[Resolved] Home Credit India Finance — foreclosure amount | |
Hello sir, my self sukeshani bind. My loan no. [protected]. My email id - [protected]@gmail.com Muje homecredit se loan k liye call aaya tha i said no to executive but usne kaha tha ki 6 month ke bad mere loan forclose karne pe koi interest nahi lagega aur sirf balance principal amount paid karke me ye loan foreclose kar sakti hu. But mujhe abhi 12674 jyada bharne k liye bol rahe aur proof mang rahe hai pls help me out otherwise mai ab ek bhi emi pay nahi karungi. Mene use mere loan ka full repayment statment manga tha jisme muje clear mention ho ki mere har emi me mera kitna principal kata aur kitna interest. But usne muje kaha ki wo information hum aapko nahi de sakte h. Hame sirf closing amount hi dikhati he. Usne muje closing amount 85013/- bataya. Loan amount - 95000/- I paid 11 month emi = 4480/- * 11 = 49280/- 12 month interest = 95000/- @ 28.02% = 26619/- That means i paid total principal= total emi 49280 - total interst 26619 =22661/- According to me foreclose amount =[protected] = 72339/- According to you foreclose amount is 85013/- and your getting extra 12674 rs. Please give me answer as earlier as possible. Other wise i am paying any emi and also make complaint against you. Was this information helpful? | |
Mar 28, 2019 Complaint marked as Resolved Home Credit India Finance customer support has been notified about the posted complaint. Verified Support Feb 24, 2019 Home Credit India Finance Customer Care's response Dear Sukeshani, This is with regards to your query with Home Credit under reference number 16462320. In reply to your query, I am pleased to inform you that your query has been resolved successfully as per the telephonic discussion which we you had with us dated 22/02/2019. We wish to inform you that the interest amount has been calculated using the flat rate of interest for the entire loan period. The interest amount shall be appropriated to loan account on the basis of the monthly reducing balance of the loan amount. In order to foreclose your loan, please refer below terms and conditions:- Minimum 06 installments to be paid to foreclose the loan under this option. As per the loan summary letter terms & condition you need to make payment of the amount communicated by our customer care team. Nil foreclosure penalty charges will be applicable on the outstanding principal amount as per the loan summary letter terms & condition. To raise a request for Early Repayment customer have to call us before 5 days from last due date. Once the request is raised and activated with us customer is advised to make the payment within 48 hours to avail the benefit of Early Repayment option, which is as per the terms & condition of loan summary letter. We have sent scan copy of Bifurcated Interest Certificate on your registered email ID for your reference. Please do revert in case of any discrepancy. Meanwhile, we are closing this concern. For any further help, please feel free to contact us. Regards, Customer Care Team Home Credit India Finance Private Limited | Call –[protected]; Email – [protected]@homecredit.co.in | |
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+91 90 0469 0046
3rd Floor, Tower C, DLF Infinity Towers, DLF Cyber City, Phase- II, Gurgaon, Haryana, India - 122002
I have cleared my phone loan and I have called custumber service to send me the NOC hard copy and soft copy by mail they said will will do within 48 hrs but I dint recive anything dear home credit plz send me NOC by mail ID,
anz.[protected]@gmail.com
Loan no :- [protected]
Name :- himanshu
urgent required