[Resolved]  HDFC Bank — personal loan terms not as per agreed

Hi

Loan account # 56283264

I opted for a 8lakh personal loan from hdfc bank. This loan was taken to close my couple of earlier loans and club them at one spot. And my only reason for opting for this loan was that there was a 0% preclosure charge and part payments allowed after 6 months.
This was offered by roshini who was the first person to contact me for the loan (Ph# [protected])

Once i got the loan, i got the loan documents after a few days. I did not read the documents initially as i thought it was not necessary. But i downloaded them for printout on 11thapril. Then i read them and found that the documents say that preclose is 4% after 12emi and part payment is not allowed. I was shocked to see that. I checked with roshini, and she again said over phone that its 0% preclose and part payment allowed after 6 months. She said this is new policy and may not be in documents. I asked her to send a official mail mentioning this from a hdfc bank email id.
She has been passing time since then and i have not been able to get the confirmation.
This loan is useless as if i am not able to do part payment or preclose, i will be stuck in this loan for 5 years.

I feel cheated by hdfc bank who has recruited or out sourced loan things to such people/companies. Please help me get the issue resolved or return the loan in actual as i have never agreed to 4% preclose and no part payments.

Contact details of persons involved / got in touch with:
First contact: roshini (Said to be from hdfc) phone# [protected]
Mails for confirmation from: raghuram financebuddha personal loan - bangalore christika

Loan disbursal date: 06 apr 2018

Regards