Home Credit India Finance Complaints & Reviews

Sir, this is my id of home credit [protected].. & my contact no is [protected]...
Sir, i like to inform that i have taken a cash loan (After requesting through call)
From this one home credit... And my emi should be completed on till dated 12 th in every month... Sir in each and every month i have been paying till 12 th or before that and yesterday or before yesterday too i had already been informed that this one would be deposited till 10th january 2019.. But today some one of home credit representative came on our door & threaten us that if will not be deposit the emi on time.. Then may be 10 people will come to take emi..
Therefore i like to know that is this the right way for recovering payments. Having saved the call of that particular representative.. Who threatened..
I want to know that is this the right way.. Suppose i am unable to pay on time.. Then what would be done? Company may send a legal notice or send a criminal in the name of executive. Particularly in the absence of mine. Yes this is done by the company. Company sending criminal who threatened when i was unavailable from my home.
While i just paying 28 or 30 days late. For this company can add some penalty beside intrest or send legal notice but company just doing opposite that they sending criminal by the name of executive for the socially harassment. While i pick all the call and reply properly. I was updated for deposits on dated 10.01.19 but before ending of this date company send some people at my home in the absence of mine.
Hence i like to request to senior of the home credit don't send anyone at my home specially when i am unavailable from my home.
I don't think that its a right way to recover your emi. Company can send me legal notice if not satisfied with me.
Thanking you with regards
Deepak jha

I had not received any statement or sms against my expense thru credit card. I had used credit card for first and the last time. I also tried to pay immediately as soon as i had done the transaction against my credit card but not details appeared and so i was not allowed to pay any payment. And then i went to my native town and was on leave for around the month. During my vacation i did not received any sms / email against outstanding payment. Still i as soon as i returned from vacation, i checked the statement thru netbanking and paid the amount. Now hdfc bank had debited directly rs.1038/- from my hdfc a/c against credit card and it is showing as fund transfer. On asking why i did not received any outstanding credit card details and their answer is that we don't provide any such details. Then how the customer will pay the outstanding amount of their credit card. Please arrange to refund my amount 1038/-.

Sir my name is salman khan s/o islamuddin dob. 18 january 1994. Sir maine 1 january ko cash loan 20000 ka form signed kiya tha jisme mujhe 100 % commitment ke sath bataya gaya tha ki apko cash 6 working days me mil jayga lekin aaj 9th january ho gayi hai or abhi tak cash account me nahi aya hai or bar bar costumere care ko call kar raha hu lekin wo bolte hai ki documnet abhi tak hamare pas nahi aaye hai. To aap mujhe bataye ki aap file charge loan frne se pahle ki kaat lete hai lakin aapka process itna ghatiya or slow kyo hai aap log kyo jhunta commetmnt karte hai. Kya home credit se loan lekar maine koi galti kardi hai mujhe bohat emergency hai lekin na to mr. Damodar awasthi loan signed karane wale mujhse contact kar rahe hai or na hi aap log. My loan no. Is [protected]

I am suraj soni i have taken loan for mobile from Home Credit & i have paid all EMI on time & by mistake I Paid one extra EMI against my Loan No [protected] on 7th Oct'18
then i did not get my refund i raised my issue on [protected]@homecredit, co.in but Home credit team activated my ECS in syndicate bank Wrongly, even i have given details of Axis Bank, during the Loan
Home credit team wrongly activated my ECS in syndicate bank & not helping me
i just want my extra amount refund which i have paid to home credit

Name Suraj Kumar Soni
Mob - [protected]
loan no [protected]

Dear sir,
My name is gopal dhyani and i am receiving continuous calls from your side being claiming as an referencer of loan. While the person who has taken loan is only a employee in our neighbouring company and i don't know him personally. Your company also does not do any cross checking while providing loan to the said person by taken me as an referencer in case of home credit facility availed by bablu bahadur. I had already informed the same facts to you but still i am getting a numerous calls from your side which are irritating. Please change my no. Or does not call me again. If my query is not resolved then i will take the help of state consumer forum. Kindly take the matter into your concern and take some speedy action.

Hi all,
This side pooja dubey,
Actually i have applied for a personal loan on 18th nov 2018,
And the request was raised by a foolish lady of your organization priyanka mumbai location,

From the day on application 18th nov to till yesterday she has never try to contact with me,

Although i have send multiple email to customer care, there was only one response received from auto reply mail,

Today the foolish lady priyanka told me on call that your request has been send still have to wait,

Although some from your organization,
Deepmala, arvind, kaushlendra has told me yesterday that the request has been send to back office, and a confirmation sms and email you will receice definitely before end of the day or morning next day, you will received the same,

That your loan has been processed or rejected,

Another one thing i have already updated always on call,

That if my husband mr vijay dubey ask anything about this loan go ahead and can share the same,

I am going to make a complaint against this to higher authority of home credit

My loan no is _ [protected]
My email id _ vijay. [protected]@gmail.com
My mobile no is _ [protected]

Sir mera name wasim saifi h.maine ak loan Liya tha twowheeler Ka 2015 me ...kuch problem ki wzah se loan paid off ho gya tha. ...maine total payment jma ki h...koi settlement nhi kiya ..fir bi mere civil par settlement a rha h...loan no h [protected] aur mobile no h..[protected]...plz sir esko dekh kr agar apka koi balance pending h to me jma kr dunga

On 4th nov i called the customer care for foreclose of my loan..after that when i called him 2nd day for final settlement they are telling me that loan does not belong to you..and they are taking emi also..they are playing games to charge extra amount..from last 24 day i am tired calling customer care..and running to city office jamshedpur..my contact num is [protected]..and loan num is [protected]..my name is shakir imam..loan amount is 1.5 lakh..i have payed 8 emi..more than 20 mails i have send to your care id..still no progress ...i wont pay any extra amount due to your fault..i have all call recordings of your customer care..last amount which i have to pay was 140800..not a single rupee i will pay extra..

Myself manish jangid, a customer of home credit company since 5 may 2018.
On 5 may 2018 i purchase a mobile phone through home credit financial credit services. When i purchase this phone, a insurance added with my loan. Loan no. Is [protected]. Few days ago my mobile screen damaged so i will call home credit customer services. And complaint 3 times but he will be not resolved my problam. Customer care caller said we can not fix it. Dear sir i am attached loan and insurance policy. Thank you

I am vishal. My registered email id is [protected]@gmail.com. As i have been applying loan in this site since 9 months, it only shows that you are not eligible as i have all validations to get the loan. And main thing is its showing please apply after 28th october 2018 now also, but today its 23rd november 2018. Shamefull to promise people of loan and collecting data.

I m already paid my lone amount at the date is 18nov but home credit team again debit this amount from my account & this message receive from home credit side after payment the date 18nov2018...
(Apne home credit loan [protected] ki kisht rs 1542.00 ka bhugtan karne ke liye dhanyawad, len-den id [protected] hai. Sahayata ke liye sampark karen [protected])

Loan Account No.[protected]
Sir Maine 39000 ka loan liya tha Dec-2016 me 36 months ke liye jiski installment 2076 hai aur mujhe kaha Gaya tha ki apka annual rate of interest 30.54% rahega aur aap 6 mahine ke baad kabhi bhi foreclose Kar sakte ho aur aap jab foreclose karenge tab apka bacha hua byaj nahi lagega ... Sir Mai 22 emi paid Kar chukka hu jiske hisab se Maine ab tak 45672 Rs. Paid kar diye hai

Baki ka amount Mai foreclose karna chata hu...to mujh 22746 rs. Payment ke liye bataya gaya hai jo ki 5594 rupay zada hai Interest rate ke according.

As per my calculation on flat rate basis as per sanction latter.

Period Principal Interest Total
1st Year ( 2076 x[protected]
2nd Year ( 2076 x[protected]
3rd Year ( 2076 x[protected]

Total Amount[protected]

PAID EMI 2076 X 22 = 45672

UNPAID EMI 2076 X 14 = 29064
LESS- INTEREST 11912
of 12 months Jan-Dec ( 2019 )

Balance Payable 17152

As per your calculation payable amount of Rs.22746/- why i paid excess amount rs.5594/-

As per Welcome latter Interest Rate is 30.54% PA Flat Rate
And as per Re-payment schedule Rate is 48.55 PA Reducing Rate

I had call & mail to customer care for this matter but no positive response they are revert me on mail for pay according Loan Repayment statement.

Please help me for this matter. and ask them to follow fare policy.

Attached : Loan Summary
Repayment Loan Schedule
Installment Chart
Thanks

AJAY RAI

I want to complain agaist this bludy company. This is very poor service provider. My bike loan had been completed in 30/11/2017 but todays date there is no noc letter recieved.
I have complaint in this regard through cuatumer care and mail also mark to cusern team but there is no call no mail no message recieved. Not a single revert from this bludy company and stafff also.
This is humble request plz do the needfull otherwise i will do complain in nodal and to higher authorities also.

Regards
Sonu chaurasiya
+[protected]

Incorrect deduction of interest. Non cooperation from customer service.
Loan no. [protected]
Principal amount - 49000
Interest rate - 1.87 per month
My monthly emi - 4185
Loan duration - 15 months
I have paid 6 months emi -4185 x 6 = 25110 and 8290 interest include this amount so there is an incorrect deduction of interest amount.
There is an improper service almost no cooperation from customer service.

Sir Maine 112000 ka loan liya tha 42 months ke liye jiski installment 4822 thi aur mujhe kaha Gaya tha ki apka annual rate of interest 23.9% rahega aur aap 6 mahine ke baad kabhi bhi foreclose Kar sakte ho aur aap jab foreclose karenge tab apka bacha hua byaj nahi lagega ... Sir Mai e 23 emi paid Kar di hai jis hisab Maine ab tak 1, 10, 906 rs bhar diye hai b Mai foreclose karna chata hu...to mujhse 70500 re manga ja Raha haijo ki 15500 rupay zada hai interest rate ke hisab se Maine 2 sal ka ke hisab se 53536 RS bharna that to sir Mera total amount hona chaiye foreclose ka 54536 RS Jo Mai bharne ko tayar hu lekin agar 70500 rupay bharna hoga to Mai nahi bharunga ... Uske liye aap Mera cibil bhi kharab karte hai to koi problem nahi hai.. aur Mai ab ek Bui emi bhi nahi bharunga...ab aap dekhiye Kya ho sakta hai...

Myself Kousick Mondal, a customer of HOME CREDIT company since 14 Sept 2018.
on 14the sept 2018 I purchase a mobile phone through HOME CREDIT financial credit services. when I purchase this phone, a insurance added with my loan. on that time I told to HOME CREDIT representative to cancel the insurance policy, he told me that, call to customer care, they will instruct me and cancel the policy. as per your representative, I'm trying to call HOME CREDIT customer care, and they assure me to cancel the policy, therefore they give me a Request id[protected]. on 17th September 2018.

After that, I'm trying to contact with HOME CREDIT customer care, then they told me, it was on process..

Now toady is 22nd October 2018, still it on in process. already one EMI deduct from my account and the next emi shown on HOME CREDIT app RS 2213/-
(Please see the attachment).

In between that one of the Customer Care Representative over the phone (as a relationship manager, as per his recognition) told me that give us 48hrs and he will tell me the actual result on dated 20th Oct, 2018.

Now what to do? I don't want this policy. and do not want to pay any kind of EMI payment including the insurance policy amount.

Please do the needful as soon as possible. its too late. otherwise I'll go for another step.

Loan No: [protected]
Cu ID: 11319137
IMEI [protected]
Request ID: 14348999

Thanks
With Regards
KOUSICK MONDAL
[protected]
[protected]@gmail.com

Myself Kousick Mondal, a customer of your company since 14 Sept 2018.
on 14the sept 2018 I purchase a mobile phone through your financial credit services. when I purchase this phone, a insurance added with my loan. on that time I told to your representative to cancel the insurance policy, he told me that, call to customer care, they will instruct me and cancel the policy. as per your representative, I'm trying to call your customer care, and they assure me to cancel the policy, therefore they give me a Request id[protected]. on 17th September 2018.

After that, I'm trying to contact with your customer care, then they told me, it was on process..
Now toady is 13th October 2018, still it on in process. and the emi shown on your app RS 2213/-
(Please see the attachment).

Now what to do? I don't want this policy. and do not want any kind of emi payment including the insurance policy amount.
please do the needful as soon as possible. its too late. otherwise I'll go for another step.

Loan No: [protected]
Cu ID: 11319137
IMEI [protected]
Request ID: 14348999

To all
Home credit company is totally lia all loan i have took loan 89000.00 they have been interest rate 32.50 but i have paid 8 emi 4886.00 approx 43000.00 than i have been last 2 month following for closure but never answered and answers given me prisipal amount 87000.00 i have been completed to all wey but never answer and there person mr bhachan rajput and amarsinh no +[protected] [protected] [protected] came at home and give to all violence and gunda giri dhamki about kill me so what i do? Thay not sure amount company legal advice also i talked with him but he understands all but never answer so please help all this cheeper person and this company home credit licence have to cancel any how bicoz they fraud amount 420, 409, 407, and 147 under act. All in jail spoil my life everyday 100 + call me so please helpful me
Krunal
[protected]

Name keshav suresh kathe
Contact no [protected]
Customer id 4169501
Dob[protected]
Total emi 42
Emi paid emi 09

My name is keshav kathe i have taken cash loan in december 2017. I have paid 09 installments and now i want to foreclose the loan. I called on your toll free no. 15 times and they are telling me different different amount. Someone is telling to pay rs. 96625 and someone is telling to pay rs. 100325 to foreclose the loan. Are you playing with me? You have one of the worst customer service. How could they tell me different amount. What amount i should to pay 96625 or 100325? Stop bothering your customers. Just tell me how much i should pay?

No updates from ur side regarding my loan having number [protected]
please update me loan approved or not. So many times I mail to you but no reply and ur mobile application is not working.
i complete my documents but not processing in 7th stage for the last 2 days showing processing and processing...please do something as soon as my sister suggest me that go for home credit but...
Regards,
Vipin Chauhan
[protected]