HDFC Bank — Excess amount charged for gold loan

PRAbab

from Ranchi, Jharkhand

Sep 16, 2021

Address:

Circular Road, Ranchi, Jharkhand

I am Babli Kumari, I have saving bank account in HDFC bank, Bariatu Branch, My saving account number is [protected]. I took Gold loan Rs. 145000.00 on 25/03/2021 from HDFC bank, Circular Road, Ranchi branch. My loan A/c number is 72982731. I paid full interest of 6 months on 25th March 2021, the 1st day of loan withdrawal. My gold ornaments have been returned on 16/09/2021 before 9 days of maturity. Bank took Rs. 146276.00 against my gold loan. I have already paid the interest 6 months in the beginning so there is no any logic to charge additional Rs. 1276.00 if I settled my loan before maturity date.

It is my humble request to concerned person please look into this matter and help me so that I can get Rs. 1276.00 that is taken as additional charge.

Looking forward for your cooperation.

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HDFC Bank customer support has been notified about the posted complaint.

Verified Support

Sep 21, 2021

HDFC Bank Customer Care's response Dear Customer,

We sincerely regret the inconvenience you may have faced. We confirm our branch official Mr Anuj Kumar, has sent you an e-mail to assist you with your query on Monday, September 20, 2021 03:28PM .

Please feel free to write to us using below URL further assistance

https://bit.ly/3tZtPEk.

-Zubin
HDFC Bank Customer Assistance

Sep 24, 2021

Updated by PRAbab My issue has not been resolved yet as per my satisfaction. I approached to higher officer for his/her intervention.

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Comments

PRAbab

from Ranchi, Jharkhand

Sep 23, 2021

My 1st response on Mr. Anuj Kumar's mail is as below -

Dear sir,

Thanks for your response.

As per my understanding it is not pre-payment issue. Actually the interest (Rs. 8700.00) till end of tenure for our gold loan has been already collected by bank in the 1st day of loan disbursal and it was not communicated to me that if I settle this loan amount before 8 days of maturity extra charge will be collected. Without giving this information charge has been deducted from my bank account. Settlement of loan after 8 days without any charge would be more convenient for me.

I am not satisfied from your response.

Requesting you please check the actual issue and resolve this.

Looking forward to your kind consideration.

Thanks

My 2nd response on Mr. Anuj Kumar's mail is as below -

Dear sir,

My simple submission is that if you informed me before the amount deduction from my bank account I did not close my Gold loan. Waiting for next 8 days was not a big issue for me. After submission of my paper I was told to wait outside the bank. I was waiting for my number but suddenly I got message that this amount has been deducted from my bank account. Signature in the paper was taken after deducting the amount from my bank account.

Your colleague told me that by mistake charge has been deducted from your bank account. When you come next time we will adjust this amount and now you are saying that everything communicated to me before closing the loan.

I am a regular costomer of your branch. Hope you will do justice with me.

Thanks

My issue has not been resolved yet and bank is giving various arguments. Requesting you please look into this matter.

Thanks