Dewan Housing Finance Corporation [DHFL]

[Resolved] Dewan Housing Finance Corporation [DHFL] — refund of paid amount and loss due to finance institution issues

Kiran.Salunke

from Mumbai, Maharashtra

Address:

Mumbai City, Maharashtra, 410209

In july-2018 i have applied for home loan from dhfl, branch panvel, app no[protected] and received approval in the month of aug-2018 after that i have submitted all required documents and paid processing fee of rs. 97444 and from same month they have started interest and emis without disbursing loan amount.
In the month of sep-2018 due to some internal financial issues they have stopped loans disbursement and due to this my agreement for sale was cancelled and i lost almost 16-17 lacs, please find below details :
1. 2 lacs to owner because of non-payment on time
2.6.70 stamp duty, registration & agent charges
3. 50, 000 franking
4. Dhfl asked to take policy against loan of rs 3.40 lacs per year for next 12 years
5. 1 lacs processing fee
6.1.81 lac two emis
7. 31, 272 interest after making cheque
8. 10, 000 to agent for agreement for sale cancellation

[protected] cheque no.93346 paid to dewan housing finance cor, axis bank ltd ref no :- 93346 2, 950.00
[protected] cheque no.93349 paid to dhfl, axis bank ltd ref no :- 93349 97, 444.00
[protected] chq paid check no.93350 paid to dhfl, axis bank ltd 31, 272.00
[protected] chq paid check no. 93353 paid to dhfl, axis bank ltd 90, 498.00
[protected] chq paid check no. 93354 paid to d h f l, axis bank ltd 90, 498.00

Total stamp duty : rs.6, 18, 000/-
Registration fee : rs.30, 000/-

Clause in the agreement :
I) rs.18, 00, 000/- (Rupees eightheen lakhs only) paid by as per receipt attached.
Ii) and the balance sum of rs.85, 00, 000/- (Rupees eighty-five lakhs only) shall be paid within 60 days from the date of registration of this agreement on raising loan from any nationalised/co-operative bank/ financial institution.
Iii) however, if the purchaser will be unable to pay full and final amount as stipulated period mentioned above then this agreement shall terminated / cancelled with an amount of rs. 2, 00, 000/- will be forfeited, and the purchaser shall return ownership of the said premises as before.
In nov-2018 i have asked dhfl to return all original documents because owner has cancelled agreement.
Can you please help me to get justice?

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Jan 7, 2019

Complaint marked as Resolved

Dewan Housing Finance Corporation [DHFL] customer support has been notified about the posted complaint.

Verified Support

Nov 14, 2018

Dewan Housing Finance Corporation [DHFL] Customer Care's response Dear Kiran,

We have forwarded your query to the concerned team. However, request you to share your email ID and mobile number to help us trace your issue and resolve it at the earliest.

Alternatively, you may call us on[protected] or email us at [protected]@dhfl.com.

Regards,
Team DHFL

Nov 19, 2018

Updated by Kiran.Salunke Hi,

You can connect with me using below details :
+91 [protected]
kiran.[protected]@gmail.com

Regards,
Kiran

Verified Support

Dec 07, 2018

Dewan Housing Finance Corporation [DHFL] Customer Care's response Dear Kiran,

Our customer care team is looking into your matter and they will shortly get in touch with you.

Regards,
Team DHFL

Dec 10, 2018

Updated by Kiran.Salunke Hi,

Not able to see your contact number, I am asking one letter from DHFL since last 20 days for stamp duty refund but no one is responding.

DHFL has given one letter saying that loan is cancelled as per my request but its cancelled because Financial institution was not able to disburse loan on time and because of that Owner has cancelled agreement.
I am just asking to remove " as per my request" words from the letter so that i will get my paid stamp duty but DHFL is denying to provide that letter.

Looking for positive response.

Regards,
Kiran

Jan 02, 2019

Updated by Kiran.Salunke What a great reply from DHFL and after that no response... pl refer trails mails from DHFL
They dont want to take any action against there employees, just want to frustrate customers.
Now bank is taking 10% interest we are asking our amount back with same rate of interest after that no response from anyone.

Kiran Salunke <kiran.[protected]@gmail.com>
Thu, Dec 13, 2018, 5:10 PM
to ceo

Its cancelled by my request, I have not given any application for cancellation.
DHFL was not able to disburse loan within two months after agreement and because of that reason owner has cancelled agreement and asked original documents back which has given back by DHFL over call not by mail or any application.

Regards,
Kiran

On Thu, Dec 13, 2018 at 5:04 PM CEO <[protected]@dhfl.com> wrote:
Dear Mr. Salunkhe,

Greetings from DHFL!

This is with reference to your concerns regarding your Home Loan Application 01852366.

We wish to reiterate that your loan has been cancelled as per your request and loan cancellation letter was already shared to you by our official. Hence, we request you to approach the Stamp Authority for further assistance in refund of stamp duty.

For further queries or clarifications write to us at [protected]@dhfl.com.

Looking forward to many more opportunities to be of service to you.

Sincerely,

Vijay Z.
Nodal Officer’s Desk - DHFL

You can now access your Loan Account Statement and IT Certificate online. Click here https://my.dhfl.com/wps/portal to login with your User ID and password.

From: Kiran Salunke <kiran.[protected]@gmail.com>
Sent: 13 December 2018 16:48
To: NodalOfficer
Cc: DHFL Response; CEO
Subject: Re: Complaint received on https://www.consumercomplaints.in - Kiran.Salunke/Application No. 01852366 / Mr. Kiran Devidas Salunkhe/ DH/SR/HO/NOV18/35

Dear Vijay,

This is not the case, DHFL panvel branch has shared one cancellation letter but in that letter wordings are not correct.
They have mentioned that loan is cancelled as per my request which is not the case as you know.
Also i have checked for refund with shared letter by DHFL but they told me using thus letter they will not refund stamp duty thats the reason i am asking for letter with actual reason or remove work as per my request.

Regards,
Kiran

On Thu, Dec 13, 2018 at 4:01 PM NodalOfficer <[protected]@dhfl.com> wrote:
Dear Mr. Salunkhe,

Greetings from DHFL!

This is with reference to your concerns regarding your Home Loan Application 01852366.

In this regard, we understand that our official already handed over the loan cancellation letter to you. With reference to the refund of the Stamp Duty, we request you to approach the Stamp Authority. The challan for the same has been provided to you.

We request you to submit the copy of your bank statement reflecting debit of PEMI/EMI to process the refund.

Kindly stay in touch with our Branch Sales Manager for further assistance on this matter.

For further queries or clarifications write to us at [protected]@dhfl.com.

Looking forward to many more opportunities to be of service to you.

Sincerely,

Vijay Z.
Nodal Officer’s Desk - DHFL

You can now access your Loan Account Statement and IT Certificate online. Click here https://my.dhfl.com/wps/portal to login with your User ID and password.

From: Kiran Salunke <kiran.[protected]@gmail.com>
Sent: 13 December 2018 14:49
To: NodalOfficer
Cc: DHFL Response; CEO
Subject: Re: Complaint received on https://www.consumercomplaints.in - Kiran.Salunke/Application No. 01852366 / Mr. Kiran Devidas Salunkhe/ DH/SR/HO/NOV18/35

Thanks for the response.
I am asking same from DHFL on letter head for my stamp duty refund but Panvel / Belapur branch manager's refused this & he Panvel branch manager asked me to take legal action.
I am trying to reach everyone by calls or messages but no one is responding because of this incident already loosed so much money and don't want to loose 6.2 lacs stamp duty..
I hope you will understand my situation and I really appreciate your help.

Regards,
Kiran

On Thu, Dec 13, 2018 at 11:56 AM NodalOfficer <[protected]@dhfl.com> wrote:
Dear Mr. Salunkhe,

Greetings from DHFL!

This is with reference to your concerns regarding your Home Loan Application 01852366, raised via Social Media.

In this regard, we state that we are currently unable to disburse the loan amount and processed the cancellation of your loan.

We request you to submit the copy of your bank statement reflecting debit of PEMI/EMI to process the refund.

Kindly stay in touch with our Branch Sales Manager for further assistance on this matter.

For further queries or clarifications write to us at [protected]@dhfl.com.

Looking forward to many more opportunities to be of service to you.

Sincerely,

Vijay Z.
Nodal Officer’s Desk - DHFL

Jan 09, 2019

Updated by Kiran.Salunke How mark this case as a resolved.
They have not refunded my EMIs, waiting for letter no updates about policy