Home Credit India Finance Complaints & Reviews

Name - harsha lakhani
Application no. - [protected]
Phone no. -[protected]
Email - [protected]@gmail.com

My complaint is that my credit score is not improving inspite of many trials like submitting emi's at time. So please improve my civil score so that i can be able to buy my fav's at regular interval of emi's.

Please improve my credit or civil score

I have taken personal loan of 70, 000 from home credit. I feel that intrest rate is too high. It is around 44 percent per annual. Which is too higher than other banks. I have to repay total 1, 30, 000 for 70, 000 loan which is near to double. I advise to others that never take any personal loan from home credit. Their loan intrest charge is too high. It is more than credit card intrest rate.

Dear sir,

It is submitted that i got a call from home credit india in the month of may 2017, i which i was offered by their representative for a pre-approved mini cash loan upto rs.176000/- which i accepted during the call and got a mini cash loan of rs. 176000/- vide loan contract no. = [protected]

Till february 2018, i am regularly paying emi and also have been paid 9 emi with any delay.

Now i want to return the entire outstanding principal amount of my loan in one time.

But i am not agreed with the outstanding principal amount which is being told by home credit customer care representative as outstanding principal amount is being seems in excess of rs. 21737/- as per calculations.

Even, your system is not able to provide me loan statement of said contact no.

So, you are requested to look into the matter and resolve it at the earliest so that i will be able to return the outstanding principal amount.

Hey my name is amrinder singh, i finance a mobile phone home credit in year of 2012 its actual cost is 13000 but from home credit it ganna cost me around 18000. After that when i paid my last emi to an agent he said that this is the last emi that you are paying but i m not aware about noc on that time... But after some years suddenly i m checking my credit score it shows that around 5000 (Five thousand rupees) is still due for the same and my credit score is too low. Never receive any noc through mail or post. Please resolve as soon as possible because i m not able to do anything with low credit score...

I bought a mobile through your loan but even before the due date of 1st instalment my loan was rejected on the grounds of difference in signature. the shop from which i bought the handset is also closed may be for forever. what should i do now? will it attract legal proceedings against me? how do i reschedule my loan again? please guide me through so i can avoid any problems.

Dear sir/mam, i am DILIP M V im submitted application for mini cash [protected]@10000/- dated in 02/03/2018 FRIday and my contract no. Is [[protected]]but still not disbusment AMOUNT. Please disbused my loan amount @10000/- today i request you andpleaseinform me shortly very urjent im waiting your reply and please call back and disbursed loan amount today DILIP M V[[protected]]

Dear sir,
My name is yati maheshwari i bought one mobile phone from in vaishali gzb aditya mall
From the home credit finance loan no. [protected]
My total amount is cleared from my account in august 2017 but till yet my cibil score it's not updated and also i'm not getting any email noc copy in my email id
Registerd email id maheshwari. [protected]@gmail.com

Hi
Contract no [protected] disburse amount has been created loan has been approved on 16feb and it supposed disbursed on the very next day 17feb but till date it has not been not done yet and when I am checking status of the application its showing. My profile is active and payment due date is 18-3-18 is it joking your doing guys I can't understand why you commit for transfer money into account with in 10 mins disgusting.

This is bhushan kale and my uan detail is mention in below attachment i have received the massege from epf that on 12/02/2018 that you pf is apprval and will tranfer soon to your your provided bank account but still i did not received it and iwas applied it on 25/01/2018 its too let now why it taking more time to transfer in my bank account hope will get it soon

I took 40000 rupees loan 2 years back from home credit finance my contractor id is [protected] i have been trying to contact with home credit i am asking my foreclosure amount by dialling the toll free customer care but no one is helping me no 1 is telling me about my foreclosure amount cds before i received a call from there customer care from mumbai are they told me to that they told me that they will waive off my late payment charges but by now i have been receiving their calls to deposit late payment charges on the other hand i want to 4 close this loan but no one is telling me for close amount i have food audio records call they are just cheating with me this is very ridiculous company no no one told me my foreclosure amount buy now they told me to deposit january months emi i deposited they promised to tell my foreclosure amount but they didn't fulfill their promise diya keep on harrassing me by calling again and again i am wishing to close my loan but they don't wish to close my loan

I have recently taken a new mobile number and i am getting continuous calls. They are trying to reach someone called madhu, madhav and continuously harassing us 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 feb'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.

Dear team, // serious concern // reference mail copy attached with contact no. I am raising a complain due to telephone call harassment on daily basis 2 to 5 calls daily. I have also contacted to toll free no [protected] mentioned on web http://homecredit.co.in and mailed to [protected]@homecredit.co.in for stop call me/harassing but story remain same. My concern:- i am receiving unwanted calls approx 2 to 5 times on daily basis even on sunday from your company (Home credit) with different different numbers. As per your executive on daily calls "gurpreet singh have mentioned my contact no as friend", however i do not know him personally he is my friends friend, i have already requested to your executive that please remove my mobile number from your database but they do not do any thing and warned that you will receive daily call the statement like "kar lo jo krna hai call toh aaegi" i have recorded this clip on my multimedia phone. Requesting you to please remove my m. No from your database and do not call their behaviour is very rude when they talk to me. Please help us from getting disturbed and harassed, it will be a great help to have our peace of mind!

I am Mukesh Kumar Singh my loan no - [protected].
Loan finishing date[protected] but my noc letter not recieved by post or by mail.
Please provide my noc letter urgent requared me.

MUKESH KUMAR SINGH
LOAN NO - [protected]
VEH. NO. - DL7SCA7693
MOB. NO. - [protected]
EMAIL ID - RAJ.MUKESH.[protected]@GAMIL.COM
ADD. - CN -180, NEAR PIPAL CHOCK, HARIJAN BASTI, DALLUPURA, EAST DELHI, NEW DELHI - 110096

Please solve my critical two custumer critical is not solved 1 month later i am send to critical in three time but critical is not solved please help me solved my critical custumer contract id =[protected] and second custumer contractid =[protected] please kindly help me
Thank you
Pos name = fiza traders
Sa id = mohd. Khan1012597
City = bhopal

Hi it's rinku, i want to draw your kind attention towards my problem. The problem is that a sum of rupees 1289.50 had been deducted in my bank from home credit dated on 09/10/17. I've already show my concern to the home credit executive as well as my bank manger. Home credit were saying to me your amount will refund when you'll write email to us. The bank said to me home credit didn't stop it's service after completing your all installment including file charges and hidden charges. And their executive were taking benefit of you by cheque bounce of every month and i told them if you deposit my bank's cheque so plz informed me first before depositing in the bank but they didn't do like this because of their benefit purpose. Every month they are charging between around 300 and 500 rupee. And now home credit has deducted sum of rupee around 3000. From bank till date 10/02/2018,

Even i have already sent message to them of deduction but they said we didn't receive any amount from you.
I hope you will take an action against home credit as soon as possible.
I want to refund my money asap.
I'm sending you screen shot...
I'm looking forward...
Bank : sbi in touch
Branch : janak puri c-1
A/c number : [protected]
Loan number : [protected]
R. Mobile. : [protected]
Name : rinku

Regards,
Rinku

My loan account number [protected]..
My name is deepa bhattacharya i paid my loans on time i am just left with last two emi's due to my medical and my mother was also in hospital thats why i missed your emi's... I used to get 20 to 25 call in a day moreover today you agent name vijay visited at my place he misbehaved with my mother used unprofessional language with his ph number is ([protected]). I called him today 8 feb 2018 at 6 pm same way he behaved with highly rude to me i told him my situation i also advised i can pay till this month end he denied.. He put me on confrenes call with his boss sanjay he was also forcing me to pay the amount within two days i was very cleared to them not able to pay til my salary date he denied and said (Jb aukaad nai hai to kyu lete ho loan).. Very unprofessional language

I request you guys to take action regarding the same and need time to pay till this month end
Thank you

Deepa bhattacharya ([protected])

Hi.
I have taken loan of rs 150, 000 in august 2017 on flat interest of 26.7% as mentioned on loan summary. My loan a/c no. Is [protected]. My emi is 6908/. And i have paid 6 installments till now (6908x6 =41, 448). I want to close the loan as i realised that the interest rate is not 26.7 but something approx 42%. I contacted the customer care and i received an information that i have to pay 144, 200 as per reducing method. Upon asking...

I was taken personal lone from home credit india finance
13 month before. He promise me the interest rate 30.54% in personal lone.

My monthly emi date is 2nd of every month.

Lone amount was 1, 16, 000/- for 3 year.

Monthly emi amount is 6174/-

I paid 13 emi till now (6174*13=80262).

According to interest rate (30.54%) annual in interest should be 35427/-
And monthly interest should be 2952/-

If i will pay 36 emi than i need to pay interest[protected].54%) of principle amount of 116000/-
Total — 116000+106279= 222479/-

But
Now i want to close my lone i want to pay all amount.

According to interest rate i need to pay interest of 30.54% (13 month)
Which should be — 35426 (12 month) +2952 (One month) = 38378

My principle is 116000
Interest should be 38378

Total amount — 116000+38378=154378

In this amount i already pay[protected]*13) which is 13 emi

I should pay —[protected]=74116 (For close my balance)
They are saying for closing charge is 5% of remaining amount

I am ok with it

But problem is that

They are saying to pay the amount 95005/- to close my personal lone

I already pay 80262 they are saying to pay 95005 more

Total is about 95005+80262= 175267 (Which is much more than 30.54%)

I always listen and read about if i will close my emi before the time i will get benefit

But here i am not getting any benefit even thay are asking much more the 30.54% of interest

I should pay 38378/- interest of 13 month (Which is 30.54%)
They are saying to pay 59267/- interest of 13 month (Which is 51% near)\

If i am not getting any benefit that's ok but at least i should not pay the interest of (51%) which is very scary

When i called the customer care they 95005 is system generated amount
They are not explaining why 95005/-
Or they are saying to pay the emi on monthly basis (But i want to close my lone account interest rate is to high)

What i want mention below
1-
80267+95005 =175267 /- (51% they are asking to pay) of 13 month i don't want to pay this amount
2-

116000 (Principle) +38378 (Interest of 30.54%) +5% of closing charge= 154378 (I want to pay according to rule)

In this amount i already pay 80267 (Which i already mention above)
For more information please contact

Thank you

Myself vivek malhotra, having some issues regarding yours technical support.. Some bloody dheeraj has used mine number... And he is just a bloody # and doing sever wage work and plumber work in our society

Myself is a reputed resident in mine society and he has taken loan from yourself and how could you harras me over phone for his loan transactions
Firstly i would be likely tell you that i would be responsible for mine own transactions and i would not be responsible for any bloody dheeraj.. And if personally request you to call and damage him. Or mark him whatsoever be you...

Hello sir i have applied for personal loan on 29 jan after that i got some family problem so i called to customer care and told that i want cancle the loan as i have not signed any document but its showing signed after that i call 10 time to customer in 4 days but no responce from them they said the person who have filled ur from is not in office or either busy please help me to cancle my loan . My loan no is[protected] and also no amount received in bank acc