In the month of June 2021, I received a phone call, wherein the caller said she is calling from HDFC bank, offering a personal loan of Rs 5 lakh.
She said that if I am interested then I will have to buy a life insurance policy from Bharti Axa Life Insurance for a premium of Rs 30, 000.
I bought the suggested policy from Bharti Axa. Meanwhile, those 2-3 HDFC lady staff insisted that I must not reveal to Bharti Axa that I am taking that policy for a loan (saying that it's their internal policy).
After I received the insurance policy, I started following up with those so-called HDFC employees, and in turn, they kept on making postponing the dates for the disbursal of the loan.
Finally today (e.g., 16th August 2021) I got a call from a new mobile number, wherein that lady said that she is calling from HDFC Mumbai (Ghatkopar branch), and that my loan application has been rejected. When I told her that I have been given the clear promise that my loan application has already been approved, then she said that she is from the loans department and that she has no idea about it.
Last week when I had requested those so-called HDFC employees that please note that after 11th August I will not be able to cancel my life insurance policy, then they immediately insisted that I must not cancel it as my loan has already been approved.
Today I am completely clueless as to how I can resolve this matter, or whom I should approach to seek help.
It is not only a monetary loss that I have sustained, rather, such an incident may cause huge damages to the reputation and brand image of a financial institution as respectful as HDFC Bank.
I humbly request someone to come forward, and help me get my invested sum back.
With all my hopes, I am submitting my request to this Consumer Forum, today on 16th of August 2021.
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