[Resolved]  HDFC Bank — home loan not processed, no updates from hdfc, processing fee deducted

Aug 11, 2017

Updated by BVR Reddy You just go through your concerns & ask them first ... Third class bank, No internal communication in your third class bank ... Then how can you are going to help / support the customer ...

No updates to customer ... Third class bank

No Time Line for Home loan process ... Third Class Bank

No Key Roll Activities defined to your Sales Reps ... Third Class Bank

No Check List for the Customers ... Third Class Bank

No Acknowledgement copy to the customers after taking the documents ... Third Class Bank

No Response from the Customer Care, Sales Reps, Sales Rep Head ... Third Class Bank

No Information to the Customer about the home loan process ... Third Class Bank

No Customer Communication medium established in your HDFC ... Third Class Bank

No Reply to the Customer Questions ... Third Class Bank

No Clarifications to the customer doubts ... Third Class Bank

Returning of the Documents to the Customer is not established ... Third Class Bank

On time delivery of the Service failed ... Third Class Bank

No FEE Bill copy for the Service ... Third Class Bank

Your Sales reps are uneducated ... Third Class Bank

Your sales reps don't know what documents are required for Resale Property ... Third Class Bank

Your Sales reps playing with the customers stating that the given documents are enough for the home loan ... Third Class Bank

Your sales reps heads are head strong & theycan not listen the problem, they can not solve the problem ... Third Class Bank

No inter communication in your HDFC Bank ... Third Class Bank

No Compliant register medium / compliant forum to give the complaints ... Third Class Bank

Aug 11, 2017

Updated by BVR Reddy On Tue, Jul 25, 2017 at 5:25 PM, Raja Reddy Vardharaju wrote:
Dear Aswini Madam,

With reference to our telephonic discussion, here i am sharing the given / submitted following detailed documents to HDFC Rep for Home Loan Processing ...

Dear All,

It is very surprise to note that even after submitting following detailed documents to you for loan on 29-Jun-2017, received a mail yesterday for shortfall of the documents. However, i have shared the available documents with me & which i have highlighted to the rep at initial stage.

1. Signed application form with photograph
2. ID and residence proof
3. Processing fee cheque
4. Last 6 months bank statements
5. Latest Salary-slips - 3 Months
6. Form 16 ( 2 Years )
7. Aadhar Card X erox
8. Pan Card Xerox
9. My Old Resume Which was given to current employer
10. Agreement Copy ( Which was signed by Buyer & Seller )
11. Encumbrance Certificate
12. Property Sale Deed Copies ( Link Documents As per Encumbrance Certificate ) & Sale Deed of Land - Construction
13. Construction Agreement
14. BRS Copy for the G4 flat ( Which was Approved & Cleared by Deputy Commissioner, Greater Hyderabad Municipal Corporation, Malkajgiri dated[protected] . The same was shared with you. ( Letter & Approved Plan Copy )
15. BRS Application copy is also shared for G2 flat, which was applied in 20-dec-2015 and the same is in pending from government with known reasons. ( Application Copy, Payment thru Cheque - copy shared, application acknowledgement copy, plan copy shared )

16. Construction Plan Copy Which was approved by HUDA ( Confirmation on Drawing Back Side & Surender Kumar Nayak Sale Deed Copy, Page No 2, Para 2 ) ... As Detailed below

That the vendor has enter into a development agreement with the builder M/S. Sri Kalyana Sai Krishna Builders and obtained permission for construction of the Residential portions ( Ground + 2 Floors ) in the schedule mentioned property from the vide chairman, Hyderabad Urban Development Authority vide permit no 15111/P4/HUDA/91 dated 17/01/1992 and also obtained permission from the commissioner, municipality malkajgiri vide permit no B.A.608/94, dated[protected]

Now it is very strange to notice that you are asking the new / unknown documents which i really don't have.

If you are really looking for these kind of documents, it is your primordial duty to ask for the same at the starting stage, while taking the Signatures on the application. HDFC took more than 20 days for asking the unknown documents, which i was not informed by your rep / nor with your Checklist.

It is very ridicules that HDFC is not having any such check list for the Property Home loans. You better learn from the DHFL for making such check list which will save your time and customer valuable time & money. Where i have received a check list for the list of documents which needs to submit for processing the Loan proceedings when i visited their office for Home loan.

Know the JOB & DO the JOB. If HDFC know the JOB, Better prepare the Check list for the New Applicants.

Regards
BVR Reddy
[protected]

Regards
BVR Reddy

On Sat, Jul 22, 2017 at 4:39 PM, Raja Reddy Vardharaju wrote:
Dear All,

Please find attached following list of

2. Title deed of Mohd Ibrahim ( for Plot No.32).

3. Title deed of Surender Kumar Nayak

4. Construction permission

Regards
BVR Reddy

On Fri, Jul 21, 2017 at 11:54 AM, Vipparthi suresh wrote:

From: SOWJANYA
Sent: Fri, 21 Jul 2017 09:44:37 GMT+0530
To: [protected]@hdfcsales.com
Cc: [protected]@hdfcsales.com
Subject: Fwd: SRI KALYAN RESIDENCY - P1058960

Kindly arrange the below pending's.
Thanks & Regards,
Sowjanya.

Subject:
SRI KALYAN RESIDENCY - P1058960

Dear Sir/Madam

Kindly provide the below documents required.

1. Kindly Provide Approved lay-out.

2. Kindly Provide Title deed of Mohd Ibrahim ( for Plot No.32).

3. Kindly Provide Title deed of Surender Kumar Nayak

4. Kindly Provide Construction permission

Email sent using Netcore Ajaxmail - Email, Groupware and Calendaring done right.

--
Regards
Raja Reddy

--
Regards
Raja Reddy

--
Regards
Raja Reddy

from: BHUMI REDDY VARADARAJULA REDDY
to: [protected]@hdfcsales.com,
[protected]@hdfcsales.com,
[protected]@hdfcsupport.co.in,
[protected]@hdfcsales.com,
[protected]@hdfcsales.com
date: Wed, Jul 26, 2017 at 2:51 PM
subject: Re: Fw: Fwd: SRI KALYAN RESIDENCY - P1058960

Dear HDFC Reps,

With reference to my personal daily followups with HDFS Reps ( No Correct Information other-than one and only word UNDER PROGRESS )
With reference to my Mails to HDFC Reps ( No Acknowledgement from HDFC, No Reply From HDFC, No Concurrence from HDFC )
With reference to my Personal Visit to HDFC Home Loan Branch, A S Rao Nagar, Hyderabad ( Dated 26-Jul-2017, 10:00 am to 11:30 am, Approximately)
Subsequent telephonic conversation / discussion with Mr. Gora ( Call from my end for the clarification, Today morning from HDFC Bank, A S Rao Nagar ) ...

I came to know / i was kept informed by Mr. Gora via telephonic discussion ( call from my end for the clarification ) ... That my application was kept pending for long time ( Explanation for the Word LONG TIME = Application & Signed cheque given on 29-Jun-2017 along with the available documents, which was given to Suresh Vipparthi.) Without sharing the information to the customer. ( By Phone, By Mail, By SMS, BY Online Status, At the HDFC Office at Habsiguda, Hyderabad )

The Cheque amount was deducted from my bank account for processing the Home Loan. Amount deducted on 21-Jul-2017, login ID allotted on 17-Jul-2017, Application no[protected].

For My case / For My application, I believe that HDFC is not suitable for processing the Home loan, requesting you to kindly update the status & close the Case / Application by specifying the Reasons for not processing the loan as on today. When i checked for the Loan status five today afternoon, it is indicating that the

Pending Documents :- 0 ( Enclosing the Screen Shots for your quick reference )
Pending Clarifications :- 0 ( Enclosing the Screen Shots for your quick reference )

May be your fault ( or ) May be my fault, Ultimately i was the looser in-terms of Time and Money.

Kindly update the Correct Reason immediately as per your time frames & do the needful action immediately ...

Stage 2 :- I am expecting my Documents & Records, which i have given to your rep Mr. Suresh Vipparti for Loan processing.

Stage 3 :- Processing Fee deducted from account & balance amount to be paid back on Same Bank Account.

Stage 4 :- Rejection Note with Reason / Rejection Letter with Reason ( I don't know what is the exact word you are using in your HDFC Language )

Kindly correct me, if i am wrong in my words of this mail / previous mail.

Kindly acknowledge receipt of the mail ...

Regards
BVR Reddy

SMART = Specific Measured Accurate in Real Time

from: BHUMI REDDY VARADARAJULA REDDY
to: [protected]@hdfcsales.com,
[protected]@hdfcsales.com,
[protected]@hdfcsupport.co.in,
[protected]@hdfcsales.com,
[protected]@hdfcsales.com
date: Wed, Jul 26, 2017 at 3:29 PM
subject: Re: Fw: Fwd: SRI KALYAN RESIDENCY - P1058960

Dear Suresh,

Hand over the Second Cheque which was given to you ...

Acknowledge receipt of mail ...

Regards
BVR Reddy

from: Vipparthi suresh
to: BHUMI REDDY VARADARAJULA REDDY
cc: "[protected]@hdfcsales.com",
"[protected]@hdfcsales.com",
"[protected]@hdfcsupport.co.in",
"[protected]@hdfcsales.com"
date: Wed, Jul 26, 2017 at 7:48 PM
subject: Re: Fwd: SRI KALYAN RESIDENCY - P1058960

Dear sir,

As we discussion I submit documents to customer along with second cheque. without wrote any on cheque . Thanks for all your support.

Thanks you

Thanks & Regards
VIPPARTHI SURESH
[protected]

from: BHUMI REDDY VARADARAJULA REDDY
to: [protected]@hdfcsales.com
cc: [protected]@hdfcsales.com,
[protected]@hdfcsales.com,
[protected]@hdfcsupport.co.in,
[protected]@hdfcsales.com
date: Thu, Jul 27, 2017 at 3:21 PM
subject: Re: Fwd: SRI KALYAN RESIDENCY - P1058960

Dear V Suresh and All,

I acknowledge the receipt of the 2Nd Cheque form you ...

Coming to the Subject ...

Following Documents are yet to Receive from You / HDFC ...

1. Xerox Copies of the Latest Agreement, which was Self attested by me ( BVR Reddy ), 2 Sets
2. Xerox Copies of the Sale Deeds related to the G2 Flat & G4 Flat ( 2 Sets )
3. Plan Copies ( A0 Size, Front & Back Printed ), 2 Copies
4. Xerox Copy Construction Agreement
5. Xerox Copy Sale Deeds of the Plot No 31 & Plot No 32
6. Xerox Copy[protected] Financial Year Form 16 Xerox Copy with Self Attested by me ...
7. BRS Copy - G4, ( Plan View - A3 Size ), Proceedings & Approval Letter.
8. BRS Copy - G2 ( Acknowledgement Copy, Payment Receipt Copy, Plan Copy - A4 Size )
9. Old Link Documents - 2 Sets Each & 6 Such Documents
10. Property Tax Payment Receipt Xerox Copy - G4
11. Property Tax Payment Receipt Xerox Copy - G2

Etc ...

I am yet to clearly verify the received documents, which you have given yesterday at my home, in my absence, with out giving any information to me either by mail or phone, about your visit timings & about list of documents ...

SMART = Specific Measured Accurate in Real Time

from: BHUMI REDDY VARADARAJULA REDDY
to: [protected]@hdfcsales.com
cc: [protected]@hdfcsales.com,
[protected]@hdfcsales.com,
[protected]@hdfcsupport.co.in,
[protected]@hdfcsales.com
date: Fri, Jul 28, 2017 at 5:36 PM

Dear HDFC Reps,

More than 24 Hours completed ...

1. No Acknowledgement from HDFC Reps.
2. No Reply For the Pending Docs
3. No Status Updates
4. No Communication / Effective Communication from HDFC
5. No minimum Basic Protocol from HDFC to respond Customer Mails ...

Regards
BVR Reddy

from: BHUMI REDDY VARADARAJULA REDDY
to: [protected]@hdfcsales.com
cc: [protected]@hdfcsales.com,
[protected]@hdfcsales.com,
[protected]@hdfcsupport.co.in,
[protected]@hdfcsales.com
date: Sat, Jul 29, 2017 at 3:57 PM

Dear HDFC Resp,

Very close to 48 Hours ...

2 Mails to all of you. No Acknowledgement & No Reply ...

Such a mess with the HDFC working Style ...

Regards
BVR Reddy

from: Vipparthi suresh
to: BHUMI REDDY VARADARAJULA REDDY
cc: "[protected]@hdfcsales.com",
"[protected]@hdfcsales.com",
"[protected]@hdfcsupport.co.in",
"[protected]@hdfcsales.com"
date: Sat, Jul 29, 2017 at 4:46 PM

Dear sir,

Sir Your property documents in Legal Department. Tomorrow is holiday it will take 3 to 4 working days. I will do do do ...submit your documents as soon as possible. Once I received documents from legal Department i will inform you.
Thanks you.

Thanks & Regards
VIPPARTHI SURESH

Hardly 1 reply from HDFC.

Third class Services from the Third class HDFC. The Proof is that the HDFC rep him self confirmed that he is going to provide the documents in 3-4 days. More than 13 days. No reply, No Documents, No Updates to Customer ...

from: ravi.[protected]@hdfc.com
to: padma.[protected]@gmail.com,
[protected]@yahoo.com
cc: ravi.[protected]@hdfc.com
date: Mon, Jul 31, 2017 at 4:15 PM
subject: Your loan application vide File no[protected]

Dear Sir/Madam

We regret to inform you that we are unable to process your application for a Housing Loan as you have indicated that you are not interested in the same.

An amount of Rs. 3525 is being refunded to you towards refund of processing fees paid.

Kindly note that of the fee received, an amount of Rs. 4260 has been retained on account of administrative expenses incurred on processing of the application.

We thank you for the interest shown in availing our facilities.

This communication is privileged in nature.

Yours faithfully,

Ravi Teja Marisetti

from: padmaja rani
to: ravi.[protected]@hdfc.com
cc: BHUMI REDDY VARADARAJULA REDDY,
Gora Parepally,
[protected]@hdfcsales.com,
[protected]@hdfcsupport.co.in
date: Thu, Aug 3, 2017 at 2:18 PM

Dear Mr. Ravi Teja Marisetti,

Thank you for the Mail & Information ... After 33 days ...

1. May i know what is the reason for " UNABLE to Process the Loan Application ". No Specific reason from your end till date. I don't want any telephonic Communications from you regarding this Reason. Please never direct me to contact some XYZ Reps in your HDFC organization ...
2. I just want to know what is the Purpose of taking the Fee Amount of 4260.
3. Where is the Bill copy for the said deducted amount.
4. When can i expect the Balance Amount in Account.
5. When can i expect MY Property Personal Documents whcih were given to HDFC Reps.
6. When can i expect the report
7. When can i expect the Answers for the above Questions ...
8. May i get the " Non disclosure agreement " signed copy from HDFC for the given Property Documents ...

Regards
BVR Reddy
[protected]

from: padmaja rani
to: ravi.[protected]@hdfc.com
cc: BHUMI REDDY VARADARAJULA REDDY,
Gora Parepally,
[protected]@hdfcsales.com,
[protected]@hdfcsupport.co.in
date: Thu, Aug 3, 2017 at 2:28 PM

Dear Mr. Gora,

I don't want any Telephonic Communication from you. Requesting you to please do not call me again.
As per your HDFC reps Last mail, ( Attached /Enclosed below ), HDFC confirmed that you are going to return the documents in 3-4 days ...

from: Gora Parepally
to: padmaja rani
date: Thu, Aug 3, 2017 at 2:34 PM
subject: Re: Your loan application vide File no[protected]

Please do not send mails to my personal mail I'd.

from: padmaja rani
to: ravi.[protected]@hdfc.com,
[protected]@hdfcsales.com,
[protected]@hdfcsupport.co.in,
[protected]@hdfcsales.com
cc: BHUMI REDDY VARADARAJULA REDDY
date: Mon, Aug 7, 2017 at 10:42 AM

Dear Mr. Ravi Teja Marisetti,

More Than 40 Days ... Very Bad / at worst of HDFC, the way how you are hiding from the Customer by not even replying to the customer mail, which was given some time to you ...

from: padmaja rani
to: ravi.[protected]@hdfc.com,
[protected]@hdfcsales.com,
[protected]@hdfcsupport.co.in,
[protected]@hdfcsales.com
date: Tue, Aug 8, 2017 at 10:07 PM

It seems that there is no competent person in the above listed members to answer the customer questions ( or ) to resolve the customer issues ( or ) to update the customer in correct protocol...

I am considering that the Suresh Vipparthi is really incompetent that he don't know what documents are required for resale flats

He don't have time discipline...the proof is that he failed to return the documents, as he committed to provide the same in 3-4 days, it is almost 6th day ...

How about the others, ...

In an organization...Up the accountability and down the line responsibility...I found that in your organization no responsible person and no accountable person. If you are all not in a position to satisfy the customer, then raise your level to further level and seek the higher ups suggestions to resolve the issue...