Home Credit India Finance Complaints & Reviews

Dear Sir/Ma'am,
I would like to bring you a kind notice that i have taken a personal loan from home credit in effect from 08.02.2018 and as its 6monthly Emi's are paid so now i want to repay it but the amount told by customer service representative is way higher than the amount that must be paid.
They have told me to pay:Rs.96, 151
I have paid 6emi's of Rs.5598
Yearly interest is:33.85%
and as per half yearly calculation:16% approx is paid
So via simple calculation it can be calculated that I have paid Rs.2820 per month with each Emi as interest and the rest being my principal amount.
So after above calculation it can be calculated that the amount that has to be repaid is Rs.83, 332
so why the system is showing that the principal that needs to be paid is Rs.96, 151 and if this was the case so why it was not informed at the time of loan approval.
So its my humble request to you to look into my issue and resolve it as soon as possible
Contract Number:[protected]
Name: Raghav Manglik
Father's Name: Rajeev Manglik
D.O.B:16.02.1997
Registered Mobile Number:[protected]

I have recently taken a new mobile number and i am getting continuous calls. They are trying to reach someone. And continuously harassing me by calling every now and then. I have told them many a times that i have bought this new number for me in the month of july'18 and i do not know that person. Still they keep calling and everytime they promise that they will update their records but nothing happens. They want to know every detail of mine that who am i and what's my address but when i asked for the details of their representative like name and employee id, he simply denied. I asked for the supervisor and they refused to transfer my call., my number [protected]

Dear sir / madam I NIRANJAN KUMAR PATHAK. I get call from [protected] who offers me a loan than I applied personal loan on date 20 Aug 2018 amount 103000/- my contract no. [protected]. but I wish to cancel this application because of higher rate of interest of 33.85% called to customers care and team leader who told me my problem so please look into my matter and cancel my application My name NIRANJAN KUMAR PATHAK my loan.

NIRANJAN KUMAR PATHAK
MOBILE NO:. [protected]

The sales executive misleads me regarding my loan, and my installments. They didn’t provided me any of the document regarding my loan summary or anything. The executive made a commitment that you have to pay 11 installments, when i made all emi successfully afterwards they said you have to pay one more.. Because it was an offer for you, that has been cancelled because of your late payments. When i filed a complaint regarding this issue by calling them on their tollfree no, no one helped me with the proper information. Each executive will tell you a different story.. After struggling alot finally a senior called me and claims that he will waveoff the last installment if i show him my bank statement via e-mail, so i did that and unfortunately he didn’t receive that e-mail (Senior told me this) and he ended up with my case, after one month they start harassing you, and some of the executives misbehaves alot. When i called the tollfree no they start lying to me that i haven’t called the tollfree no, this call is connected to collection department. And i never get assisted properly, every person over there claims to be a supervisor but can’t pull up any information regarding any of their executives.

Dear sir

your sels deelar in ujjain mp is not qualified to finance any praducts with you because i was finance a oppo mobile in date 18/04/2018 and i pay 3 month installment and one installment is deue and your sels deelar today come and abuse and slep my workers i have a CCTV futage and he say give me installment otherwise i slep you and he is broken my shope so
i request you to strict action againts him otherwise i will take action againts your compney and your deelar

Dear Sir/ Madam,

I am truly very got bad experience of giving amount I full and now till date you peoples(Home Credit )as giving useless and baseless replies that " We cannot do because of blaw .. blaw .. blaw ..

I ask you one thing.. have you similar with byelaws ?? or having childish knowledge .. if you peoples thinking I will forgot mine amount which was given and bearing yours Nonsense "Settled off In mine CIBIL., This is literrlty yours mistake...I only want to remove mine status in CIBIL ...and why should I call you again and again

Regards
Vivek
[protected]

Hi i am sebastian pillay. I had taken home credit pre approved cash loan before 9 months also paid 8 emi which is 5324. Now i wants to close my loan & when i called to home credit customer care they told me that wait till 1st august now when their collection team called me they told that u pay only this emi then we will take complaint for foreclosure amount so i state that u tell me the full amount for foreclosure & will pay that within 24 hours but still no one is helping & call me regarding this.

Loan Amount 163000 on 28 sep 2017
3260 processing fees
RATE OF INTEREST 20.66%
6202 installment for 48 months

I have paid 10 installment
6202×10=62020 (Interest 28063+33957 Principal Amount)

163000 Loan Amount
-33957 Principal Amount I have Paid
=129043 is my due Amount

HOME CREDIT FORECLOSURE AMOUNT IS 148218
It is 14.86% Greater.

Dear sir/ Madam, This is in regards to your reply with your baseless reply and am not that kind of customer you are thinking that will u satisfy with baseless reply and resolution.Firstly I want to draw yours kind attaention towards the scenario, I was truly affescted by Non fortunate conditions, That truly bad experienced me and after that
I paid you fully and final payments including interest and penalty to you, and if you are saying that Thus, "we cannot change the status from Written Off to Closed/Standard.
"Than please let me know how you cannot remove this Because of
MASTER CIRCULAR NO.DBOD NO.BP.BC.20/21.04.048/2008-09Dated 04 july 2008, as per annexure 4.2.5
4.2.5 Upgradation of loan accounts classified as NPAs
If arrears of interest and principal are paid by the borrower in the case of loan accounts classified as NPAs, the account should no longer be treated as non­performing and may be classified as ‘standard
Accounts. With regard to upgradation of a restructured/ rescheduled account which is classified as NPA contents of paragraphs 4.2.15 and 4.2.16 will be applicable.

Now if all these definition could not understand you Than specifically I Moved to Consumer court for mine justce and mine propers Accounts.because you know a little part of law ., and I know evRy part of law and rules and notifications..and this is mine last warning if you will not closed mine account, Than fasttrack court will decide what to do ..

Regards
[protected]

Sir, my name: tushar kumar parkhaji prajapati,
D. O. B.24/08/1974
Father name: parkhaji dhudaji prajapati
Loan number: [protected]
Mobile no.[protected]
My loan closed on dated:-28/06/18
My mail id - [protected]@gmail.com
Please sent mail on said id, i cant recieved "noc letter" of above loan number, i cant recieved other mobile loan noc letter last 1.5 years a go, please sent me also mobile loan noc letter.
Thanks,
Tushar p. Prajapati

Dear Sir, / Madam,

My self Vivek Malhotra having loan account no./[protected]
sir I had cloed mine account and having NOC from your self ..

Again iam seeing mine CIBIL that it was shown " Written Off Settled"..due to mwhich no bank is giving loan to me, firstly I GOT harassed by a person who snatched mine bike and now you (Home credit ) Financer, Which I give full n final paymnets due to mine reputataion,...

Last year, I had purchased a mobile phone with loan no. [protected].Due to financial factors I was unable to pay off them on time.Yet, after sometime I cleared all my dues and received a Non-Dues Certificate.
Now the problem is that after paying all the dues, still the CIBIL report creates problem for me in other financial tasks.

Now, please help me out.

My mobile number is [protected] you can check my loan number with that... I have took a loan from homecredit of amount 150, 000 and because of some business losses i was unable to payback the loan after 90, 000+ of payments to them... I have many bad days they did not reached me since many days but suddenly now recovery agents from homecredit are calling me and being very abusive and they are threatening me that they will come to my home and they will insult me... They are also giving me bad very bad hindi gaaliyaan gandi wali... They are telling me that they will beat me etc etc... However since starting i am saying that i did not get a call in between and i have to pay many people and i am paying to everyone with my job you did not follow me up thats the reason i also did not.. And because of my business loss i am in a job right now i wont be able to pay the intrest on which they are agree... But they want me to pay the balance 60, 000 inr in 3 monthly installments however i have told them that my salary right now is 14500 only and after my conveyance and everything i am unable to pay 20, 000 a month... But they are keep harassing me again and again... I am mentally very much depressed right now... I am in a depression and whole day only those things just roam around my mind.. As my family is there in delhi and i am not in delhi... I have no option left but just suicide as i cannot see my family to be torched by them... I dont even have an insurance... This is the last request i can do with you... That i want to repay the loan but i cannot pay the intrest also i can pay only max 5000 inr per month for that only... Or i have no choice apart from suicide as there is no way a person can pay 20, 000 inr month when he is earning 14500 inr... Mr shushant (Recovery agent) is giving me.. If i will die the only reason will be mr sushant and home credit itself... I know my rights and i will also file a complaint in consumer court as the kind of abusing language he was using... For me and my family i feel so guilty... He said that he know goons in my local area and he is a goon himself and he will drag my family members and beat them in front of everybody... And harass them... He is keep saying that they will soon visit my home... I live out of delhi and my old father, mother and my wife live there... I am in a very very serious dpression i have no idea what to do.. I have a high blood pressure and my head is about to blast... I am just controlling myself... I cannot let this happen... The only solution i can think right now is suicide as it will inform media about you... I am sending the copy of this letter to all the other govt departments as well and also to media agencies... Please make mode of communication email only for futher communication... I know my right and i dont want any calls from you.. You are a service provider and you are responsible for your profit an losses you can forcefully do this... Before die i will do my best to get your company shut.

Thanks

Myself abhishek kumar singh i want to be complaint your employee who worked tele phone point ratañlal nagar kanpur i go to take a mobile by finance but your did not check my i'd for approval and do my insult and take my photo send to group of home credit do the failed my cibil i want to take the action.. Sir ji agar mera finance nahi karna that to mana kar dete par mer insult karne ki wa photo khicahne ke kya jarurat thi janki maine kabhi bhi koi mobile finance nahi karwaya hai

Deduction of rs.1505/- plese my lone refand my a/c reference number: [protected] and my line id.[protected] this id full pament by monthly pament and plese my refaned rs.1505 by a/c no.
name-chad
a/c no.[protected]
Plese refand this a/c
and my lone id.[protected]
I pay rs.1505 id and this id lone monthly pament totaly finisd
six month lone

Dear homecredit concerned team,

Pos name - pacetel systems

Pos - vijay. Soni1027451

Registered mobile number - [protected]

Homer - vijay soni

Two contracts got cancelled-

Contract number 1 - [protected] (Rafiqul ali)

Contract number 2 - [protected] (Pratap yadav)

These two contracts were having some errors in documentation and required to be submitted correct documents. And we already provided corrected documents to homecredit team-

Mr. Ashish jaiswal (Dsm)
Mr. Alok (Sa)

After providing documents the file was pending for a very long time due to which it went to cancellation.

After asking many times they were unable to provide pod for documents.

And asking many times to homecredit team they kept saying we have dispatched documents and it will be active soon.

And mr. Rafiqul contract number - [protected] has already deposited his first emi & he is still getting phone calls from homecredit regarding deposit of emi. They are saying that they have not received emi amount but the customer have all the proofs of amount being deducted and deposited to homecredit.
Kindly do the needful.

Thanks & regards.

Sir
I have made a loan payment of 2180 on 5 july 2018 through paytm. But continuously home credit is calling me for payment. I have told them about the payment receipt. My payment was successful through paytm. I have contacted paytm too about this. They are confirming things from their part. They are effecting cibil record. Kindly look into the matter. Now they are imposing fine on me. My loan no is [protected]

I request for foreclosure at the beginning of my 8th emi starting itself.then y I have to pay interest for that emi. 10 days before itself I call customer care they told before 15 days u request to foreclosures.no interest will come ..At the time of applying they told at the time foreclosures u have to Pay only total principle outstanding only .No interest, no prepayment penalty charge .Last week I got mail from home credit to pay 120152 for foreclosure. Before making inform to customer care they said but I call customer care they r telling to pay 125000.. they r cheating customer ..And misbehaving.. I had attached a screenshot received for foreclosures amount... Till now no call I received from. Home credit ..

Hi this is in regards to mis leading done from your. Company end i was told from your department after availing services you pay 750 for each account and we will improve score.

This was not inform me that you are just pulling information from bank and credit card dept.
That we also know how to get details
Here i am cheated and made payment of to you company.

I don't want any service i need my money back i will wait for 1 day after that will escalate the matter to consumer forum

Regards
Dilshad...

Am deepa ramaswamy devendra i get a call from prianka who offer me a loan, than i applied personal loan today 21 july 2018 amt of rs.80000.00. My contract number [protected] [protected] customer id. [protected]

But now i wish to cancel this application beacause of higher rate of interest of 37.68%.

I called to customer care and team leader dheeraj who told me to email my problem, i am attaching my application copy in attachment.

So please look into my matter and cancel my application.