Punjab National Bank Housing Finance [Pnbhfl] — documents reversal request : loan application no. hou/noi/1118/603525

Address:110024

This is to inform you that i have applied for home loan in pnb housing as per the application no. Hou/noi/1118/603525.

Mr. Laxmikant representing pnb housing (Carrying mob no-[protected]) visited & collected documents. Roi for home loan, as mentioned by him was 8.9%.
Moreover, he committed to providing an extra discount of 0.15% to 0.2% on behalf of pnb housing.

During our visit to builder's office on 23 nov 2018, we were made to sign "loan sanction letter" where roi was mentioned as 9.1%. We disagreed and asked for correction before signing any document. But, he reassured that an approval has been taken for 8.9% and this letter is just a piece of paper while my loan will be disbursed on 8.9% only.

In spite of our disagreement over roi, he prepared all the documents and made us sign them after reassuring that our demands will be met. When asked for a copy of filled & signed documents, he said this is just a format you can anytime get it and fill it. On asking this is signed and won't be same. He jokingly said both will be same.

Since the start, his attitude was casual and unprofessional. Till today i haven't received any proof of committed roi. When contacted, he says it will be done today.
Today (On 5 dec 2018), he brought his senior on call. His senior informed me that roi will be 9.1% only.in spite of all this, mr. Laxmikant was adamant that ecs will be done on 8.9% only.
These statements are conflicting and i am very disappointed and unsatisfied with the service i received from pnb housing. I am serving maternity leaves and have a child of age 4 months. This experience is giving me mental stress and leading to mental harassment.

Hence i request you to please return all the documents like bba, tri-party agreement, hdfc bank cheques, all pnb kits etc. (Signed and in original) submitted by me or in my name till date.

I also demand that sum of rs.5040 (With the breakup: rs.3540 via sbi bank cheque no 140699 dated 13 nov 2018 and rs.1500 in cash) which were handed over to mr. Laxmikant shall be returned.

I also request to please put on hold any further transaction on my loan (With application no hou/noi/1118/603525).

Kindly do the needful on urgent basis otherwise, i will be free to move to higher authorities for resolution.
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    Punjab National Bank Housing Finance [PNBHFL] Phone
    +91 11 2335 7174
    1 800 120 8800
    Punjab National Bank Housing Finance [PNBHFL] Address
    9th Floor, Antriksh Bhawan, 22 Kasturba Gandhi Marg, New Delhi, Delhi, India - 110001
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