[Resolved] HDFC Bank — pl a/c no. 4885331 closing regarding

rony3174

from Surat, Gujarat

Address:

Surat, Gujarat, 395004

Dear sir/ mam

Greeting for the day!

Further to mention subject i have a running personal loan having account number 4885331 with name dipak bhimjibhai donga. It has terms of 12 month lock in period for closing. Before 12 month i can closed if i apply home loan as mention in terms.

Main point of concern that i already applied home loan ans i got sanction latter it means i am eligible to closed this loan during the lock-in pried. While i went to surat retail loan center along with my home loan sanction later for closed my running personal loan but there is not accept my application and manager replied me you can not closed this loan untill 12 month thats our terms. Otherwise there is mention in your sanction later that particulate this loan have to paid up.

I don't understand why manager creating more complications for us. Its really mentally harassment for us and wasting of our time also.

Kindly resolved this concern as soon as possible.

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Nov 19, 2018

Complaint marked as Resolved

HDFC Bank customer support has been notified about the posted complaint.

Verified Support

Oct 15, 2018

HDFC Bank Customer Care's response Dear Customer,

Our Bank does allow foreclosure of personal loans before the prescribed lock-in period of 12 months/ 12 EMIs in certain special conditions such as critical illness/ demise of the borrower, loss of employment, permanent relocation outside the country, home loan (condition prescribed by home loan grantor) - among others. Borrowers are required to produce appropriate documentary evidence in support of the application and these are considered on a case by case basis by the Bank. You will be required to approach any of our Bank's retail loans service centers ( list of service centers and address can be accessed through "branch locator" on the web page- www.hdfcbank.com) with Home loan sanction letter mentioning the precondition for closure of said PL to obtain a formal offer for foreclosure of the loan and for making the payment of Foreclosure please mention "HDFC Bank Limited Loan Account Number: XXXXX" on the cheque.

-Anay
HDFC Bank Customer Assistance