[Resolved]  Punjab National Bank Housing Finance [Pnbhfl] — Forcing to take heavy insurance along with housing loan

Sep 06, 2016

Updated by beego14 Dear Sir /Madam,

I have already raised this issue to the relationship manager, I didn't get any reply and then I have sent to customer.[protected]@pnbhousing.com, again no response. Whom should I send my queries. Please find below the email chain for your information.

Thanks & Regards
Gopinath

Dear Sir/Madam,

It was really unfortunate to inform that I had to request for stopping of processing on PNB home loan because of the below list of issues and reasons. I am not satisfied from your service because of below list of reasons:
No transparency
Delayed process
Imposing heavy insurance premiums
Forcing all family members to be co-applicants
No proper communication
Need to follow up lot of time but no output
Higher top-up loan interest rates
No final sanction letter from PNB( Got one but it is not as per my initial discussion with representative. They have not revised )
Please accept my rejection of home loan application and process for any refund of processing fee.

Thanks & Regards
Gopinath
[protected]

From: Gopinath beesetti <[protected]@hotmail.com>
Sent: Wednesday, August 17, 2016 1:05 PM
To: sandeep.[protected]@pnbhousing.com; deepa.[protected]@ext.pnbhousing.com
Subject: Not satisfied with PNBHF services

Dear PNBHF team,

I am sorry to say that I am not satisfied with your services till date. Please find below my experiences,
I have requested for the loan request on July 15 2016 and approved in weeks time but till two weeks i didn't get any call from your representative even to inform me that my loan is approved. I had to call him and ask what document I need to submit
My property is in Vizag, AP. I have to call up Vizag office and ask them what documents they need and again follow up with them. Your representative have no idea of where PNBFH Vizag office and who is the contact person. You post in you website that "Robust service delivery model – door step services ensuring easy and fast approval & disbursal of loans".A 60 years old person had to travel twice 30km in Vizag heat to your office to know what document required and then to submit. This is what you mean door step service??
From the day i have registered for home loan on 15 July 2016 only once met your representative and hardly once i got a call from your representative updating the status. Every time I have to call and enquire about the status. It is some thing that he has taken the loan and i am the service provider.
Some time no one from pnbhf are accessible, neither direct representative, Relationship Manager.
"High standards of ethics, integrity and transparency". i don`t see any transparency, every time I ask any question, don`t worry sir i will take care during loan disbursement. I didn't get final loan offer letter. First offer letter i got was with lot of mistakes and does on as per initial discussion with pnbhf representative
Loan top up interest rates are too high, HDFC is offering with 9.5% same as home loan even this was also not confirmed what is the final interest rate pnbhf is offering
As per IRDA you cannot impose for insurance but in the initial quote they charge 78000, till date i didn't get any clarity on this even after telephone conversations and sms to representative. His wording are "Sir I will take care during disbursement"

I am regretting to have taken up home loan transfer to pnbhf. I got good offer from HDFC but as pnbhf approached first and already i have filled the application but if i have know poor service of pnbhf before i would not have gone for pnbhf.

I request you to consider the above point and do the needful activities to process my loan at the earliest. Please do call me if you need any clarification.

Thanks & Regards
Gopinath
[protected]
From: [protected]@pnbhfl.co.in <[protected]@pnbhfl.co.in>
Sent: Friday, July 15, 2016 4:59 PM
To: [protected]@hotmail.com
Cc: sandeep.[protected]@pnbhousing.com; deepa.[protected]@ext.pnbhousing.com
Subject: Receipt of your Housing Loan Application Reference No.REF/HOU/MLS/0716/302117


Dear Customer,

We have received your loan request on 15-JUL-16.Your reference number is REF/HOU/MLS/0716/302117 . Please quote your reference number for all future correspondence with us.

We are processing your loan application and shall communicate the status shortly.

In case any information is required regarding your application with us, please contact your Relationship Manager at the below mentioned details.

Relationship Manager: Sandeep Talikoti
Mobile No: [protected]
Branch Address: PNB Housing Finance Ltd., H.V.V Plaza, #76, 2nd floor, B Wing, 4th main, 15th, cross, opposite Himanshu school & Karnataka Bank, Malleshwaram
Branch Phone No.:[protected]

Thank you for choosing PNB Housing Finance Limited.

Assuring you of our best service at all times.

Best Regards,
PNB Housing Finance Limited

Oct 25, 2016

Updated by beego14 I have requested for returning the documents, but sorry state of pnbhf service, even after an order from the senior customer service officer to do the needful to return the documents no response from the pnb team.

That's how pnbhf works. I wont recommend pnbhf to anyone.

No co-ordination between their departments. Please find below the mail chain.

Dear Sir,

This is the sorry state of your service. Even after your mail i didn't get a reply nor a call from your representative. I have send 3 sms but no response.

Till last week I had a doubt in my mind that I have taken wrong decision by opting out of PNBHL but Now I strongly feel that I have taken a wise decision to opt out from PNBHF.

Thank you once again for your valuable service.

Regards
Gopinath

From: Malleshwaram <[protected]@pnbhousing.com>
Sent: Thursday, October 13, 2016 10:13 AM
To: Sandeep Talikoti
Cc: deepa.[protected]@ext.pnbhousing.com; Gopinath beesetti; Malleshwaram
Subject: RE: Loan details- BEESETTI GOPINATH HOU/MLS/0716/302117

Dear Sir,

Please do the needful

Thanks & Regards
Gopinath A P
Customer Service Manager- Loans & Deposits
#76 HVV Plaza, 2nd Floor, B wing, 4th Main, 15 Cross, Malleshwaram, Bangalore-560055
Board Line[protected] Ext-204,
Toll Free:[protected]
Website-www.pnbhousing.com
cid:image007.[protected]@01CFFDBA.D9A11270

From: Gopinath beesetti [mailto:[protected]@hotmail.com]
Sent: Thursday, October 13, 2016 6:38 AM
To: Malleshwaram
Cc: Sandeep Talikoti; deepa.[protected]@ext.pnbhousing.com
Subject: Re: Loan details- BEESETTI GOPINATH HOU/MLS/0716/302117

Dear Sir,

Thank you for your valuable services.

I need only one favor from your team. Can I get the all the document set I have given to your team for processing.

I can collect from any of your branch or from your representative.

Thanks & Regards
Gopinath
From: Malleshwaram <[protected]@pnbhousing.com>
Sent: Friday, September 2, 2016 11:57 AM
To: [protected]@hotmail.com
Cc: Malleshwaram
Subject: Loan details- BEESETTI GOPINATH HOU/MLS/0716/302117

Dear Sir,

With reference to your request for refund of processing fee, we wish to inform you that processing fee is applicable as per schedule of charges
and same is non-refundable as per the terms and conditions of the loan application form signed by you.

We regret that we are unable to process your request for refund of these charges.

Assuring you the best of services.


Thanks & Regards
Gopinath A P
Customer Service Manager- Loans & Deposits
#76 HVV Plaza, 2nd Floor, B wing, 4th Main, 15 Cross, Malleshwaram, Bangalore-560055
Board Line[protected] Ext-204,
Toll Free:[protected]
Website-www.pnbhousing.com
India’s leading Home Loan Company | PNB Housing Finance
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