Dewan Housing Finance Corporation [DHFL] — DHFL Home Loan Outstanding Amount Asking To Pay Additional

Address:

301-303, 3rd Floor, Solitaire Plaza, Behind Image Hospital, Ameerpet, Hyderabad, Telangana 500073

Dear Team,
Greetings of the day!!

I am Yugender reddy from Hyderabad location. I had taken home loan from DHFL in the year 2017. I opted for variable interest option & they are keep on increasing interest every six months. Initial interest was 9.35% but now it rose upto 10.75% but I did not bothered about it. Once I asked to reduce it but they said it's not possible as I haven not completed much tenure. This is my Initial complaint I have with DHFL.

In the year 2019 march month I got a SMS saying that I received a subsidy of Rs.2, 15, 000 on my home loan. Then after I immediately went to DHFL Ameerpet branch and enquired about it. They verified details in the system and told me that I got Rs.2, 15, 000 subsidy on my loan. So my total outstanding was reduced and it effected my EMI also. Earlier I used to pay EMI of rs.11, 000 but after subsidy I am paying only rs.9, 000.

Apart from getting subsidy, I paid 4, 50, 000 as part payment two times. Now my current outstanding is showing as Rs. 4, 89, 177/-as on 5th Oct-2020. On 4th october I had visited to DHFL Ameerpet office to collect my foreclosure letter, on that day one person said that " There is road deviation to my apartment so the subsidy which I got in 2019 is getting added to my outstanding amount". Then I got shocked and asked him why? he is saying Audit is happening, mail was sent to their HO to check the exact thing about subsidy amount.

I was angry on him and told that I got this subsidy from government nearly one and half year back. In system & all statements of my account also it's reflecting clearly. Now I have many questions in my mind...
1. If there is a deviation of road to my flat, why DHFL had given me loan?

2. Why they are saying about subsidy, when I went for closure of loan?

3. Why they had confirmed & authorized that time I got subsidy ?

4. After audit only subsidy should reflect in the systems, so in systems its showing clearly as Rs.2, 15, 000 deducted from my outstanding, why they are saying now about Audit?

So team kindly clear all my doubts.