IDBI Bank Complaints & Reviews

Dear Sir/ Madam,
I would like to bring to your notice the unprofessional and irritatingly lethargic behavior of your team at IDBI Home Finance, Prabhadevi, Dadar, Mumbai. My brother Ritesh Srivastava, and I applied for a home loan against a property in Mira Road. Considering the fact that the same back had another client who was planning to purchase a flat in the same building as ours, we thought it would be easy for us to get the loan as two similar cases are being handled by the same branch of your enterprise. Our interaction started with Mr. Rakesh Shukla([protected]) who lead us to the branch and an interview was held to assess our paying capacity. On 30/11/2009 a loan of Rs.24,00,000/- was approved in our name(case no.: MUMDAD[protected]. As a practice all the relevant documents along with the processing fee of Rs.13000/- was submitted to the office in the disbursement department. We were supposed to interact with Ms. Smita or Mr. Vaibhav. Gradually we realized that there is no progress in our case and we approached Ms. Smita for the same. She explained us that there are a lot of problems in the property and she is surprised why Mr. Rakesh took up this case. She also mentioned that Mr. Rakesh being a DST is just trying fetch more and more cases without even analyzing the case. We asked her to expedite our process so that we could obtain our cheque as soon as possible.

The whole disbursement team kept on working for next 3 months and in meantime they assured us about the loan time and again and also suggested us to get the property registered in our name. We followed the instructions and on 2nd feb, 2010 we got the property registered in our name and submitted all the documents to Mr. Vaibhav soon after. Mr. Vaibhav kept on coming up with weird demands like paying up franking charges(for the agreement between bank and us) to builder without telling it to builder which will be later deducted from the loan amount. We kept on following his instructions hoping that one we get the cheque soon.

In the first week of March he told us that there is some problem in the property and we need to go to court again for rectification. He had no explanation when he was asked why could he not find a problem earlier while the documents were lying with him for more than 2 months. We decided to take back our documents and approach IDBI Bank, Worli. Within 5 days of submission of the documents we have been issued the cheque on 13th March,2010 for the same property.
We request the IDBI home Finance team to reimburse the processing fee charged from us if no compensation can be provided for the harassment and trauma we have gone through.

Rahul Srivastava
[protected]

Dated- 11/03/2010
Sub- Incentive not paid by DSM
Dear Sir,
I, Chandan Kr Jha worked for IDBI Bank from last 28 months. At the time of leaving the organisation I was under the payroll of IDBI Intech (as a Team Leader) which is wholly subsidiary company of IDBI bank. My employee no. FOS6328. During the month of September I have left the job and join Canara Bank.
Here I am writing this letter to you because of Incentive not paid by our Sales Manager (Mr. Deepak Kumar, IDBI Bank, (Emp.no-601047) Siliguri branch,Nanak complex 1st floor, Sevoke Road,Siliguri,WB-734001).Mr. Deepak was my reporting boss.
During the month of march2009 a contest held by UTI Mutual Funds ,for all Sales executives, Team Leaders and Sales managers. I have sourced 141 applications during that contest and got no. 1 position in entire East. As per UTI Mutual fund we have earned Rs.21, 500 as Incentive and they have sent it in form of Gift cards. (Internally all applications are sourced by myself and Mr. Deepak kr and put those applications to all sales executives codes).
As per (Concern person Mr. Anand Solanki) UTI Mutual fund they have sent the incentive in the month of June-July to all Sales managers for distribution to the respective executives and team leaders but our sales manager not distribute a single penny to anybody even me who have done everything, after asking number of times about my Incentive (Rs.10500 appx atleast 50%.) from him, he has ignored me every time. As on 17th of December 2009 I had again asked about my incentive,he has totally denied me and gave some threats also.
I have sent number of mails to IDBI ([protected]@idbibank.co.in)and IDBI Intech ([protected]@idbiintech.com) but they didn’t reply me, even they send me the mail that they unable to read the my mails ,
only a call received by the number ([protected]), but they telling me to go to directly to DGM and talked about the matter.

Hence it happened number of times with me by the same person therefore I am requesting you kindly look into the matter if it is under your working area and help me to recovered my incentive.

Concern Person-
Mr. Shankar Prasad Banerjee (Regional Sales Manager, IDBI Bank)
Mr. Anand Solanki (UTI Mutual Funds)

Thanking you
Regards
Chandan Kr Jha
Mob- [protected]

My Applicationno 03430873 DD00515571 dt 15/05/1992 DeepDiscount Bond series 1 i want refund for the same.
regards
Pandurang Kumbhar
My new address suman swapna Sr. 42/11/2A Jadhav nagar gali no 5 Venutai Collage Road Vadgao Bk Pune 411 041 Mobile no [protected]

I took home loan from IDBI Home Finance Ltd in April 2008.The total amount which was sanctioned to me was 55 lakhs.Out of which 34 Lakhs were disbursed at the same time.My builder use to sedn them reminder from day 1 to disburse balance amount also
as building was on verge of completion.But they never responded back.After tremendous follow up they disbursed 5 lakhs.But that was not full amount.My building was ready & builder has already started giving possession to many of my building mates.
Final construction work of my flat was stopped because balance amount was still pending from IDBI Home Finance.Ia sked them to disburse balance amount but they use to tell me that technical is done & your builder will get balance amount next week or coming week.
But that never happened.After that I moved to United States.From thr also I was continuously following up with IDBI Home Finance guys to disburse my balance amount & they told me that DD is ready & they will dispatch it in a day or two.My builder is not giving me possession for my flat
,which is tru in any sense because balance amount is pending from bank.thts why I kept all my house hold items in warehouse for which I am paying a rent of 5000 per month & was hoping that I will get possession soon as it is a matter of 2-3 days.
Now after 6 months I am told that your CIBIL report shows n number of negative records,so we can't disburse your balamce amount.
I want to know that howcome my CIBIL report was in good shape at first place when my loan got sanctioned.
Had it been the case,my loan should not get sanctioned at first place itself.& I would not have gone for that flat.But now when everythng is done,at eleventh hour they are saying that your balance amount cant be disbursed.
Even if they are not going to disburse my balance amount that fine with me.But I want to have an enquiry over this that how my loan got sanctioned at first place.Thr is no change in my CIBIL report from last 1 year or so.

Need your intervention on this as I am in big mess.

--
Abhishek Somani
Handy: [protected]

DEAR SIR
Ihad invested rs 30000/- in idbiflexi bonds22.l.f.no 22IFB2406374 I I WILL B OBLIGED TO KNOW STATUS OF REDEEMPTION OF ABOVE BONDS.CAN U PROVIDE ME CONTACT NO FOR THE ABOVE QUERRY
DR WAINGANKAR

We have taken a Pay order for Rs. 250 from IDBI Bank, Gandhi Nagar Branch, Bangalore-9 on 02.03.10 in favour of "Export Inspection Agency" . We have been charged Rs. 171 as commission charges which is more than 68% of the DD Amount. When we asked the concern person they gave some vague reply saying that it is fixed like that only. Please look into this.

Dear Sir,
I have purchased IDBI Flexibond 21(Folio No.21IFB538096) of amount Rs. 30, 000/- whose maturity dated 20.10.2007 wsa returned undelivered to you, Therfore you are requested to send it back on my same Address.or Credit into my saving A/c No. [protected] of Panjab.National.Bank,Vasundhara Branch,Ghaziabad-201012

Yours

Gopal Krishan Bansal
A/c No. [protected]
Panjab National Bank,Vasundhara Ghaziabad, U.P.

Adderess : E-1053,Rajajipuram
(Behind S.K.D. Academy)
Lucknow, U.P.
Mobile No. : [protected],[protected]
E mail : [protected]@gmail.com
or
ak.[protected]@yahoo.in

My brother has applied for housing loan to IDBI and since he was in US at the time of application, my father paid loan processing fees in advance to IDBI bank through a cheque on his account. Later bank came up with requirement that for a NRI case, they need cheque from NRE account only. Hence again my brother paid a cheque of processing fees to IDBI and asked for refund of the earlier payment.
SInce last 6 months we are following up with bank but there has been no replies to our mails from bank.
Also builder office is following up for the same.
Request you to help me in getting my money refunded and also teach bank a lesson as for each and every delay from consumer side, they have system of charging to them irrespective of the cause.

Sir,
I kindly request to you that a third party cheque of rupees 11600/- No.040551 IDBI BANK RATLAM Branch was deposited by me in my bank account (VIJYA BANK) on[protected]. IDBI BANK returned this cheque without payment to my bank due to signature was not matching.

On[protected] party has given me an another cheque of such amount cheque No. was 040552. I confirmed by IDBI BANK about signature and fund on[protected] after confermation when I went to cash counter cashier told to me wait for five minutes and after than the Branch Manager came and told to me in ungentleness tone that we will not pay you this amount.

I asked to Branch Manager why are you not paying the amount? He told due to insufficient fund we can not pay this amount. Hence before five minutes I confirmed by a Clerk that their is sufficieant fund in the account.

After than I told to Branch Manager if you are not paying the amount please give me memo, he replied me to deposit the cheque in my bank account when the cheque will come in clearance we will give memo. I deposited cheque in my bank and after two days IDBI BANK returned the cheque without payment with reason of insufficeant fund.

So please see this case that why IDBI BANK did not pay my cheque amount while their was sufficieant fund on that date and time.

Thanks

Hi,
I have a home loan account in IDBI bank Jaipur of Rs. 1437000. The account number is [protected]. In this I have gone through an agreement with bank and builder that till the completion of the project the builder will pay the interest as PMI every month. The bank is well aware about of this. Till date the project is not completed and builder has not handed over the flat to me. I have approached bank several times and remind him about the agreement and request them not to show my name in defaulter list as i am not the defaulter in this case. The builder is not keep the promise as agreed. I have filed a court case againest the builder and the bank on July-08. Now the case in under trial and the decision is pending. There by requesting you to please remove my name from defaulter list till final decision from court. i can provide you all the document evidence if you need so. Waiting for your reply.


//Subhendu Kumar Raj

VIPUL VERMA
Space Creators
Ganesh Kuteer,
Opp.Power House
Hathi Bhata, Ajmer
[protected]
e-mail : [protected]@rediffmail.com

Dated 16.2.2010

Reg: Lost of my Debit Card and not blocked when informed by IDBI Bank

Dear Sir/Madam,

I am VIPUL VERMA have an account with IDBI Bank, A/c No. [protected], Branch-Jaipur Road , AJMER had lost/stolen my ATM Debit Card No. [protected].

My Last transaction was ICICI Bank ATM at Noida, date-6.2.2010, time arround 7.30 pm and our available Balance is Rs.28927.26

There after I have informed to IDBI Bank through e-mail on Saturday, February 06, 2010 11:09 PM that Card stolen today in Delhi Metro, Please Block Debit card No.[protected] and oblige.

There after checking of my account at IDBI bank, Ajmer Branch at 10am on 8.2.10,
I astonished to know that my lost Debid card used by Rs.12794.10, although I had informed to block my card on 6.2.10 11:09 PM to the bank.

On Mon, 8.2.10 at 10.15am I again requested to IDBI Bank and then they blocked my card.

Card used as follows:-
225.00 6.2.10 Nirulas Corner, Delhi
200.00 7.2.10 Kundan Lal Filling Station, Delhi
795.00 7.2.10 V Mart Retail P.Ltd., Delhi
1199.00 7.2.10 V Mart Retail P.Ltd., Delhi
1996.00 7.2.10 Charli Outlaw, New Delhi
3712.10 7.2.10 Reliance Fresh, Delhi
958.00 7.2.10 Reebok Store, Delhi
230.00 7.2.10 Singh Service Centre, Delhi
1450.00 7.2.10 Bhola Garments, New Delhi
600.00 7.2.10 Bhola Garments, New Delhi
198.00 8.2.10 Raizada Motors, New Delhi
1231.00 8.2.10 Big Apple, Delhi
[protected]
12794.10



On Mon, 08 Feb 2010 18:06:56 +0530 IDBI Bank wrote :-
Dear Customer,
Thank you for banking with us.
As per your query, we have checked our records and wish to inform you that your debit has already been blocked.
Further, you will have to submit a written request at your Ajmer branch for issue of a new card. And as this will be a replacement card, you will have to bear the charge of Rs.115/- towards it. You will be receiving the same within7-8 working days from the date of submission of the application.
Assuring you the best of our services as always& looking forward to a mutually rewarding relationship.
Regards,
Sarabjit Kaur
Customer Care Executive


On Tuesday 9.2.10 I wrote
Dear Kaur,
we are sorry to inform you that after information sent you on Saturday, February 06, 2010 11:09 PM that Card stolen today in Delhi Metro, Please Block Debit card No.[protected] and oblige.
you people havn't block the card till monday morning and Appx.Rs.12000.00 stolen through swipe with same card from our account form Saturday night of 6.2.10 to monday morning 8.2.10.
After checking our account on monday morning we again requested through net banking then only the card blocked.
Please credit our stolen money in our A/c No. [protected] SPACE CREATORS, AJMER as we requsted you online at the same time on saturday 6.2.10.
Please reply most urgent.
Vipul Verma
for Space Creators
(Proprietor)
[protected]

On Wed, 10 Feb 2010 13:11:34 +0530 wrote
Dear Customer,
We apologize for the loss occurred and the inconvenience caused to you.
Requesting you to file an FIR at the nearest Police station regarding misuse of your debit card. Take the copy of this FIR and fill an Insurance form at your Ajmer branch for further processing in this regard.
We assure you that, in future we will take all necessary measures to avoid any inconvenience to you.
Regards,
SarabjitKaur
Customer Care Executive


On Thu, 11.2.2010 I wrote
Dear Sarabjeet
As you are aware card lost at New Delhi and I left the city on same day, Now you are requested to please confirm FIR at AJMER or JAIPUR can solve the Insurance purpose or not because It is not at all possible for me to go New Delhi and lodge the FIR.
Please reply most Urgent.
Vipul Verma


On Mon, 15 Feb 2010 13:09:38 +0530 wrote
Dear Customer,
Thank you for reverting to us.
We wish to inform that for claiming insurance you need to file a FIR at the police station in the area where you had lost your Debit card and provide your branch with the copy of the same.
Assuring you the best of our services as always& looking forward to a mutually rewarding relationship.
Regards,
SarabjitKaur
Customer Care Executive


On Monday, February 15, 2010 07:38 PM I wrote
Dear Sabarjeet,
Its not possible us to go to Delhi & file a FIR, Please go through the statement of account and on that facts either convince your Insurance company or otherwise we have no alternative but to go against you in COSUMER COURT.
Please reply most urgent,
Vipul Verma



On Tue, February 16, 2010 11:39:29 IST
Dear Customer,
Thank you for banking with us. We wish to inform you that as you said that the card is stolen/ misused hence an investigation is required and for that you need to file an FIR.
Assuring you the best of our services as always & looking forward to a mutually rewarding relationship.
Regards,
Sarabjit Kaur
Customer Care Executive

Now I pray for justice with you,


Thanks and Regards
VIPUL VERMA
[protected]
[protected]@rediffmail.com

I opted for a loan from IDBI bank and applied on 13Jan10.

The bank was delaying my processing even after the fact that all my documents and relevant details were up-to-date.

My legal and technicals documents were received earlier by the bank. Everything was clear.

When the day came when I was promised disbursal, the officials at IDBI BANK RAC CENTRE at KANDIVALI(MUMBAI) made a mandatory statement to avail the IDBI FORTIS HOMESURANCE and BAJAJ ALLIANCE INSURANCE. Without which the bank was not disbursing my pay order.

According to the rule, a service can be offered but shall not be mandatory.

I have received the pay order but after so many disruptions.

I have purchased some Mutual Funds through IDBI paisabuilder. My login ID is "RAJAT666". The NAV shown under the scheme "Pru ICICI Tax Plan Fund" is wrongly mentioned, as I am holding the growth option and the one mentioned is for Dividend option. The issue is pending from last 6 months and despite of my repeated calls and mails, the error has not been rectified. What I fail to understand is that why is it not being resolved and why the customer care people dont even give a reference number for my complaint. Even on repeatedly asking for a complaint reference number, I was not given the same.

I would request you to take up the issue with the company for an early resolution.

Rajat Arora

My IDBI Infrastructure (Tax Savings) Bond (2005A) has matured on 25/02/2008 but I have not received any payment so far.
The distinctive Nos. [protected] - [protected] (6)

DEAR SIR,

I HAVE VISITED SBI ATM (ATM ID-S1AN[protected] AT 17:43 ON 06/02/10 FOR WITHDROWING MONEY AND I HAVE SUBMITTED REQUEST FOR 3000 WITHDROWEL WHERE I GOT TEMPRORY NOT ABLE TO PROCESS YOU REQUEST ARRER AND MY ACCOUNT DEBITED WITH SAME AND WHEN AGAIN I SUBMITTED THE REQUEST FOR 2000 (TXN NO-8122)I GOT THE MONEY FOR SAME ,PLEASE DISSOLVE THE ISSUE,

THANKS & REGARDS
GYASUDEEN ALI

Respected Sirs/Madam,

21/11/2009 IDBI BANK 540353 8,273.00

Almost 55 days ago I had applied for a home loan, which was cancelled on the very fifth day. But without informing me anything e.g. loan amount sanctioned, amount to be deducted for processing fees. your officer has deducted abovementioed amount. I am trying to get it back since last 50 days.
You can see from the trailing mails that i have written to almost all officers of your homeloan subsidiary, but nobody is ready to help me except one lady officer who told me to contact you.

Please arrange to do the needful at the earliest.
Thanking you and best regards.

Jayanti Darji
[protected]
Vikhroli



--- On Wed, 13/1/10, jayanti darji <[protected]@yahoo.com> wrote:


From: jayanti darji <[protected]@yahoo.com>
Subject: Fw: REFUND Rs.8273/- not yet recd.
To: [protected]@idbibank.com
Date: Wednesday, 13 January, 2010, 8:55 PM


Dear Sirs/Madam,

21/11/2009 IDBI BANK 540353 8,273.00

Good morning to you.
As you can see from the trailing mails, that I have been trying to get abovementioned refund since last 50 days. But your officer Mr.Sahu is not at all helping me .
In brief, I had applied for a home loan which was cancelled on the fourth day and immediately on fifth day your officer deducted above mentioned amount from my account without informing me anything. Before deducting any amount I have the right to know the break up of this amount, and nobody informed me the amount of sanctioned loan and deducted the amount.
Now I request you to please help me get my refund at the earliest.
Thanking you and warm regards.

Jayanti Darji
Vikhroli
[protected]


--- On Wed, 13/1/10, [protected]@idbihomefinance.com <[protected]@idbihomefinance.com> wrote:


From: [protected]@idbihomefinance.com <[protected]@idbihomefinance.com>
Subject: Fw: REFUND Rs.8273/- not yet recd.
To: [protected]@yahoo.com
Cc: jt.[protected]@idbi.co.in, swati.[protected]@idbi.co.in, [protected]@idbihomefinance.com, [protected]@rediffmail.com, [protected]@apnapaisa.com, [protected]@idbi.co.in
Date: Wednesday, 13 January, 2010, 10:29 AM



Dear Mr Darji,

This is with refferance to attached mail IDBI Home Finance is a separate entity than IDBI Bank
your case is not belong to our company.

Please visit nearest IDBI Bank to know the exact status.

Thanks
Best Regards

Uma Kanitkar
Marketing - Central Office
IDBI Homefinance Ltd. Pune
TEL[protected]


----- Forwarded by Uma Kanitkar/Marketing/Central Office/IHFL on 01/13/2010 10:46 AM -----



jayanti darji <[protected]@yahoo.com>
01/12/2010 08:59 PM To [protected]@idbi.co.in, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com
cc [protected]@rediffmail.com, [protected]@apnapaisa.com
Subject REFUND Rs.8273/- not yet recd.








Respected Madam Uma Kanitkar,

You have written to contact nearest branch, but your Banker Mr. Sahoo is not responding and he has not given my file no.etc to me.

I request you to please show me the way to contact your higher authority










KIND ATTN: Mr Sahoo,
You have been telling me it will take sometime since last 45 days. Please give me email add. and contact nos. of your head office and also send me my file no. and when are you sending my all papers.

Today I tried to contact you many times but you are not responding and giving cell to your asst.lady. Very soon you have forgotten when you used to pick up my phone immediately.

dear sir
sorry for inconvience caused to you for delay, but i have already forward your request for pf refund. since any refund needs a approval from head office it will take some time. please wait i will call you after getting refund from bank.
regards
nirakar sahoo







Dear Mr Darji,

Please visit nearest branch of IDBI Bank for getting this details

Thanks
Best Regards

Uma Kanitkar
Marketing - Central Office
IDBI Homefinance Ltd. Pune
TEL[protected]


----- Forwarded by Uma Kanitkar/Marketing/Central Office/IHFL on 01/07/2010 12:41 PM -----



"swati.joshi" <swati.[protected]@idbi.co.in>
01/07/2010 11:45 AM To [protected]@idbihomefinance.com
cc
Subject Re: Fw: REFUND Rs.8273/-









Dear Ma'am
Said case doesn't belong to our branch .Please ask customer to visit nearest branch

Regards
Swati Joshi
[protected]@idbihomefinance.com wrote:

Dear Sir/Madam
Attached herewith is the mail received from the Customer of IDBI Bank
Forwarding to you for your needful please
Thanks
Best Regards
Uma Kanitkar
Marketing - Central Office
IDBI Homefinance Ltd. Pune
TEL[protected]
---- Forwarded by Uma Kanitkar/Marketing/Central Office/IHFL on 01/07/2010 10:58 AM -----


jayanti darji <[protected]@yahoo.com>
01/06/2010 10:02 PM
To [protected]@idbi.co.in, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com
cc [protected]@rediffmail.com, [protected]@apnapaisa.com
Subject REFUND Rs.8273/-










Dear All,
I had applied for a home loan of Rs.1500000 on 16.11.09. But I cancelled the said loan on the fourth day of my application. Even after informing your officers on the fourth day your bank has deducted Rs.8273 as processing fees.
Kind attn: Mr. Nirkar Sahu,
Since last 40 days I have been after you for my refund. Almost every day I call you and you have been giving me following short answers and cut the phone.
i am not in office
i am going to manager for your refund
it will take some time
call me after 2 pm
call me tomorrow
i am just at the entrance of the bank, call me after some time
after speaking to manager, i will get back to you
etc etc etc
YOU ARE SPOILING IMAGE OF YOUR BANK
Now please tell me how long will it take for my refund ?
Expecting a positive reply or call from you soon.
Thanks.
Jayanti Darji
[protected]
Vikhroli




----- Forwarded by Uma Kanitkar/Marketing/Central Office/IHFL on 01/07/2010 10:58 AM -----


Uma Kanitkar/Marketing/Central Office/IHFL
11/26/2009 10:36 AM
To Idbi bank customer query
cc Aloke Ghosal/Marketing/Central Office/IHFL, [protected]@yahoo.com
Subject Fw: REFUND Rs.8273/-









Dear Sir/Madam
Attached herewith is the mail received from the Customer of IDBI Bank
Forwarding to you for your needful please
Thanks
Best Regards
Uma Kanitkar
Marketing - Central Office
IDBI Homefinance Ltd. Pune
TEL[protected]

----- Forwarded by Aloke Ghosal/Marketing/Central Office/IHFL on 11/25/2009 06:54 PM -----


jayanti darji <[protected]@yahoo.com>
11/25/2009 06:25 PM
To [protected]@idbi.co.in, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com, [protected]@idbihomefinance.com
cc [protected]@rediffmail.com, [protected]@apnapaisa.com
Subject REFUND Rs.8273/-










Dear Sirs/Madam,
Good evening to you all.
Very poor services of your employees or agents has compelled me to write this letter which is highly regretted.
In first week of current month I recd. a call from Mr. Nirakar Sahoo for home loan. He told me that our bank will give you home loan of Rs.15 lakhs in five days. So I submitted all my papers with a cheque on 13.11.09, Friday evening. >From 16.11.09, Monady. First day of my home loan processing started.
On 19.11.09, Thursday (Fourth day), I called Mr. Sahu, he told me that
(1) He will inform me the amount of loan sanctioned by evening of 21.11.09,(Saturday),
(2) It will take 7 to 10 more days to complete full job,
(3) I will have to pay 2 % service charge i.e. Rs.30000 over and above processing fees.
I immediately told him that I cant afford Rs.30000 and I will let you know my decision tomorrow, i.e. on 20.11.09 (Friday).
I had to cancel this loan due to two reasons: (A) I was not aware of your service charges of Rs.30000, normally some banks charge 0.5 % processing fees and some banks have zero charges. (B) Initially he told me that it will be done in 5 days and on fourth day he told me that it will take 7 to 10 days more !!!
So on 20.11.09 (Friday) morning at about 10 am I informed him to please cancel my loan application and send back my papers with my cheque.
Very very surprisingly, on 21.11.09 (Saturday) everything was done very swiftly. Instead of cancelling my loan application, your officers did the following just to harass me.
1. Call from your officer for loan, I clearly told him that yesterday I have already informed Mr.Sahu to cancel this application.
2. Though above was told, immediately Rs.8273 was deducted from my bank account.
3. At about 3 pm a verification call from a lady, I clearly told her no.
4. An officer visited my house at 6 pm, here also I told him no. for my loan.
So after all this I informed Mr. Sahoo, he told me that nothing to worry, refund will be given to you and papers will be sent back on Monday 23.11.09 evening. Again Monday evening I called him, he told me that papers will be sent tomorrow evening. Yesterday also papers did not come and today morning he has written me mail (below attached).
Lastly I thank all officers and IDBI bank management for taking time for my loan.
I request you to refund my Rs.8273 at the earliest.
Thanking you once again and best regards.
Jayanti Darji
Vikhroli[protected]

Dear Sir & madam,

I applied for a car loan from IDBI Bank in the second week of December 2009 from IDBI Bank, Vivek Vihar, Delhi branch for Maruti Wagon R (LXi version). The Bank issued a sanction letter on 29th December 2009 where they approved a loan of Rs. 2.65 Lakh. To get car on time I had submitted the sanction letter at the dealership and also to hold my car as there was a shortage going on due to the heavy discount of of Rs. 45000 in December 09 end. The dealer hold my car for liked color upon my request on the basis of sanction letter issued by IDBI bank. The Bank asked me to deposit an amount of Rs. 3300/- as processing fee for loan to get the sanctioned amount cheque the next day. The said amount I deposited at the branch only in cash. The next day when I visited Bank they informed me that the car loan I applied has been rejected because of two reasons firstly my mom defaulted in a home loan and secondly I defaulted in my two wheeler loan. Both of the loans got over in due time and there was no default at all. During my another visit to branch I submitted the NOC with other supporting documents that neither my mother or I defaulted in any loan.

The amazing fact is when the sanction letter is issued why a rejection. Most of the dealership give the delivery of vehicle on the basis of sanction letter. How much worse could have happened if I would have taken car on the basis of sanction letter.

I approached to the Branch Manager of IDBI Vivek Vihar branch so as to reopen my case or for the refund my processing fee. Nothing has been done so far after several visits.

I applied for another loan through another bank and have a car now. But I need my money bank. Can anybody help me?

Warm regards,
Umesh Chaudhary
New Delhi
[protected]

To,
IDBI Bank
Retail Assets Centre, 1st Floor,
54, Ring Road, Lajpat Nagar-lll
New Delhi-110024
Dated : 29th January, 2010


Sub: Refund of Processing Charge Home Lone Rs. 2000/-




Dear Sir


With reference to file No. 32817 Date 26.12.2008. this is to inform you that I have submitted ICICI BANK cheque No. 788392 as processing charge regarding my home loan which stopped for the time being so I request you to refund the amount Rs. 2000/- which I have submitted as processing charge.

I will be grateful for your kind consideration into the above mentioned matter.

Thank you,





Regards


Ranjan Basu
Delhi
Email:[protected]@gmail.com

Me and My husband applied for Home loan from IDBI bank 2 months back. Bank deducted their processing charges initially and did their queries. During the query, we came to know through our agent that there is some amount pending at wife’s end in Citi Bank card.

We were receiving calls from Citi Bank from 1 month that some amount is pending; but we were denying that as we had never done any shopping from Citi bank card as we stopped that card in the month of September 2006 and the whole shopping was done on one single day in Oct 2006 and bank never gave us any statement of payment from last 3 years. As Soon as we applied for loan bank started chasing us for the payment; however we pay the amount as F&F just for the sake of Home loan as it was a missing card case but we have no FIR for this. So Bank rejected our case and people were so rude in the Bank, even they know that Citi Bank was also the defaulter, why they never informed us about the charges.

We requested again to IDBI bank that if Bank has objection at wife’s name, then please process the file only at Husbands’ name and we will change the property on Husbands name as well. Now bank is saying that we are not comfortable providing any loan to us.

Can some body tell us how we can go further against the Bank as we have already blocked the money in property and Bank is refusing to pay? Builders have only single financer.

I have not received interest on flexi bonds23 ([protected] - [protected])
to be checked and informed.
Thanks
KAMESHWAR SHAHI
RANCHI