[Resolved] Home Credit India Finance — unprofessional way of approving personal loan and using foul language to family members by the recovery agents

[Resolved] Home Credit India Finance — unprofessional way of approving personal loan and using foul language to family members by the recovery agents

M Minakshi Suvare from Delhi, Delhi

Home credit well known company who provides personal loans to customers... Some people are in need of money and good you approve loan so fast.. Don't you people think it is totally unprofessional to approve loan without knowing earning capacity of the customer.. How come company approves 79k loan with 35% interest rate to a customer who doesn't even earn 5k in a month... On top of that when he fails to repay the emi it is so obvious if he doesn't earn from where he will pay the emi... Your so called recovery agents come and use bad words to his family members who are not even aware that his /her son has borrowed 79 k loan from home credit... Has his family members signed any contract wherein it is mentioned that if the primary customer fails to repay the money his family members have to pay... "we are here to help you" are you guys really here to help or to trouble middle class people... Other financial companies also give personal loan but they follow proper process, verify details like salary slip, appointment letter, confirmation letter, bank statement (To verify salary).. And when you write to the customer care about your concern they say, we will share the details with customer only... Then why your recovery agents are coming home and using bad words to the other family members... Don't bother them try to reach and recover your money from the customer... Totally unprofessional company Was this information helpful? No (0) Yes (0)
Sep 11, 2019 Complaint marked as Resolved Home Credit India Finance customer support has been notified about the posted complaint. Verified Support Aug 11, 2019 Home Credit India Finance Customer Care's response Dear Sir/Madam, Thank you for Contacting Home Credit. We regret the inconvenience caused. Please inform the customer to kindly share his Loan number (Ten digit number, starts with 3) OR registered mobile number so that we can assist him with his concern. The customer can refer to his loan documents i.e. Loan Summary / Repayment Guidelines. Also, let us know the below details so that we can investigate further. Date/Time of Visit: Name of Field Executive: Mobile no: We appreciate your patience and understanding with this. For any further help, please contact us on our email id:[protected]@homecredit.co.in Regards, Customer Support Team Sep 19, 2019 Updated by Minakshi Suvare It is so cool to tagged query as "RESOLVED"... your company's representative must have earned some incentive... he /she must have achieved some product target... But but let me just tell you It is not yet resolved... if you trying to reach your customer who doesn't have money to repay the loan... who is not even earning 2k per month... Ofcourse he will not answer your call... how can your company approves loan without checking salary slip or appointment letter or any salary proof... That tooo 79k loan with a interest rate of 35% p.a. for a person who is not even earning 2 k p.m... This is how your company make money... Unethically/ without checking proper documents... Your company has taken aadhar card as documentation... your recovery agents come n and tell family members that if you guys fail to repay the EMI they will take your TV and Fridge (did you guys took their permission when you paid 79k to my brother... nooo right then you don't have any authority to trouble my family members or harassing them for any kind of repayment) you guys even know how the family is running the house... What is your company's vision - approve loan without documents and then trouble/ use abusive words to customers family (poor family members didn't even know about the loan thing) Unprofessional #HOMECREDITINDIAFINANCE Regards, Minakshi suvare
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