Hello,
On sending an email for LOD and Foreclosure letter to fulfill my current Home loan with HDFC bank, Dhruvi Shah from HDFC Loan department called me and offered me a discounted rate of 8.45% as my current rate was 9.50% on 22nd March.
I have dropped another email to her (Dhruvi Shah) with my list of questions on which I was not answered by an email instead she called me and explained me. My current review cycle as per HDFC home loan mobile app is 3 months, as specially on this review cycle question, she explained me that when RBI will increase the repo rate, after a month it will be updated in HDFC bank system and after that month it will visible to you. So almost after 2 months of time, I will have an impact of the new repo rate.
I have sent an email with her explanation and asked for the written confirmation in email on 29th March; however, she again did not responded via email and I haven't given my confirmation. So, on the same day around 6PM, Dhruvi Shah called me saying that as bank has lowered the interest rate for you and instead of 8.45% it will be 8.35% so if you want to avail this benefit, please send me a confirmation email by night; hence, she can raise the conversion charges link for me to pay and avail the benefits. I got her email on 29th March 7.02 PM saying that "as per telephonic conversation, kindly confirm for the rate at 8.35%." In this email she hasn't responded on my queries confirmation.
When I opened the URL to pay for the conversion charges, current and new interest rate, EMI and the duration were displayed to me. No information related to the review cycle was mentioned. On 30th March at 9.28 AM, I got an email confirmation from Dhruvi saying that she has initiated conversion process and I will receive an email to pay.
I paid 2950/- on 30th March around 7PM and after paying I got a letter of conversion in which it is mentioned that my interest rate review cycle has been changed from 3 months to 1 month. So I drop an email immediately on 31st March around 10.43 AM and after that I sent a couple of email to Dhruvi. I also called many times to her but no response.
On 3rd April in the afternoon, when I called and asked to talk with Dhruvi, her colleague Mansi picked up my call and asked my concern. When I explained her all my situation and asked her to transfer the call to Dhruvi, she put my call on hold and then Mansi told, she has raised a request to get a response from Dhruvi. I got another call on 3rd April from Mansi and I asked the same to connect me with Dhruvi and she told the same thing again. However, I have never got a call from Dhruvi and resolved my queries.
My main concern is these HDFC home loan sales team is aware of the benefits with their clauses; however, still they are not telling the truth to the customer and fool them by lying and cheating them. They just want the customer to be with them but they never understand the pains and the situation of the customers. This is how HDFC home loan department works.
I need resolution for this cheat and refund of my money 2950/- with the same benefits which I applied for (8.35% interest rate with 329 remaining months and 3 months of review cycle).
I have email communication proof as well which I have mentioned here. I can provide on request.
Regards,
Krunal
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