[Resolved]  HDFC Bank — home loan - harassment

Address:

Hyderabad, Telangana, 500094

Hi,

This is to inform that i have applied a home loan file number[protected], applied in hyderabad location.

The document was collected on 26th of november and i was promised the rate of interest of 8.7 during the file submission.

I left my corporate account with kotak which was having no processing fee and flexile terms in payment with rate of interest of 8.9 as i was promised the rate of interest
Is 8.7.

After a month follow up, till dec 29th i was promised that the loan will approved but in deep depression the loan now the officials have telling will approve on interest rate of 9.45.
And the reason they have given is i had a delay payment of my auto loan.

To that i had given my explanation which is as below.

One particular emi got missed when i was travelling abroad and that particular emi got carry forward for several months which i came to now when i went to close the loan.
Ths emi was just for 6000 rupees hence sbi never followd and i closed the loan long back.

I am using 6 credit cards, i have given my form 16 and the it returns which shows my credentials.

I am using creditcards more than 5 lks credit limit without any delay payments since last 10 years.
I have no liability, having a stable job and having more than 1.3 lks of salary every month also my wife works in bank of america who is co applicant.
I am working with a company called biotage india pvt ltd, which is direct subsidary of biotage ab sweden, renound company worldwide.
I had worked with this industry, i dont understand how can credit asessment team is sp adamant that they never listen to anyne.

I have been harassed till date, almost all day i have been following and now after a month of application they are processing loan at interest of 9.45.

Hdfc have the most crated and fruded officials who knows how to harass people.

Till 30th of dec i was promised that i will get my loan as promised and suddenly they are telling we cant to anything.

Its the worst bank for any loan, i would never ever in my life will recomend anyone for loan with hdfc.

I would need an immediate call back, the concerned people are now denying the accept anything and now i am back to begning after a month of my application.

Regards
Jitendra
[protected]