HDFC Bank Home Loan — home loan jumping rate of interest

Address:

SHIV-PRASHAD,HSG,SOC,PLOT NO 6,, NEAR TO BANK OF BARODA ,PANMALA,, SINHAGAD ROAD,, Pune, Maharashtra, 411030

How hdfc block customers, see by mail transaction first they committed to change roi then they simply refuse also stick stickers on my door when i was in contact with hdfc employee, then ask more money on mail, in advocate notice amount changes, simply harassment
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Mr raut,

There is no as such pure fix rate which you are asking about, currently the fix rate is only applicable for 2 years and not more than that, that too for new borrowers who are availing loans now.

The loan product which you have taken is pure variable loan, the loan agreement also states the same. The fix rate which you are asking about is not available as of now as confirmed with seniors.

Thanks & regards

Kiran nikade i hdfc limited |

Don't forget to submit: interest cheque at every disbursement| income source at every prepayment | ecs for every loan account.

From: nitin raut
To: kiran nikade,
Date: 20/03/2019 05:11 pm
Subject: re: fw: re: about my home loan roi at fix rate from fluctuating roi (Loan no[protected]

Dear kiran sir,

Thanks for real fast reply first time from your side, i am not willful defaulter, as i manage money to pay emi at very difficult level, thanking ones again for your revert,
Just let me know what fix interest rate will applied to me, what will be my principal amount and my numbers of emi (If i will pay emi of 40000/- per month) after paying balance amount,
What will be the chargers for same to do in fix roi
‘
And what about i have paid last emi, one thing more all of your executive and officers told me we will do to fix rate of interest last time when i have paid my balance amount in march 2018 with all charges, and after paying they reject that there is no concept of change of interest to fix roi, also asked to give proof for this to me that show me that we have given you in return.

So now i think that i have right person to solve my issue kindly help and provide details for same.

Regards
Nitin r raut

Sent from mail for windows 10

From: kiran nikade
Sent: wednesday, march 20, 2019 3:10:40 pm
To: [protected]@hotmail.com
Cc: santosh mani
Subject: re: fw: re: about my home loan roi at fix rate from fluctuating roi (Loan no[protected]

Mr raut,

You have availed adjustable rate home loan, rate of interest changed as per retail prime lending rate (Rplr).

We have discussed this before also on the same, if at all you want to convert your roi in fix rate you have to clear arrears which are in 7 months outstanding.

Total dues o/s as on date is rs. 301018/-

Thanks & regards

Kiran nikade i hdfc limited |

Don't forget to submit: interest cheque at every disbursement| income source at every prepayment | ecs for every loan account.

From: recovery helpline poona/recovery/poona/hdfc
To: santosh mani/wakdewadi/poona/[protected]@hdfc, kiran nikade/poona/[protected]@hdfc,
Date: 20/03/2019 02:44 pm
Subject: fw: re: about my home loan roi at fix rate from fluctuating roi (Loan no[protected]

Regards

Hdfc ltd
[protected]

— forwarded by recovery helpline poona/recovery/poona/hdfc on 03/20/2019 02:40pm —
To: "[protected]@hdfc.com"
From: nitin raut
Date: 03/20/2019 11:09am
Subject: re: about my home loan roi at fix rate from fluctuating roi (Loan no[protected]


Sent from mail for windows 10

From: nitin raut
Sent: friday, march 15, 2019 3:33 pm
To: [protected]@hdfc.com; [protected]@hdfc.com
Subject: about my home loan roi at fix rate from fluctuating roi (Loan no[protected]

To,
The manager
Reco helpline poona,

Respected sir / mam,

Myself nitin raut holding loan with u as loan account number[protected], as per subject i cannot afford foalting interest rate to my account, in every 2 to 3 months its not possible to pay extra amount and reset my roi, by this letter i am requesting you to reset my account to fix roi monthly, as i have started to end this account as early as possible the roi changes, and again 1 to 2 emi get added to account in every three months, as i have paid near by 1000000+ to this account, with all charges and penalty, but the outstanding comes to loan amount taken from starting,

Kindly resolve my issue and reset my account so i can pay my emi regular, its taken me to harassment level again and again, if you take one step forward and try to reslove my problem, severally there will no bounces of emi,

Looking forward for good revert from your side, so i will try to clear my account,, in revert of same issue resolved by you.

Revert for same

Nitin r raut
[protected]

Sent from mail for windows 10

To,
The manager,
Hdfc reco helpline pune,

As per above mail i have requested you to solve my problem about my account, mail send on march 15 2019, to mail id [protected]@hdfc.com,
In revert you have send me notice for recovery of pending emi, in thought from your side your are pressuring me for emi either solving my problem first and so non
Revert to my mail for same issue, as considering you want to take me court in short as i am willing to pay my balance amount in reference for issue solved by u,
So as your executive call by number [protected] and said will give proof of account in court where your paid money has been transferred to interest account.
As i have written in last mail that i have paid near by 100000.00 (Ten lakh near by) to account but my remaining balance comes to my loan taken amount

Revert
For same

Nitin r raut
[protected]
_

Advocate notice
To,

1. Mrs raut tarka nitin
Address:-
A. Flat no 302, 3rd floor, rutugandh wing b, plot no2, s. No.69/1/1, talegaon dabhade, near indrayani mahavidyalay, talegaon chakan road, talegaon dabade - 410506.
B. Raut tarka nitin, sasoon general hospital, staff nurse, operation theater.
C. Flat-no-2, plot no 6, kamal-kunj, shiv-prashad hsg so, panmala, opp to bank of baroda, opp to bank of baroda, pune – 410005.

2. Raut nitin rajendra
Address:-
A. Flat no 302, 3rd floor, rutugandh wing b, plot no2, s. No.69/1/1, talegaon dabhade, near indrayani mahavidyalay, talegaon chakan road, talegaon dabade - 410506.
B. Flat-no-2 plot no 6, kamal-kunj, shiv-prashad hsg so, panmala, opp to bank of baroda, opp to bank of baroda, pune - 410005

Madam/sir’s,

I have been instructed by my client housing development finance corporation limited (Hdfc ltd) a company registered under the companies act, 1956 and having its registered office at: ramon house, h t parekh marg, 169, backbay reclamation, churchgate, mumbai-400020 and also having its area office amongst other places at office no. 7 and 8, fifth floor, godrej eternia c, wing-b, wakdewadi, shivajinagar, pune-411005, to issue this notice to you as follows.

1. My client states that, no. 1 of you is the borrower and no. 2 is the co-borrower of my client and your loan account no is[protected].

2. My client says that, you have availed a housing loan of rs. 27, 00, 000/- (Rupees twenty seven lakh only) for flat no 302, 3rd floor, rutugandh wing b, plot no2, s. No.69/1/1, talegaon dabhade, near indrayani mahavidyalay, talegaon chakan road, talegaon dabade - 410506 (Hereinafter referred to as “said property”) subject to the terms and conditions stipulated in the loan agreement duly signed and delivered by you.

3. My client says that, as per the terms and conditions of the said loan offer letter and with an intention to secure the loan amount and all other amounts in the connection thereof you have mortgaged the said property in favor of and with my client by deposit of title documents of the same and thus created a first charge of my client on the said property. You have executed and delivered to my client by way of security the following documents amongst others viz. Promissory note executed by you, loan agreement executed by you in favor of hdfc.

4. My client further states that, you have availed rs. 27, 00, 000/- (Rupees twenty seven lakh only) of the said loan amount from my client. The said loan amount was to be repaid in equated monthly installments as agreed by you in your loan agreement.

5. My client says that, you have been committing default in the due repayment of the said loan amount, interest, etc. Thereon. My client says that, you have intentionally neglected and willfully avoided to pay the agreed e. M. I and outstanding dues in respect of your said loan amount till date.

6. My client states that as on 28/02/2019 your loan account is in arrears for the amount equal to 7 months of emi's in addition to the additional interest and incidental charges accrued. Hence the amount due and outstanding from you to my client to regularize your loan account no.[protected] is rs. 2, 98, 866/- (Rupees two lakh ninety eight thousand eight hundred and sixty six only). As such to regularize your aforesaid mentioned loan account you are liable to pay to my client the total dues of rs. 2, 98, 866/- (Rupees two lakh ninety eight thousand eight hundred and sixty six only).

7. My client says that, you are intentionally committing a breach of contract with my client and thus infringing the agreed terms and conditions of your loan agreement. My client says that, you are jointly and severally each liable and bound to pay to my client the said amount of rs. 2, 98, 866/- (Rupees two lakh ninety eight thousand eight hundred and sixty six only) along with the interest, additional interest, costs, charges, expenses etc. Thereon. My client asks you to immediately and forthwith regularize your e. M. I payments etc. And bring your account up-to date.

I have been instructed by my client to call upon you by this notice which i hereby do and ask you to pay to my client the said amount rs. 2, 98, 866/- (Rupees two lakh ninety eight thousand eight hundred and sixty six only) along with the interest, additional interest, cost, charges, etc thereon till the date of full and final payment thereof by you to my client along with the charges of rs. 5000/- of this notice to you immediately within eight (8) days from the date of receipt of the this notice by you, failing which, my client shall be constrained to call back and recover the entire amount as may be found due and outstanding at the foot of the said loan account no[protected] from you. Moreover in that case my client shall also be constrained to take recourse to necessary civil and /or criminal action in the court of law against you or either of you for the cost and consequences of which, including rs. 5000/- of this notice to you, you would obviously be liable and responsible which please note.

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