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Consumercomplaints.in › home credit india finance › home credit india finance — 15000 rs extra charge on forclosure of my loan [protected]

Home credit india finance — 15000 rs extra charge on forclosure of my loan [protected]



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De

deep ja on aug 22, 2017

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Hiii my loan id is [protected]
Name deepak jain
Mailid [protected]@gmail.com
Num 9529*89

Homecredit se loan k liye call aaya tha i said no to executive but usne kaha tha ki 6mnth me loan forclose karne pe koi intrest nahi lagega but mujhe abhi 15000 jyada bharne k liye bol rahe aur proof mang rahe hai pls help me out otherwise mai ab ek bhi emi pay nahi karunga maine use kaha bhi tha ki mujhe loan nahi chahiye but usne kaha le lo sir 6mahine bad o% intrest k sath pay kar dena... Nt sb bol rhe h 5% ke sath pay karo
As per my calculation n int base

My loan num [protected]

I want to close my acc ... I paid 6 month emi...

As per term 25.53% yearly int charge on 134000 rs...

In one month emi 134000×25.53%×1÷12=2851 rs int part

N balcing amt 4466 principal amt

So i paid 4466×6=26796 principal amt in total loan amt rs 134000

So balacing principal amt is 107400rs... As per law of interest...

Bt ur exective say 121000 sumthing amt depsoit for loan close..

Asap reply me...

Deepak jain

9529*89

Hiii my loan id is [protected]
Name deepak jain
Mailid [protected]@gmail.com
Num 9529*89

Homecredit se loan k liye call aaya tha i said no to executive but usne kaha tha ki 6mnth me loan forclose karne pe koi intrest nahi lagega but mujhe abhi 15000 jyada bharne k liye bol rahe aur proof mang rahe hai pls help me out otherwise mai ab ek bhi emi pay nahi karunga maine use kaha bhi tha ki mujhe loan nahi chahiye but usne kaha le lo sir 6mahine bad o% intrest k sath pay kar dena... Nt sb bol rhe h 5% ke sath pay karo
As per my calculation n int base

My loan num [protected]

I want to close my acc ... I paid 6 month emi...

As per term 25.53% yearly int charge on 134000 rs...

In one month emi 134000×25.53%×1÷12=2851 rs int part

N balcing amt 4466 principal amt

So i paid 4466×6=26796 principal amt in total loan amt rs 134000

So balacing principal amt is 10704 rs... As per law of interest...

Bt ur exective say 121000 sumthing amt depsoit for loan close..

Asap reply me...

Deepak jain

9529*89

Hii my loan id is [protected]

Homecredit se loan k liye call aaya tha i said no to executive but usne kaha tha ki 6mnth me loan forclose karne pe koi intrest nahi lagega but mujhe abhi 15000 jyda bharne k liye bol rahe aur proof mang rahe hai pls help me out otherwise mai ab ek bhi emi pay nahi karunga maine use kaha bhi tha ki mujhe loan nahi chahiye but usne kaha le lo sir 6 mahine bad o% intrest k sath pay kar dena bt ab 5% roi ke sath bol rhe h...

My loan num [protected]

I want to close my acc ... I paid 6 month emi...

As per term 25.53% yearly int charge on 134000 rs...

In one month emi 134000×25.53%×1÷12=2851 rs int part

N balcing amt 4466 principal amt

So i paid 4466×6=26796 principal amt in total loan amt rs 134000

So balacing principal amt is 10704 rs... As per law of interest...

Bt ur exective say 121000 sumthing amt depsoit for loan close..

Asap reply me...

Deepak jain

[protected]

Dear sir,
The first emi payment was deducted on 11 th july 2017 and my whole loan payment was settled on 10 th july 2017 with interest. The details of my loan :
Loan no.[protected].
The customer complaint redressal desk was replied as that the payment which was deducted as excess will be refubded with 5 working days but the payment was not recieved even after 1 month from the response date.

I have purchased a mobile phone vivo y51l from home credit on december 2016. I choose the payment mode as emi for 6 months. My all emis cleared on 10th june 2017. But they do not provided noc after completing loan.
I request you to help me for getting noc from homecredit.

Deepti verma
Loan no./ contract id [protected]
Email id [protected]@gmail.com
Mob. No. [protected]

I have been receiving hundreads of calls regarding some loan taken by someone who i know. I am a busy person and i am receiving these many calls and it is frustating. I have not given any confirmation that if he doesnt pay any loan amount they can call me and harass me.

Kindly contact through mail for further discussion. My mail id is venky.[protected]@gmail.com and contact num where iam getting calls is on [protected], [protected], [protected].

माननीय महोदय,

मेने होम क्रेडिट कम्पनी से लोन लेके एक मोबाइल फोन खरीदी किया था जिसका emi में समय पर कर रहा था मेने मेरा आखरी emi जो की ११-अगस्त -२०१७ को था वो मेने ७-अगस्त-२०१७ को ही डायरेक्ट ऑनलाइन पेड किया था फिर भी उस के बाद लोन कम्पनी से ECS ट्रान्सफर के लिए मेरे बैंक अकाउंट में रिक्वेस्ट आई जिस में बल्लेंस ना होने के कारन बैंक ने मुझे फाइन लगाया हे और मेरा अकाउंट अब डिफाल्टर लग रहा हे.

मुझे आप से सहायता चाहिए जिस से मेरा अकाउंट डिफाल्टर ना लगे

मेरा लोन अकाउंट न.:-[protected]

Dear sir

I have applied loan from home credit india in mini cash loan for 10000 on 3rd of august it has appoved and got mail that i will got money in 24 hrs still not updatd in my bank account when i call helpline number they say u will have to do mail i have done mail for but not got any revert please look into the matted
Contract no [protected]
Cuid no 3182552
Mob no [protected]

This is the same case happened to me, i had took a loan amount of rs 1.80k vide loan account no [protected] and paid 11 montly emi's of rs 8288 (Rs 91, 168/-). Today i made a call to their customer complaint for closure of my account.

They told me to pay 1.60k for closure of account, they guys are out of the minds because when i paid 11 emi' where is my 91, 168/- amount which i paid earlier?

1 home credit is saying i have paid nothing till date and amount which i paid rs 91, 168/- is only a interest charges?
2 as per your agreement and rbi guidelines if someone foreclose his/ her account no foreclosure charges has to pay to the financier.

This is my hard earned and you guys are looting and cheating your customers

I am waiting for your call for proper information with regards to my account and settlement amount.
Reply

Sir, am ruksana from mysore, karnataka. As i had applied for mobile loan today. But my application is rejected. Already six months back also the same result. So my humble request you to inform the reason for my application rejected. Even in february also i applied. But my application is rejected. As i am state government employee this is disgraceful for me. Please help me out at earliest.

Last month, i purchase a mi-4 32gb mobile phone and also insured by amtrust mobile solution insurance company.

On july 31st, 2017 my mobile phone was slipped from my hand and get in the bucket of water. After that my mobile is not working.

Next day i contacted to the insurance company to file a claim on it, i sent all the needed document same day by an email but i've heard from insurance company yet.

Its my humble reqyest to you to please take action on it.

I contacted multiple times in a day but not received any single response.

Please look into this matter as soon as possible.

I'm looking forward to hearing from you soon.

Thanks and regards,
Ankit kumar tiwari
[protected]

Dear customer team,

I would like to inform you that yesterday i applied for a mini cash loan

Loan account no. ([protected])
Prakash kumar ojha

My loan was approved and sanctioned and in home credit app my due date showing means emi calculated from today.. And i have to pay interest from today.

So kindly credit loan amount in my bank account..

Thanks & regards
Prakash kumar ojha
[protected]

I have no my loan no

I have 2 home credit loan
1 bike loan
2 mobile loan

But i have no loan number

Please send me my 2 loan number

[protected]@gmail.com
Mobile number [protected]
I have no any sms from home credit loan
I have no loan statements
Please send me a loan number
In my mobile number fast
And i m your regular costumer
So send me a loan number

Dear Sir,

I have take a loan from Home credit India, (Contract ID :[protected] and today[protected] is the the due date . While making payment for my monthly installment, an error screen will appear"contract number doesn't exist. Please enter valid contract number". Many times I tried, but same result. I have attached the screen shot with this. Kindly find it. a late fine will generate from tomorrow onwards.

Regards,

Sreenath

Dear Customer team,

I would like to inform you that i applied today for a mini cash loan

Loan account no. ([protected])

My loan was approved and sanctioned and in home credit app my due date showing means emi calculated from today..and i have to pay interest from today.

So kindly credit loan amount in my bank account..

Thanks & Regards
Prakash kumar ojha

I have taken loan from home credit against mobile phone oppo a37f, with contract number= [protected]. My emi due date is 25th to 1st of every month, my salary is credit to my account with sbi bank 1st of every month. So i pay emi thorugh home credit app online with my debit card. For the emi which was due on 1st of august i paid through online as before but after that they deducted emi from my account even i paid on the due date. They deducted double amount. Pleasw refund my amount as soon as possible this is affecting my other bank transactions. Please do the needful
Thanks and regards
Gurinder singh

I had taken loan for vivo mobile phone in january 2017 from big boss mobile shop because of some difficulties i not paid my last monthly emi but for that i made call in home credit finance for saying that i will pay this emi in next month with emi bouncing charges, but still they are calling me and saying such a wrong things and also one person called to my mom today with gave number of warnings and said that he will send me legal notice for this due payment and all...
It is so much wrong thing by which your executive harassing the customer. I hope the company will resolve the matter earlier and will keep good relationship with the customer.

Loan number - [protected]
Customer id - 2877149
Emi - rs.2114

I had taken loan for mobile, i had payed my last emi rs 2114. On 30th june 2017 through paytm.

(Paytm ref no. 355jypaytm), also i got receipt of payment from home credit.

Now the problem is "my payment has not been updated in home credit system and i am continuously getting payment reminder call from home credit customer care center".
Continuous call from home credit executive is harassing me a lot, although i have paid my emi.

Kindly resolve it by updating your system.

Anita pramod dwivedi

I have caused inconvenience due to your technical issues i dont know why you deducted my ecs return charges in vain and after consulting with your executives on call they didn't able to understand and couldn't able to solve my issue i think they are incoperative or weak trained trainees hasn't have well skills to understand the situation. After having long chats with your executives i have wasted my time without any satisfaction and my time goes in vain, i don't know how you would do that but i want my wave off charges which were deducted by you as ecs refund charges, what the hell who do that to their customer, if you are continuing to do this to customer you are not going to be longer in the market and i'm not satisfied with your bloody poor services and i'm also attaching statement slip as proof so that you can't make me fool with your bloody reasons called "proof".. Otherwise i will complain to your senior officials.

Hello,

I want to let you know that i have paid the total loan amount 64550/- to hcin[protected] on 12- 13 july 2017 through neft but i haven't received payment received notification and costumer care told me that they have not received the payment till now?

Here is reference number:

1. Reference number - n[protected] - 50000/- 12 july 2017

2. Reference number - n[protected] - 14550/- 13 july 2017

My loan num - [protected]

Also i have sent two email to [protected]@homecredit.co.in for this but not received any response till now?

I am are waiting for your reply.