Home Credit India Finance Complaints & Reviews

Mar 22, 2019

Home Credit India Finance Customer Care's response Dear Poonam,

This is in regards to your concern {16844102} registered with Home Credit. As discussed with you over the call today, your concern regards to Loan foreclosure has been resolved.

For any further help, please feel free to contact us.

For quick access to your account information, please download our mobile application from Play Store here.

Regards,

Customer Support Team

Mar 20, 2019

Home Credit India Finance Customer Care's response Dear Sunitha,

Thank you for letting us know about your recent experience with us. We apologize if our service did not met your expectation and appreciate you for taking time to share your concerns.

We wish to inform you that we have forwarded your request to the concerned team with reference number '16842949', your relationship manager shall contact you on this concern within next 48 hours.

We appreciate your patience in the interim.

For any further help, please feel free to contact us. We assure our best services at all times.

Regards,

Customer Care Team
Home Credit India Finance Private Limited | Call –[protected]; Email – [protected]@homecredit.co.in

Mar 17, 2019

Home Credit India Finance Customer Care's response Dear Customer,

Thank you for contacting Home Credit.

We regret the inconvenience caused.

Kindly share your Loan number (Ten digit number, starts with 3) OR registered mobile number so that we can assist you with your concern. You can refer to your loan documents i.e. Loan Summary / Repayment Guidelines.

For any further help, please contact us.

Regards,

Customer Care Team
Home Credit India Finance Private Limited | Email – [protected]@homecredit.co.in

Access your loan information anytime, anywhere. Download our App: http://bit.ly/2snRXRO"

Mar 17, 2019

Home Credit India Finance Customer Care's response Dear Customer,

Thank you for contacting Home Credit.

We regret the inconvenience caused.

Kindly share your Loan number (Ten digit number, starts with 3) OR registered mobile number so that we can assist you with your concern. You can refer to your loan documents i.e. Loan Summary / Repayment Guidelines.

For any further help, please contact us.

Regards,

Customer Care Team
Home Credit India Finance Private Limited | Email – [protected]@homecredit.co.in

Access your loan information anytime, anywhere. Download our App: http://bit.ly/2snRXRO

Mar 11, 2019

Home Credit India Finance Customer Care's response Dear Vishal,

Thank you for contacting Home Credit.

We regret the inconvenience caused.

We wish to inform you that we have forwarded your concern to our relevant department and they shall assist your accordingly.

We appreciate your patience and understanding with this.

For any further help, please contact us on our email id:[protected]@homecredit.co.in.

Regards,

Customer Care Team
Home Credit India Finance Private Limited | Email – [protected]@homecredit.co.in

Access your loan information anytime, anywhere. Download our App: http://bit.ly/2snRXRO

Mar 01, 2019

Home Credit India Finance Customer Care's response Dear Manoj,

This is with regards to your query with Home Credit.

In reply to your query, we noted from our records that your relationship manager has already contacted you and your query has been resolved as per the telephonic discussion which you had.

We wish to reiterate you that the interest amount has been calculated using the flat rate of interest for the entire loan period. The interest amount shall be appropriated to loan account on the basis of the monthly reducing balance of the loan amount.

In order to foreclose your loan, please refer below terms and conditions.

1.Minimum 06 installments to be paid to foreclose the loan under this option.
2.As per the loan summary letter terms & condition you need to make payment of the amount communicated by our customer care team.
3.Nil foreclosure penalty charges will be applicable on the outstanding principal amount as per the loan summary letter terms & condition.
4.To raise a request for Early Repayment customer have to call us before 5 days from last due date.
5.Once the request is raised and activated with us customer is advised to make the payment within 48 hours to avail the benefit of Early Repayment option, which is as per the terms & condition of loan summary letter.

Hence, we are closing this concern.

For any further help, please feel free to contact us.

Regards,

Customer Care Team
Home Credit India Finance Private Limited | Call –[protected]; Email – [protected]@homecredit.co.in

Feb 24, 2019

Home Credit India Finance Customer Care's response Dear Sukeshani,

This is with regards to your query with Home Credit under reference number 16462320.

In reply to your query, I am pleased to inform you that your query has been resolved successfully as per the telephonic discussion which we you had with us dated 22/02/2019.

We wish to inform you that the interest amount has been calculated using the flat rate of interest for the entire loan period. The interest amount shall be appropriated to loan account on the basis of the monthly reducing balance of the loan amount.

In order to foreclose your loan, please refer below terms and conditions:-

Minimum 06 installments to be paid to foreclose the loan under this option.
As per the loan summary letter terms & condition you need to make payment of the amount communicated by our customer care team.
Nil foreclosure penalty charges will be applicable on the outstanding principal amount as per the loan summary letter terms & condition.
To raise a request for Early Repayment customer have to call us before 5 days from last due date.
Once the request is raised and activated with us customer is advised to make the payment within 48 hours to avail the benefit of Early Repayment option, which is as per the terms & condition of loan summary letter.

We have sent scan copy of Bifurcated Interest Certificate on your registered email ID for your reference. Please do revert in case of any discrepancy.

Meanwhile, we are closing this concern.

For any further help, please feel free to contact us.

Regards,

Customer Care Team
Home Credit India Finance Private Limited | Call –[protected]; Email – [protected]@homecredit.co.in

Feb 17, 2019

Home Credit India Finance Customer Care's response Dear Babloo,

Thank you for contacting Home Credit.

We regret the inconvenience caused.

We wish to inform you that as per the General Terms and Conditions of the Loan and the Terms and Conditions mentioned in your Loan Summary, the interest amount has been calculated basis the annualized flat rate of interest.

The apportionment of the interest amount over the period of the loan is done on a reducing balance method so that the interest charged on a monthly basis is consistent with the principal outstanding at the end of each month. We assure you that the total amount of interest received from the customer basis the flat rate of interest mentioned in the loan summary remains the same.

There are no foreclosure charges, however, depending on the date of foreclosure, the interest for the number of days in the month till foreclosure happens is calculated in a pro-rated manner.

Please note all the terms and conditions of the loan are mentioned in the Loan summary and the General Terms and Conditions.

Further, If you wish to foreclose the loan, we would able to activate the request 5 days prior to your next EMI date, provided NIL delinquent amount as on date. Upon activation, you are advised to make the payment within 48 hours from the activation date.

Additionally, we observe from our records that loan related details were shared with you in the loan summary letter and same is duly signed by you. Hence, we request you to kindly adhere to the shared loan summary letter and make timely payments to avoid late payment charges and further collection activities.

We appreciate your patience and understanding with this.

For any further help, please contact us on our email id:[protected]@homecredit.co.in.

Regards,

Customer Care Team
Home Credit India Finance Private Limited | Email – [protected]@homecredit.co.in

Access your loan information anytime, anywhere. Download our App: http://bit.ly/2snRXRO

Feb 15, 2019

Home Credit India Finance Customer Care's response Dear Anish,

Thank you for contacting Home Credit.

We regret the inconvenience caused.

We wish to inform that we have forwarded your concern with reference no:16395778 to the relevant department and shall update you in next 48 hours.

We appreciate your patience and understanding in this regards.

For any further help, please contact us on our email id:[protected]@homecredit.co.in.

Regards,

Customer Care Team
Home Credit India Finance Private Limited | Call –[protected]; Email – [protected]@homecredit.co.in

Access your loan information anytime, anywhere. Download our App: http://bit.ly/2snRXRO

Feb 15, 2019

Home Credit India Finance Customer Care's response Dear Anish,

Thank you for contacting Home Credit.

We regret the inconvenience caused.

We wish to inform you that we have removed your contact details from our database. So, henceforth you won't be receiving any calls from our end.

We appreciate your patience and understanding in this regards.

For any further help, please contact us on our email id:[protected]@homecredit.co.in.

Regards,

Customer Care Team
Home Credit India Finance Private Limited | Email – [protected]@homecredit.co.in

Access your loan information anytime, anywhere. Download our App: http://bit.ly/2snRXRO

Feb 11, 2019

Home Credit India Finance Customer Care's response Dear Amutha,

Thank you for contacting Home Credit.

We regret the inconvenience caused.

We wish to inform you that as per company policy if payment is not made on or before the due date then standard legal collection activities are been followed, which we cannot stop. Hence, we request you to make payment at the earliest of Rs.5, 468/- which is pending from the last 57 days to avoid further late payment charges, standard collection activities and to maintain good CIBIL report.

We appreciate your patience and understanding with this.

For any further help, please contact us at the below-mentioned email id.

Regards,

Customer Care Team
Home Credit India Finance Private Limited | Call –[protected]; Email – [protected]@homecredit.co.in

Access your loan information anytime, anywhere. Download our App: http://bit.ly/2snRXRO

Feb 11, 2019

Home Credit India Finance Customer Care's response Dear Gayan,

Thank you for contacting Home Credit.

We regret the inconvenience caused.

We wish to inform you that as per the General Terms and Conditions of the Loan and the Terms and Conditions mentioned in your Loan Summary, the interest amount has been calculated basis the annualized flat rate of interest. The apportionment of the interest amount over the period of the loan is done on a reducing balance method so that the interest charged on a monthly basis is consistent with the principal outstanding at the end of each month. We assure you that the total amount of interest received from the customer basis the flat rate of interest mentioned in the loan summary remains the same. There are no foreclosure charges, however, depending on the month till foreclosure happens is calculated in a pro-rated manner. Please note all the terms and conditions of the loan are mentioned in the Loan summary and the General Terms and Conditions.

Further, If you wish to foreclose the loan, we would able to activate the request 5 days prior to your next EMI date, provided NIL delinquent amount as on date. Upon activation, you are advised to make the payment within 48 hours from the activation date.

Additionally, your contract is having the delinquent amount of Rs.3, 622/- which is pending from last 2 days. Hence, we would request you to kindly make the payment at the earliest to avoid collection activities.

We appreciate your patience and understanding with this.

For any further help, please contact us at the below-mentioned email id.

Regards,

Customer Care Team
Home Credit India Finance Private Limited | Call –[protected]; Email – [protected]@homecredit.co.in

Access your loan information anytime, anywhere. Download our App: http://bit.ly/2snRXRO

Feb 11, 2019

Home Credit India Finance Customer Care's response Dear Customer,

Thank you for contacting Home Credit.

We regret the inconvenience caused

Kindly share your Loan number (Ten digit number, starts with 3) OR registered mobile number so that we can assist you with your concern. You can refer to your loan documents i.e. Loan Summary / Repayment Guidelines.

Further, we request you to help us with an updated Bank Statement/Passbook highlighting the amount deducted at [protected]@homecredit.co.in so that we can check and assist you further.

We appreciate your patience and understanding with this.

For any further help, please contact us at the below mentioned email id.

Regards,

Customer Care Team
Home Credit India Finance Private Limited | Call –[protected]; Email – [protected]@homecredit.co.in

Access your loan information anytime, anywhere. Download our App: http://bit.ly/2snRXRO

Feb 06, 2019

Home Credit India Finance Customer Care's response Dear Priyanshu,

This is with regards to your query with Home Credit under reference number 16258696.

In reply to your query, I am pleased to inform you that your query has been resolved successfully as per the telephonic discussion which we had today.

We wish to inform you that the interest amount has been calculated using the flat rate of interest for the entire loan period. The interest amount shall be appropriated to loan account on the basis of the monthly reducing balance of the loan amount.

In order to foreclose your loan, please refer below terms and conditions.
• Minimum 06 installments to be paid to foreclose the loan under this option.
• As per the loan summary letter terms & condition you need to make payment of the amount communicated by our customer care team.
• Nil foreclosure penalty charges will be applicable on the outstanding principal amount as per the loan summary letter terms & condition.
• To raise a request for Early Repayment customer have to call us before 5 days from last due date.
• Once the request is raised and activated with us customer is advised to make the payment within 48 hours to avail the benefit of Early Repayment option, which is as per the terms & condition of loan summary letter.
Meanwhile, we are closing this concern.

For any further help, please feel free to contact us.

For quick access to your account information, please download our mobile application from Play Store.

Regards,  

Customer Support Team 

Jan 31, 2019

Home Credit India Finance Customer Care's response Dear Sir/Ma'am,

Thank you for contacting Home Credit.

In reply to your query, we are unable to fetch the contract ID basis the details mentioned in your email. Hence, we request you to kindly share your contact number on which you are receiving calls.

Once we receive the details, we shall check your account and assist you accordingly.

For any further help, please feel free to contact us on below mentioned contact details. We assure our best services at all times.

Regards,

Customer Care Team
Home Credit India Finance Private Limited | Call –[protected]; Email – [protected]@homecredit.co.in

Jan 31, 2019

Home Credit India Finance Customer Care's response Dear Sir/Ma'am,

Thank you for contacting Home Credit.

Kindly ignore the previous email.

In reply to your query, we are unable to fetch the contract ID basis the details mentioned in your email. Hence, we request you to kindly share your contact number/loan number.

Once we receive the details, we shall check your account and assist you accordingly.

For any further help, please feel free to contact us on below mentioned contact details. We assure our best services at all times.

Regards,

Customer Care Team
Home Credit India Finance Private Limited | Call –[protected]; Email – [protected]@homecredit.co.in

Jan 30, 2019

Home Credit India Finance Customer Care's response Dear Sir/Ma'am,

Thank you for contacting Home Credit.

In reply to your query, we are unable to fetch the contract ID basis the details mentioned in your email. Hence, we request you to kindly share your loan account number/contact number.

Once we receive the details, we shall check your account and assist you accordingly.

For any further help, please feel free to contact us on below mentioned contact details. We assure our best services at all times.

Regards,

Customer Care Team
Home Credit India Finance Private Limited | Call –[protected]; Email – [protected]@homecredit.co.in

Jan 22, 2019

Home Credit India Finance Customer Care's response Dear Mohit,

We regret the inconvenience caused.

We request you to help us with your Contact number on which you are getting calls from our side so that we can investigate and assist you accordingly.

We appreciate your patience and understanding in this regards.

For any further help, please contact us at the below mentioned email id.

Regards,

Customer Care Team
Home Credit India Finance Private Limited | Email – [protected]@homecredit.co.in

Access your loan information anytime, anywhere. Download our App: http://bit.ly/2snRXRO

Jan 16, 2019

Home Credit India Finance Customer Care's response Dear Vishal,

This is in reference to your concern registered with Home Credit under reference number 15968962.

In reply to your query, I am pleased to inform you that your query has been resolved successfully as per the telephonic discussion which we had today. We wish to inform you that mentioned charges are levied by your bank as your ECS was returned unclaimed in the month of Dec'18 due to 'Insufficient balance' as confirmed by your bank.

Any standing instruction being dishonored would attract the ECS return charges and same would be charged by your bank. Hence, we request you to contact your respective bank for more clarification in this regards and ensure sufficient balance in your account and timely payment for all your subsequent EMI. 

We recommend you to maintain sufficient funds in your bank account 6 days prior to your EMI due date in order to avoid any last minute hassle.

I hope you had a great experience with us.

For quick access to your account information, please download our mobile application from Play Store.

Regards,  

Customer Support Team 

Jan 15, 2019

Home Credit India Finance Customer Care's response Dear Amita,

This is in reference to your concern registered with Home Credit under reference number 15956621.

In reply to your query, I am pleased to inform you that your query has been resolved successfully as per the telephonic discussion which we had today. We wish to inform you that your payment of Rs.350/- has been updated and your loan has been Closed/Finished in our records.

I hope you had a great experience with us.

For any further help, please feel free to contact us.

For quick access to your account information, please download our mobile application from Play Store here.

Regards,  

Customer Support Team 

Jan 13, 2019

Home Credit India Finance Customer Care's response Dear Gulam,

This is in reference to your concern registered with Home Credit India.

We are sorry for the inconvenience caused to you.

We wish to inform you that we have forwarded your concern to our relevant team and same will be updated to you within next 48 hours.

We appreciate your patience in meantime.

For any further help, please contact us.
​
Regards,
Customer Care Team
Home Credit India Finance Private Limited | Call –[protected]; Email – [protected]@homecredit.co.in

Jan 14, 2019

Home Credit India Finance Customer Care's response Dear Gulam,

This is in regards to your concern registered with Home Credit.

We apologize for the inconvenience caused to you.

We wish to inform you that as discussed over the call your query has been resolved successfully.

Further, we would request you to kindly make the payment of your delinquent amount of Rs 10, 115 which is pending from last 361 days to avoid standard legal activities.

For any further help, please contact us.

Regards,
Customer Care Team
Home Credit India Finance Private Limited | Call –[protected]; Email – [protected]@homecredit.co.in

Jan 13, 2019

Home Credit India Finance Customer Care's response Dear Deepak,

This is in reference to your concern registered with Home Credit India.

We are sorry for the inconvenience caused to you.

We wish to inform you that your case is already under investigation and same will be update to you within next 24 hours.

We appreciate your patience in meantime.

For any further help, please contact us.
​
Regards,
Customer Care Team
Home Credit India Finance Privwe have forwarded your concern to our relevant team and same will be updated to you within next 48 hours.ate Limited | Call –[protected]; Email – [protected]@homecredit.co.in