[Resolved]  HDFC Bank — Nrp loan - file no:[protected] mrs nidhi agarwal

Address:	Ghaziabad, Uttar Pradesh, 201002
Website:	hdfcsales.com and hdfc.com

Dear sir/madam,

Greeitng of the day...
We would like to submit regarding your query received today 12.06.2017 as under:-
Query 1. No dues of hdfc bank car loan -
In this, i have taken the car loan from hdfc at ghaziabad and i went at hdfc, lohia nagar, ghaziabad on 08.06.2017 at 10.00 am for the disbursement of car loan amount. The bank refused and told that pl go at noida branch for disbursement the car loan and the address provided by the bank was wrong. Any how i searched the correct address by investing about 2 hours in noida. Then i entered the loan disbursed branch at 12.55 pm and they provided me the token and one form. My token no was 55 at 08.06.2017. I waited about 2.30 hours at that branch. I saw that 03 counters were operating to solve the query. When my number came at the counter no 2 then i submit the form and the cheque. They refused to take it by the reason that you can not close the car loan account fully only you may pay 25% of the remaining balance of your car loan amount and the charges will be for depositing the amount will be 3.34%.
Here, i would like to submit that when i was taking the car loan, the executive of hdfc told that there was no extra charges on the full payment / part payment of car loan.
I submit the same statement at the counter no 2. The executive of hdfc told that the sales man of hdfc had been misguided you and they generally used to telling a lie when they used to sell the loan of any.
I surprised to hear that and return back at my home. I have tried mr rupeet land line at the same place. But unfortunately phone was not picked and then same i submit to mr sourabh purohit.
Query no 2 :- insurance is mandatory for nrp loans:- pl do the insurance at low rate, since that condition was not told earlier to me.

Query no 3:- debit proof of rs 100000 paid from sbi:- no body has demanded till date and the ansal housing also issued the receipt for the same and the deposition of rs1.00 lakh is about two and half month back.

Query no 4:- letter for offer of possession else we will hold back possession amount:- this is purely the part of the builder and no body informed us for the same. I surprised to see that query since the builder has told that they have provided all documents since long back about 2 months back.
Query no 5. Residence and employer verification is due:- again surprising us, since two times verification has been done on both the places.
I feel that there is some confusion form your good-office. I would like to submit the following:-
I. I have applied for loan about in march and provided full paper as required.
2. As it is my planning to close the car loan, but till date no body has informed me that there is no provision for closing the car loan in hdfc.
3. Debit proof of rs1.00 lakh never demanded as i have already submitted the debit proofs of rs23 lakhs.
4. I have taken home loan (9 years) as well as car loan (2.7 years) from hdfc and till date not a single emi has bounced or unpaid by us.
5. We are reputed customer of your bank since a long time back about 10 years and no single emi bounced till date. You may check for the same.
6. For this property, i have already paid about 24 lacs and all the original documents is already with you.
7. The loan sanction letter issued on 26.05.2017, so now today you are asking for that queries.
I fail to understand why my loan is taking so much time about 3 months are going to pass when my all papers were completed about in march 2017 and because ofthis delay builder has raised a interest of late fee aprox 28000/-plus which is totally based on the very slow process of hdfc here i also like to say that icici ready to sanction my loan in one month but just because of previous relations with hdfc and promises done by your executive that they will process it timely we trust on hdfc but now who will be the responsible for that penalty raised by builder.
Pl look into the matter and disburse the loan to the company asap and also pay the interest raised by the builder for late process.
Kindly favor and disburse my loan amount.
Regards
Yours truly
Dr puneet agarwal