LIC Housing Finance — Processing fees

Address:	410210
Website:	LICHFL

I have taken a home loan from LICHFL in 2013 for Amount of 41 lakh under loan account number LNNO:[protected] . For That processing fees was Rs 41000. There was a scheme at that time where customer has to pay part processing fees (Rs 10000) and Rest will be waived off as part of promotional offer. That looked attractive and become main reason to go with LICHFL as other banks also offering the same rate of interest but processing fees waiver was not there with other banks.
Part payment of Loan Got disbursed approx. Rs 36 lakh in July 2013. Again Builder has given Demand of 2 Lakh in May 2015. In 2015 LIC informed me your Account gone in Payment window block Even if regular EMI was being deducted from my account. The reason given that Part processing Fees cheque (Rs 10000) was dishonor by your bank in the lieu of technical reason (Sign Mismatch). I was really Baffled and checked with my Bank but there is no such incident happen and Cheque itself not gone to bank.

Matter run for 2 month and LIC vashi branch informed matter solved please pay in cash for part processing fees with Penalty( Rs 10000 + Rs 350), which I paid and Demand of 2 Lakh got cleared in Aug and disbursed to builder .

New twist has come in the Matter again broken period interest for 2 lakh was almost Rs 1337 and has to be paid, I got the meassage from LICHFL in September. When I went to pay that amount again same story I heard from LIC vashi branch, your account payment window is Blocked as you have to pay Full processing fees (Remaining Rs 31000) . Then I protested this is unfair, then they promised me they have put your case to corporate competent authority.

This is going since three month and now broken period interest reached from Rs 1337 to Rs 4000 still matter is unresolved. I am getting call very week from desk please pay your broken period interest, once I am going to pay Its not accepting as Payment window is blocked this happen 5 times with me . Every time call is coming I am informing all the story and they are telling matter is solved please come and pay. So there is complete misinformation and collaboration missing in interdepartmental in LICHFL.

In December I have written mail to Vashi Branch manager and then I got reply that your case has been rejected by competent authority without giving me any rational.