| Address: | Chennai, Tamil Nadu, 600028 |
| Website: | www.hdfc.com |
Dear sir,
My name is sridharan. V. Myself & my son manoj srivatsav. S applied for home loan on 02.12.2016 through hdfc, adyar branch, chennai-20. Loan application no:[protected]. My son is the main applicant & i am the co-applicant. We applied for a home loan of rs.55 lacs for a term of 25 years. While applying the loan at hdfc branch, adyar, we were assured that we will be getting a loan of around rs.50 lacs based on our income. On this assurance, we paid a initial processing fee of rs.3750/-. Then we booked a new flat in chennai. But, they dragged the matter for several months and after several tele calls & e-mail communications they rejected our application and refused to sanction home loan to us. During this period there were hardly any communications from them. But, i wrote several letters to hdfc head office at chennai pointing out there assurance of sanctioning loan to us.
But, my pleas were not considered by them favourably and and finally they rejected our application by their letter dated 07.02.2017, which i am attaching now for your reference :
"' 7 feb at 2:35 pm
To
Vsree17
Cc ashish choudhury [protected]@yahoo.com yamuna j g meera
Message body
Sir,
We regret to inform you that we would not be able to process your home loan application based on credit norms
We will be refunding the processing fee paid after deduction of charges as applicable
Regds
Priya""
After getting this reply i sent e-mails to them questioning them on what basis they rejected my application whereas they only assured us loan will be sanctioned to us & requested as to remit processing fee of rs.3750/- i also wrote in my letter"had they informed us at initial stage of submitting application thier inability to santion loan to us we would not have submitted loan application & paid processing fees". As it is not our mistake i asked them to refund the full processing fee of rs.3750/- without any deductions immediately to us. But, they have not responded till date. The amount is not refunded to us. For this also we sent remainder letters requesting them to refund the amount. No response from them till date.
Hdfc which is one of the leading housing loan co. Is not transperent in their dealings with customers and making us to run pillar to post to get refund of amount paid by us. Our experience with hdfc is very very worse they do not respond to our communications & they don't treat the customers very shabbily. Thogh they have customer care centre, they have not replied to my complaints not even a single time though we marked a copy of all our letters to them. This is the very worst customer care service we have experienced in our life time. Hereafter we will never recommend hdfc to others.
I request you take up the matter with hdfc, head office, chennai, and arrange for refunding the full processing fee of rs.3750/- paid by us immediately.
With regards,
V. Sridharan
S. Manoj srivatsav
Mob:[protected]
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