddently they refused the loan amount i am afaried because i pay the Advance of Rs 3.00 laklhs to the seller, but still they are refusing the loan amount of Rs 8.00 lakhs, finally they told that the property is
path is 3 ft and the and 53feet, lenth hence the market value is lesser, so they denyed the loan amount, i tell you one thing, the property is selected at the very begining and they are staff also inspect the property and they said ok we can do this property then only i pay the advance of rs 3.00 lakhs, finally they told this reason, after wards i spoke to Mr balasubramanian, Branch Manager, and they also told the same reason i was shoked, because the property is inspected by their staff and they said is ok, but they suddenly denyed the, i dont know what happen in the their company and they are not able to guess about the property finally i am in the corner, SO DONT GO THE DHFL,

Dear Sir,
We acknowledge your mail.
At the outset we can not deny what you have said. There is possibility of inconvenience caused to you by the staff, which cannot be ruled out. IN an organization if this size we do issue dos & donts for the staff especially behavoiural attitude of the staff towards the customers.
We shall be obliged if you give the name of the brnach, your loan account number, for enabling us to investigagte the matter.

Thanking you,
ASSURING YOU OF OUR SERVICES.

The Managing Director / The Chair Person
Dewan Housing Finance Corporation Ltd.

Ref Housing Loan Code : 00003328 & File No. 00005531

Dear Sir,

I had taken the above mentioned housing loan from DHFL in August, 2002. Right from the beginning, every year I have been giving post dated cheques (dated 2nd of every month). Till date I never gave any chance to return the cheques issued to DHFL. Instead, I had given a standing instruction to my bank (UBI, Nagampadam Br., Kottayam) to honour all the cheques issued to DHFL. And if, in case, sufficient balance is not available in the account, instruction had been given to tranfer the required fund from another account of mine to honour the cheques.

Sir, I have been working in Dubai from January 2008. But, before leaving for Dubai I had issued post dated cheques dated 2nd of every month for two years (till December, 2009) - for Rs. 4, 000/- per month. On 22.08.09, I had to go on emergency leave since my mother was in sinking stage; and we lost our beloved mother on 25.08.09. Now, I am coming to the point - on 24.08.09 when I was standing near my mother's death bed, one gentleman from your Kottayam branch office called me informed me that there is a due outstanding from my side. I told him there is no pending from side as I had given post dated cheques and that there is enough balance in my account to honour the cheques issued. Then, that gentleman told me – he will check in the system and call me back within half an hour. But he didn’t call me; when I contacted him after one and half hours he gave me the same answer again. After that I couldn’t contact him as I was busy with the funeral functions of my mother. After coming back to Dubai I told my wife to contact your Kottayam branch office and to get the details. When she checked with your office they are telling the instalment for the month if January, 2009 is still pending. Infact, this cheque (Ch No. 87166 for Rs. 4, 000/-) had been cleared from my account on 20.01.2009. Even if there is any confusion, is this the way to communicate?! After eight months??!! Unbelievable!!! It shows the responsibility of your staff members. Definitely this will affect the reputation of DHFL.

As per my instruction my wife has submitted a copy of my bank statement which shows the clearance of the concerned cheque to DHFL, Kottayam office. Then, they told her, they forward the statement to DHFL, Ernakulam office and confirm back. After three/four days when she contacted the Ernakulam office, they told her that they don’t have any idea about the statement. She contacted DHFL, Ernakulam, again after two/three days, then they informed her that they got the statement and they returned the same to the Kottayam office and that they will confirm after checking in the system. But, still we are waiting for a reply.

On 15.09.2009, I contacted your Ernakulam office directly from here and complained about the matter. I also informed that I will make a written complaint to DHFL head office, if I am not getting a favourable reply within 2-3 days. But, till now we didn’t get any reply from your Ernakulam / Kottayam office. My bank already confirmed me that the amount had been gone to DHFL, Kottayam. I request your good self to take necessary steps to clarify the matter immediately, and to give credit to my account on the same date ie. on 20.01.2009.

Another thing I would like to bring to your kind attention: I had given post dated cheques dt.2nd of every month; but almost all the cheques had been coming to my account only after 20th . Now, I doubt that your people are making delaying depositing the cheques and charging me interest for that period also. I request you to kindly clarify this matter also; and send me a statement of my loan account from beginning to till date, Kindly do the needful.



Thanking You,

Yours Faithfully,

Georgekutty Sebastian
Accountant
Middle East Insulation LLC
P.O. Box : 14225
Jebel Ali Industrial Area II
DUBAI
Mob : [protected] /[protected]
Email : [protected]@gmail.com / [protected]@mei-uae.com

TO,
THE MANAGING DIRECTOR/CHIRMAN,
DHFL..
SUBJECT :- REGARDING SERVICE OF YOUR
VASAI BRANCH IN THANE
RESPECTED SIR/MAM,
I MR RAJKUMAR SIDHAI SHARMA HOARDING A HOUSING LOAN FROM YOUR SAID BANK WITH AC NO:- 2327 . SIR/MAM I AM A GENUINE CUSTOMER OF YOUR SAID BANK. DUE TO SOME OF PERSONAL PROBLEMS I HAD NOT CLEARED MY 3 EMI’S . AND THE BALANCE WAS LEFT OF RS 10500. SO I GOT A LETTER FROM YOUR HEAD QUARTERS TO CLEAR ALL THESE AMOUNT AND FOR THAT I PAID RS 7000, BY CASH IN YOUR VASAI BRANCH ON 10th OCT 2009; AND ON 12th OCT 2009, A MAN CAME FROM YOUR HEAD QUARTERS AND ASKED ME TO PAY RS 10500. ACTUALY SIR/MAM, I WANTED TO KNOW WHAT IS THESE GOING ON IF I HAD CLEARED MY PRE EMI'S MONEY THEN WHY IAM BEING HARRASED BY YOUR PEOPLE LIKE THESE.
SO SIR/MAM, PLEASE TAKE A KIND NOTICE AGAINST MY REGARDS.
YOUR’S SINCIERELY
RAJKUMAR SHARMA

last two month loan statement

YES I DO AGREEG, THIS IS A FRAUD BANK, THE AGENTS OF THIS BANK CONVINCE THE PEOPLE BY TELLING THAT THERE WONT BE A PROCESSING FEES IF THE LOAN IS REJECTED, BUT ONCE THEY RECEIVE THE DOCUMENTS THEY IMMEDIATELY PROCESS THE PROCESSING FEES EVEN BEFORE THE CIBIL REPORT ARRIVS, THIS IS A FRAUD BANK DONT APPLY FOR LOAN FROM THIS BANK

AGENT NAME - ANIL BHAMGUDE
MOBILE - [protected]

Documents submitted at Prabhat road pune branch

TO,
THE MANAGING DIRECTOR,
DHFL..
SUBJECT :- REGARDING SERVICE OF YOUR

I have taken two loans from your bank one with number 3269 and 3477. Your staff in chitradurga and davanagere are really harassing the customer like anything.

I have been requested for statement 15 days back for the sake of submitting to IT, but chitradurga manager says that davanagere manager need to give and vice versa. These two guys are playing and harassing like anything. Till now i have not recieved any statement from either of them. I need to submit tomorrow EOD without miss, or else i will be loosing around 40K as tax. If this happens I am thinking to lodge a case in consumer court.

I hope someone will answer for this and help me. My email id : murulidhara.[protected]@gmail.com

Thanks & Regards,
Murulidhara K
murulidhara.[protected]@gmail.com

TO
Mr. Kapil Wadhawan
Chairman & Managing Director
Dewan Housing Finance Corporation Ltd.
6th Floor, HDIL Towers
Anant Kanekar Road,
Bandra(E), Station Road,
Mumbai – 400051
Fax[protected]
Dear sir
I am a trader of marble. I am carrying my business for last 8 years doing retail trading in marble. I have a cash credit account with state bank of India for last 7 years of Rupees 14, 70, 000/- against my property estimated approximate valuation of Rupees 70, 00, 000/- . I wanted to shift my cash credit loan to EMI based loan. Representative from your company approached me and I applied for a loan against property.
With much profound grief I am writing this letter to you. I have applied for a loan against property to your bank on 29 july 2013 along with all the papers. I wanted a foreclosure of my cash credit loan and transfer to loan against property. I talked with DHFL and they agreed to do the same. On 05 August 2013 I received a sms in my mobile about receipt of my application and allotted with enq id BRSC523121. It stated that “ YOUR LOAN APPLICATION HAS BEEN PROCESSED . KINDLY CONTACT OUR SALES EXECUTIVE FOR FURTHER REQUIREMENTS.” Along with my loan application I have deposited 3 cheques . Cheque no 7289 amounting rs 5618.00. cheque no 7290 amounting rs 1600.00 and cheque no 4912 amounting rs 11236. All the cheques were cleared from my icici bank account number[protected] on 10 august 2013. In the due course of time my verification was done by your bank, valuation of my property was done and technical inspection was also carried out. In several occasions I received call from your DHFL 4 N.C. DUTTA SARANI, CLIVE GHAT ROW UBI BUILDING 1ST FLOOR. OPPOSITE SAGAR ESTATE DALHOUSIE KOLKATA 700001 and asked to visit there for few queries. I visited there and solved the queries. On 27th august I was confirmed that my application is complete and I will get the loan. I applied for rupees 3500000. I was said that you will get between 3000000 to 3200000. On 29 august 2013 I received a call from mobile number [protected] by Mr Krishanu who introduced himself as a representative from the credit department of DHFL 4 N.C. DUTTA SARANI, CLIVE GHAT ROW UBI BUILDING 1ST FLOOR. OPPOSITE SAGAR ESTATE DALHOUSIE KOLKATA 700001 wanted to visit my office. He visited my office and asked several questions which I replied and showed all the documents he asked from me. Before leaving the premises he asked me for a bribe of 2% of the sanctioned loan, which I denied straight way. He even said that If you don’t agree to my proposal then your loan will not be sanctioned. At about 04 37 pm I received a sms enq id BRSC533940. It stated that “ YOUR LOAN APPLICATION HAS BEEN PROCESSED . KINDLY CONTACT OUR SALES EXECUTIVE FOR FURTHER REQUIREMENTS.”
On 31 August at about 02 19 pm I received a sms from DHFL stating “Dear customer, your loan application 00905422 dated 29 August 2013 with DHFL has been declined. Kindly contact your Sales Executive or visit our nearest branch. “ . I visited several times to your aforementioned branch but treated like a shuttle cock by the branch manager Mr D. K. Mishra., Mr Arpan from credit department. Nobody can say me why my loan application was declined. I meet Mr Sanjeev Patnaik, who informed me that my loan application was declined for low eligibility, but could not state that how much is my eligibility when I already got a loan from sbi 7 yrs back with less valuation of property and less sound income tax profile.
As per the para 5 of RBI/[protected]/280 DBOD.No.Leg.BC.65 /09.07.005/2006-07 DATED March 6, 2007 your institution is supposed to submit me the reasons in writing.

On enquiring I found that your institution has a practise of receiving lots of application and rejecting them without any written submission and not refunding the processing fee. When I approached with this point I was promised that my processing fee will be refunded. I submitted an application to Mr D K MISHRA, but not received any refund of fee till date.

I know that granting of loan is at full discretion of the financial institution where I applied for loan, so I have no grievances for why I have not got the loan.

I need the clarification on the following points.

1. What happened to my loan enq id BRSC523121. Dated 05 august 2013.
2. How a new loan enquiry id BRSC533940 dated 29 august 2013 is opened without my consent when I refused to pay bribe to Mr krishanu before rejecting the loan enq id BRSC523121. Dated 05 august 2013.
3. Why the reason of declining my loan application has not been intimated to me in written even after 35 days of declining the same.
4. When I will get refund of my processing fee.
I would also like to clarify on RTI ACT that how many loan application is received by your institution every month and how many are processed and how many processing fees are refunded for the declined loan application and the accountability of that money and report the matter to RBI for further necessary action.

Last but not the least, now I will like to share my experience I gathered from your institution with everyone through my facebook, other consumer forums, local tv and other media SO THAT PEOPLE THINK TWICE BEFORE SUBMITTING THEIR APPLICATION TO YOUR INSTITUTION AS IT WILL BE A LOSS OF TIME AND MONEY.

Thanking you

04 sep 2013 SAMARESH DAS

Email:- [protected]@gmail.com mobile:- [protected]

Sorry for mentioned CHEAT company.
I was wrong to say the DHFL is CHEAT company,

What I had exprience its very good company and its best for Home loan.

I am an NRI and i took the Loan form Diwan Housing Finance Limited on Decenber 2007 at that time market rate for all governamnet bank was 9.75% and private Banks 10 to 10.5% but they took from me 11% and suddenly after 4 months they increase from 11% to 11.75% than after some months 12.25% to til date witout informing me. They have all my contact details and email ID every thing but without intimating me they increase the rate of intrest.
Last month September 2nd 2009 i visted in their bank and ask why they are taking so much high intrest rate (12.25%) when the market is so down and all the other bank goes down till 8.75% to 9.5% but they don't have any answer.
I think like these kind of finance companies cheating to the customer's. Governamnet has to take some acction on it.

Karim Mukadam

I am also, exactly having the same case with DHFL. My loan outstanding now is 4 Lacs 30 thousand.
I heard that a lady usha vaid has approched consumer court against SBI, and got back her foreclosure charges. Just check "State Bank of India Vs Usha Vaid & Anr " in Google. Hope we have a way to stop these money looters!!!

first send letters, emails, to DHFL asking a refund of your foreclosure charges, and If they dint respond, approach consumer court with the copy of all letters, emails u sent.

all the best.

Yes, what happend with this case. Did any thing worked out for the customer? The information will give people to think and act diffrently further.

u got ur money back?
am planning to take home loan in diwan finance.. plz guide me .. is it good to get loan there?