[Resolved]  Home Credit India Finance — cheating

Address:Chennai, Tamil Nadu, 600026
Website:www.homecredit.co.in

My name R DINESHKUMAR I have taken loan in home credit..My loan no [protected]..I took loan 129000.for 48 month emi at time of applying they told 24 % flat interest. But I m getting diminished rate of interest .. Interest itself I'm getting 4500 every month. So I called customer care they didn't respond properly.i ask for foreclosure ..Already I paid 7 emi...Balance 41 emi my total principle outstanding is 120148 as per my Interest certificate .But they r asking to pay 125000.. how I asked customer care..They r telling we don't know ..Speaking rudely to customer s . My mob no [protected].. they given all fake communication. I'm very poor family kindly help me and take severe action against home credit . I have attached my loan interest certificate. And my calculations of my principle amount of balance 41 Emi
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Aug 26, 2018
Complaint marked as Resolved 
Home Credit India Finance customer support has been notified about the posted complaint.
Verified Support
Jul 20, 2018
Home Credit India Finance Customer Care's response
Dear Dineshkumar,

Thanks for contacting Home Credit.

In regards to your concern, we would like to inform you that the Interest amount has been calculated using the flat rate of interest for the entire loan period. Interest Amount shall be appropriated to Loan account on the basis of the monthly reducing balance of the Loan Amount. Hence, we request you to make your EMI payment as per the loan summary, which was signed and agreed by you at the time of loan availing from Home Credit.

Additionally, as we observed from our records that, already your ECS (Electronic Clearing System) facility has been approved on the captioned loan account.

Further, we recommended you to maintain sufficient balance in the nominated Bank account at least 6 days prior to the due date to avoid bounce charges and any late payment charges also to maintain the healthy CIBIL record.

We are pleased to inform you that, your concern addressed successfully.

For any further help, please feel free to contact us at[protected] or email us at [protected]@homecredit.co.in.

Regards,

Customer Care Team
Home Credit India Finance Private Limited | Call –[protected]; Email – [protected]@homecredit.co.in | Business Hours – Monday to Sunday, 9 AM to 8 PM
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