Home Credit India Finance Complaints & Reviews

I had became a victim of home credit personal loan fraud. This company takes a very high intrest rate. And even if you want to foreclosure the loan. They demand very high outstanding amount. I calculated in calculator that how much intrest they taking, i came to know that they take above 35 percent intrest rate. If your actual intrest rate is above 35 percent, why wrote. Wrong intrest rate in loan summary
.in loan summary home crdit write intrest rate from 20 to 30 percent but in actual they take minimum 35 percent to 45 percent intrest rate. Customer support agent also dont know that how intrest is calculated, they just reply common answer that it's a system generated amount and they don't know that how intrest calculated. There are many complaints on home credit regarding intrest rate. So it is proved that it's a fraud company.

Hello,
I have applied for instant cash loan of 50000 but i am facing problem in final stage submission from many days. I also tried from different devices as well as browsers but nothing helps. Everytime its only showing "we are processing your request please wait". I also mailed with screenshots to [protected]@homecredit.co.in 2 days back but they didnt replied. Please resolve this issue instantly and don't say mail them again on [protected]@homecredit

Am an existing customer with the loan a/c No. [protected], which i have closed last week 3 months earlier as it was suppose to complete by August 2018 thinking that i can close this account and apply for new loan as i got some money with me.

When i have closed my loan account and same day i Tried to apply for the new loan i as not able to apply online as at 1st step only i was getting error as web page struck and loading a lot displaying as possesing . then again i tried may times but no response near about 50-60 times i tried with multiple OTP . Then i called many times to customer care, they suggested to send the screenshot of page error at [protected]@homecredit.co.in and [protected]@homecredit.co.in, which i have done thrice but no response . I waited last 4 days . Again i called up and asked about the reply to customer care then they are saying like there is no complaint registered .

today again i have called customer care and pathetic reply receieved that he dont know anything and cant help out and again took complaint (Mr. Kiran) . by keeping online to mr. Kiran i filled application ... after entering adhaar card i got to 2 step where i have been asked for filling mother first name etc., i have filled all as per aadhaar after complition of filling am unable to click on Correct red button its not allowing but the same am able to click on Incorrect black button... dont know whats going on... request you to take this on priority and do the needful...

I had taken personal loan from home credit on 22 percent intrest rate.After paid a 11 EMI, i asked a outStanding amount to customer care.they said my outstanding amount is 63097. which iS too high .i allready paid more than 30, 000 and they just deduct 7000 from 30, 000. Means they taken a 23000 As a intrest. when I calculated in EMI calculator app, i came to know that actual intrest rate is above 40 percent .why you wrote wrong intrest rate in Loan summary. and while taking loan, your agent didn't tell that home credit takes a above 40 percent intrest rate.if i knew real intrest rate while applying a loan, i would never applied a loan from home credit . I had decided for never take any type of loan from home credit in future.

I had taken personal loan of 70, 000 on intrest rate of 22 percent.i had already paid a 11 EMI.now i want to close the loan so I asked for outstanding amount to customer care.i got shocked to hear that my outstanding amount is 63, 097 now.i allready paid a 30, 000 for 70, 000 loan and after paid 11 emi they said my out standing amount is 63097. i calculated a intrest rate .then I came to know that home credit taking 36 percent intrest rate instead of 22 percent intrest rate. i am doing a job with a low salary and home credit takes a very high intrest rate .i had decided for never take any type of loan from home credit .i feel that home credit had done the fraud with me.

Hello. i had taken a personal loan from home credit .in my loan summary intrest rate is shown as 22 percent.but when I checked in calculator I came to know that actual intrest rate is above 35 percent which is too high than any bank.Bank gives on loan on intrest rate from 11 percent to 20 percent .while home credit takes 35 percent intrest rate. I feel intrest rate is too high as compared to intrest rate of bank.i have decided to close home credit personal loan .

Respected sir, i am raj kumar, house no. 54/4, attawa, sector 42, chandigarh. My loan amount 1, 45, 000 is approved on 16th april 2018. My loan number is [protected], but till the date amount is not credit in my account. After the week i make a call and talk to your customer axecutive named vanita gupta about that but she doesnt resolve the problem, please clearify me if you cant provide me loan or i am not elliagle for it. So i requested to you plz resolved the problem as soon as possible.
Thanks

Regards

Hello,

I have been trying to access the process after entering the UPI ID but every time after entering the ID I'am getting an error in a pop-up box that my loan application has been cancelled on my request. So please rectify this problem as soon as possible. Also when I was trying to get to the second stage a pop-up box appeared saying, " dear customer, your application cannot be processed right now, please do again after...

Dear sir,

This is in reference to your concern registered with home credit india.

Kindly share your loan number [protected] or registered mobile number [protected] that we can assist you with your concern. You can refer to your loan documents i. E. Loan summary / repayment guidelines.
Transaction id ecom 105413 payi home credit india
Plz rev my extra emi...

For any further help, please contact us.
Regards,
Akash kumar

I have tried from past 4 days to apply for a online loan from your website. But each time after i updated my adhaar details when i click correct button, it shows one popup box "dear customer, your application cannot be processed right now, please do again after sometime". I think this would be a website problem. I mailed to them but didnt get any proper answer. When people in need of emergency, i dont know how this would be helpful..

I am old customer of @homecredit, from last 2-3 weeks i am trying to process instant loan of home credit, but it is not happening, and the service from the customer is very poor they are not solving my problem & not replying to my mails, i have urgent requirement for the loan and how much do you mail no answer to repply bad customer service of home credit???

Hello,
I have applied for instant cash loan of 50000 but i am facing problem in final stage submission from many days. I also tried from different devices as well as browsers but nothing helps. Everytime its only showing "we are processing your request please wait". I also mailed with screenshots to [protected]@homecredit.co.in 3 days back but they didnt replied. Please resolve this issue instantly and don't say mail them again on [protected]@homecredit.co.in

Reg mob no. [protected]

I have requested for the noc letter against the loan account no[protected]
I have been pursing them it for the past 10 days now. Since friday i was told thrice by their executives mr mani and mr jayant, mr aniket and a few more had told that the letter will be mailed in about an hour everytime but no traces of the mail has not been sent
I have requested for it due to some urgency but that has not been taken care of. This is highly disappointing.
Kindly take up this issue.

Contract - [protected]
My safe pay amount is rs.459/,
At the time of sanctioning loan, your
Loan boy told me you can take credit of rs.459/ in your bank account after two instalments, you adjust only rs.306/.

Secondly, loan boy was not well aware about safe pay terms and conditions, that means home credit didn't tell him. Home credit is a fraudential company

I am sumit kumar and my loan has completed 05-06 months ago but they are not sending on my mail. Id.

They are kidding and not giving my loan ndc.

And customer care executive is not ready to talk me and disconnect my call. They are indisposing me to take loan ndc. My loan details are given below:-

Loan no. [protected] (Moto mobile)
[protected] (Samsung mobile)

Both loans are completed successfully but thay are not send ndc on my register mail id.

I want To know what is process of complain against Home credit.
My Loan amount Was 1, 04, 000/-
Rate of intrest Was 19.62% annual flat
Total month = 42
Monthly installment = 4177/-
What is tha annual amount of interest is. ?????????
Because they deducted only interest 34000 rupees in years.
The Home credit customer says That this Is system generated amount. I suffered Now. I want To know please what is annual amount of intrest. Please give any complain address for That

I applied for loan on 2th apr 2018. I got loan approved for 50000. But still that amount not credited in to my bank account. But its showing due date. I called many times custmer care no solution. I sent mail to [protected]@homecredit.co.in with bank statement. But no solutions. My registred mobile number [protected]. And conract no.[protected]. Name kurpati bhargavaramulu.
Solve my problem as soon as posible.
If we pay one day late there ia showing penalty. This people delaying more then 7 days. What is the penalty for this companys. Am expireancing very bad with home credit.

Contract no-[protected],
Name - narvada prasad,
1st installment amount-1045-deducted on 07/11/2017-
Query: i have paid all 6 installment in cash and 6th installment was paid on 06.04.2018
An extra installment is deducted from my sbi bank a/c on 07/04/2018. Even after paying timely installment in cash, my bank a/c was used for ecs mandate and three ecs mandate failure charges of rs. 295/- deducted on 14.03.2018, 18.03.2018 and 12.04.2018 respectively. Kindly refund my installment (Rs. 1045/-) and extra charges (885/) deducted from my account.

Their process is completely incorrect.
Even by paying my due amount on the due date but it was thru different mode of payment. The cheque was hit on the next day and i got a bounce charge as i utilized that money for making the payment a day prior. On escalating this issue the cust satisfication was not considered and simply the answer was we can not help you. Where is customer service over here.

Please note for above loan number i had not availed has been wrongly linked to my cibil. I had sent a mail on 19.04.2018 but no response received from company. I had called to toll free number and spoke to couple of customer service staffs who assured to call back. I received call again and they initially claimed mail not received as it would be handled by different team and asked to provide my cibil report. I do not want to share my cibil report as it is personal and informed them to send an reply. Till now more than 18 hours after communication i am yet to receive any mail. This is poor response from your team. I have already shared my complete details and id proof which clearly shows that i am not the individual who has availed loan and my cibil needs to be delinked.

I am waiting for an update from your end or else i would be forced to put up-to ombudsman and escalate.

Awaiting an call from capital first.

Regards

Aswin r
[protected]