Home Credit India Finance Complaints & Reviews

Dear Sir / Mam,

I had emailed Home Credit previously about restructuring my loans as I want to pay you off, but am unable to pay currently since being jobless.

Instead of giving me a solution to it they asked me to call your helpline, which I had already done on numerous occasions, but in vain, before and after their revert to my mail.
Moreover, their executives are constantly calling me and visiting my home and pressurising me immensely for immediate payment.
They have charged such high charges for being unable to pay or for the moratorium provided earlier.
And then to add on to the metal torture and agony, they have sent me a lawyer's notice to threaten me of taking legal action against me.

I can't fathom why such a gross behavior from HOME CFREDIT's end when I myself expressed my utmost will to pay them off. Just that I had requested for some time of 6 months or restructuring of my loans with an extended tenure and lower EMIs.

If I could pay at this very moment, why would I ask for a extended moratorium or restructuring????

When other NBFCs and Bank are doing the same for their customers (including me), why won't they????

I hereby request again to restructure my Loan or give me 6 months moratorium without any extra charges.

I definitely want to pay off but can't take this mental torture from them any more.

Please consider my request and help me out.

Thanking you,
SANCHITA SEN.

I gave 70 k but home credit took 2k loan charged I paid 13 k emi paid amount 85956 Rs mean I already paid 175956 Rs intrest amount.. But today mrng without inform me call me directly came my home & harassment my family members home credit recovery team gunde.. I complained against home credit to RBI & police station Harresment my family members..

Homecredit is fraud company, they are harrasing me by putting charges without my knowledge. Even not showing and telling me loan remaining amount because its same almost despite i am paying emi on time . (Loan number : [protected]) worst customer service i have ever seen because always give excuse and copy paste answer.

I have taken a personal loan of INR 2, 00, 000 from home credit in October 2019 and loan structured for 24 month with EMI 12238. I paid 5 EMI till March and ipt 5 months moratorium till Aug. They charged INR 28370 as moratorium charges for 5 motnhs and they pur this amount to my principal amount without any notice now my loan amount is 2, 28, 370 and they are charging 58000 approx more instead of only 28, 370 as moratorium charges. Previously I had to pay INR 2, 93, 712 but now they ask me to pay total 3, 51, 819.
I asked them to re structure my loan .I am agree to pay 28370 moratorium charge in one time .Why they are asking to pay 58, 000 more .

Kindly look into this matter ..

I have already paid 3717 EMI of 28 months out of 36 now when I want foreclosure to to the company says that their is only 2000 rs left as interest because interest gets lower with the payments and 29000 rs is the total amount for 8 months out of which they are demanding 27777 rs as closure amount as I am paying 8 months earlier.

Dear home credit s mene koi loan nhi liya but unhone mene pan number par loan show kara diya h iski complent mene hone credit s ki but koi solutions unhone nhi kiya jiske liy m pareshan hu

This company will make a person's life hell if the person will not pay their interest due to any reason. This company will call the person every 10 min and asking "Sir when you are going to pay your interest in Home Credit". The same questions asked every half an hour at sometimes every 10 min. They call with different numbers and if any person didn't pick up the call then after 1 day they will send a field payment receiver to the person's home. Sir this needs to be stopped otherwise more and more suicidal cases happen due to this Home Credit. They have the right to ask about money but this doesn't mean that they can make a person's life hell.

I have taken a personal loan for which I have been charged hefty interest. Since I was in dire need I took the loan and repaying on time every month. Since my financial status is getting back to normal I thought if to close this high-interest loan. To plan that I been asking for my loan repayment schedule. And the company is not ready to provide this basic info. I feel I'm being cheated by this company. NOt sharing proper basic info to the customer on the loan details they are operating this fraud.

My name is Reema Malik and I had take a Personal Loan under the Loan ID [protected]. My monthly EMI is Rs. 4899/- and my loan tenure is of 15 months. My loan tenure started on dated 10/10/2019 and was supposed to be ended on dated 10/12/2020, but due to the lockdown it has extended.

I had applied for Safe Pay Payment Holiday in the month of December 2019. then i wanted to avail the facility for the month of January 2021. I contacted the customer care 6 days prior from the due date as per the guidelines through call, mail and chat support.

Initially one of the Executive Mr, Chethan informed me that my Safe Pay has been terminated on dated 10/12/2020 and I cannot avail the same. But i was not informed regarding through any means by the company. After that again one of the Executive Mr. Bijay he informed me that my Safe Pay is activated and my EMI is postponed for the month of January 2021. But after a while I received a mail from the Company that my Safepay is terminated. Again i talked regarding this to the Customer Care and sent mail to them. So I again received a Reply from the company that Safe Pay couldnt be activated because I didnt met the criteria all though I had followed all the required guidelines.

Inspite of continuous mail and calls, I have not received any proper response from the Company's end. thats why I had to file my complaint on this platform. i am highly disappointed with the srvice and would never ever recommend to take loan from this company.

Sir meri EMI 36 se 55 kr di h apne customer se gakat update kr diya jiski wajha se meri pr 45000 Rs jada dekha raha h apke customer care no se bat ngi hoti or mujhe EMI pe krne ko bol rahy h sir ap jitani jadi ho mera loan account update kare jisse main apna loan crossed kro apki aati kirpa hogi

Meine home credit se loan liya tha 85000 ki jiski tanore thi 48 month ki, emi thi 4022 ki, lockdown me meine 5 month ki moratorium liya tha, uske bad home credite compani ne galat tarike se intrast charg kiya hai, 5 mahine ke moratorium me RS-76418 Rupe ka charge kiya hai, , plz help me

name- kartik bera

contract id - [protected]

HI sir I have cleared my phone loan and i want NOC of the same in hard and soft copy, so pls kindly provide me as soon as possible.
Customer Name :- Purushottam mowade, contract No. - [protected], customer id[protected]
Dear sir,
I have already to settled my matter with our home credit lawyer and company. I have paid 5800/- on home credit loan account. I have attached payment slip.
I have no. Of times ask regarding NOC but not provide till date.
Home credit representive mentally Harresment me.
All note down in diary
Respectly home credit representive mobile nos, name, also telephone recording. All those people called me no. Of times.
Please provide NOC.
Thanking you

Hello sir/mam
i am vikas pandurang patil and i m from gujarat navsari.
i want to close my loan and i have been already talk to your many customer care executives but your customer care executives does not support any time and gave any kinds of excuses and gave any information pls give me my for close letter for close loan, if you are not able to give me then i will take a action cos i dont want to conintue your loan

I have paid 6 emi's and the remaining balance on 3dec 2018 .I called the customer care told them i want to foreclose the loan nthey told me procedure and didn't activated my fore closure request and started debiting again from Aug 2020 ... As i have paid all the amount on 3/12/2018 then also they are deducting the amount

Im not there customer, but still i'm receiving call regarding some name
i've raised many complaints but nothing worked
please take action
thanks in advanced.

I am following this company since 1 month for my loan statement account ( history of my payments I made ) but they are not providing the document. Everytime they ask for 3 days time and ensure me I will get it after 3 days.
I have been mentally tortued and harrsed by this company. I have 3 call records where there executive ensuring me I will get it by three days.

I have to take loan but my bank has asked my previous loan history ( statement of account ) But Home credit India Finance is not providing.

I am requesting this digital complaint forum to please take action and help me.

I have call records of these people

Below mentioned are the people whome I have spoked with
Chandra Shaker - customer support executive
Prasad Nagraj - Supervisor
Home Credit - Customer service
[protected]
Gurgaon.

Without any noticed he sent recovery agent in home.
he already report to cibil.and announced me as a defaulter
i m not able to pay emi I am jobless.

or Dhamki or de raha ha

Dear Sir/Mam,

As I Paritosh Jaiswal as a customer of HOME CREDIT INDIA FINANCE taken a PL in my name in which I always paid my entire EMI's before due date but for the of Nov'2020 I am not able to get paid because of I have got an major accident in previous month, where i had got a multiple inguery and my right hand got factured.

where I got shifted to Patna Bihar along with my father as he is a JUSTICE in Patna Bihar

and also I am taking a complete bed rest and same as I already send Dr prescription to the company then after company is getting my threating for legal action against me and also they are giving me continuous call and getting me irritate for the smae

My loan contract no. [protected] is closed on[protected] but I haven't received 'No dues certificate' yet(today date[protected]. Your customer care executive told me that you will receive your 'no dues certificate' on your registered email after 10 days but today is 14th day and I didn't received 'No dues certificate'. Provide 'no dues certificate' ASAP.

Contract No. [protected]
Reg. Mob no. [protected]

My Loan Contract ID no. [protected] was completed 10 days ago. Customer care executive said no dues certificate will be send on reg email id within 10 days but I haven't received no dues certificate yet. Please issue no dues certificate as soon as possible.