Home Credit India Finance Complaints & Reviews

Dear sir/madam,

I am anil vishawakarma, and my hdfc credit card account shows suspended due to non-payment of emis since last 2 months as i was on medical treatment. I promise that i will not delay any of my payment in future. Its a humble request to you all that please make my account active as i am in need of this card very urgently and for my future purpose as well. Because recently i got married as well. Kindly please take my request on higher priority asap please help!!!

Thanking you!

Registered mail id: anil.[protected]@gmail.com
Customer id: 73797578
Registered mobile number: [protected]

Home Credit India Finance — Fraud of chor company home credit india


I have taken a personal loan from "Home Credit India" on feb 2018. They have provided me with a personal loan of eighty thousand rupees (Rs.80, 000/- received after documentation fee).
Their interest rate was too much high than the market rate but since I was need of money so I agreed to pay 40.01% per annum (3.33% every month). I took this loan for 30 months.

Also I have told the sales executive that rate of interest is too high, Can I foreclose the account anytime ?

Their Salesman (Over the Phone) said you can foreclose the account only after 6 months and their will be no extra charges to close the account permanently.

I agreed over the phone then I do have my documents which was already with them because I was the existing customer too.

I agreed to pay Rs. 5339/- every Month and the loan sanction to me for 30 months (Duration) but I was told that I can foreclose it after 6 months.

After when I contacted them on the 7 Month (September 2018) when I asked them that how much is the balance due own me so I can permanently close this account and the executive over the phone said Rs. 74117/-, after that I was like what ?
Till that time I have paid them nearly rs. 37373/- but still they were asking me to pay 74117/- I have ask them about the calculation many times but every time they said it's a computer generated amount and did not explained the full calculation.

I am very disappointed now.

Kindly help me please because they are charging very high interest rate and not telling me the the real calculation of foreclose account.

But they are telling me to pay Rs. 74117/- to close my account. I am planning to go in consumer court for this fraud because I am so much frustrated and disappointed kindly help me please.

Thanks and Regards
Niharika lenka.

I applied a online loan of 50k instead of 50k it activated 1k due to their technical problem. Since 27th august i'm feed up with them. No solution number of emails i sent. Loan number [protected]. Worst customer care service. After reading all reviews not only me every one is suffering with home credit. Take necessary action. I took three loans repaid on time but no use. I think it's not instant loan it is pay day loan. If we apply we get loan after one year

Dear sir/madam,

I anas, i get a call from mr saud who offer me a loan, than i applied personal loan today 15th september 2018 amt of rs.80000.00. My contract number [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 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

Dear
Sir

I have applied for a loan in your company as detailed given below. On that time my loan was sanctioned but due to some reason that loan was canceled.
After this i have paid the sum amount to that dealer for a oppo mobile phone.
Since that time to till today my account is active.

There i am requesting please close my account.

I have checked my details on paisabazaar apps the loan account is still remain active..

Thanking you.

Subhash ghising giri

Email: [protected]@gmail.com
Contact number: [protected]

Hi indian consumer forum.

My hdfc salary account no [protected] has been locked by hdfc creadit card division. All my accounts funds goes on hold. I am not able to do any transaction.

I called lot of times to credit card division of hdfc bank, but they are not responding & not gave me right information. They are misguide me.

I am getting in problem for my daily transaction.

Please help me regarding release my funds, which is hold by hdfc credit card cell.

Hi, this is zara khalil khan from mira road.. Contract i'd [protected]
This complaint is regard to executive mr kiran sutar executive of home credit.
Mr kiran sutar had been visited our home for due payment.. And had been given information for due payment of home credit...
Mr kiran sutar had informed us about the closure of contract no. [protected] of which closure amount was rs 19000 but he had given a deal which he considered final payment will be 15000 and the loan will be closed and noc letter will be given within 15 days regarding this closure amount, instead of paying emi of rs 1152 every month..., but after two weeks we getting the information from the home credit agency person... That the due payment we need to pay extra 15000 plus... The total amount which we need to pay is about rs 31000 which mr sutar didn't informed about... I want strict action against him and want noc letter regarding my 15000 closure which i have paid to mr kiran sutar.
Due to this it has impacted on our noc letter and decreased the chance of future loan.
Kindly see below the bill.

The service was not good. When i took a loan to buy a mobile handset.. I was said that a small amount will be deducted at the last installment, which didnt. Now they are not refunding my amount.. Cheaters... They are calling me to buy the insurance but not talking about the refund...
When asked, they said i should have called them, but my dad's amount got refunded.. What about mine then...
Cheaters cheaters...
I dont recommend anyone to get a loan from here...

I have been trying to apply for the instant cash loan of 35k amount in home credit .While I have reached 6th stage but I wish to reset the loan amount to 15k but it was not possible to get back to previous stage . Please suggest me what to do . .I was in very need . Please tell me the solution. Whether it could be possible to reset the loan amount . .It will be helpful to many o[censored]s .Please tell me the solution

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

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.