[Resolved]  Punjab National Bank Housing Finance [Pnbhfl] — misuse of my credit score

Address:

Chennai, Tamil Nadu, 600001

My existing loans are [protected] & [protected].

I understand that my loan is not approved by pnb. I have took a loan already and this is a top up loan over the existing amount. I have repaid the loan amount for almost ten years without any dues. Loan was paid by us using a cheque since there was no ecs facility availed to us in spite of repeated request from us. Cheque were collected for two to three years in advance but to my surprise, i see that these cheques were presented on 25th of every month and a penalty for late payment is added every month which as accrued in my account. While applying for a loan, pnb, which does this heinous mistake itself claiming that the loan was not paid properly. No wonder that other banks may also come to the same decision. While you should know your customers and in spite of having a property worth ten times the loan amount is provided as a security, the bank has moved on snail pace to process everything.
The loan process itself took around two months. Being in a very dynamic world i have to take decision on move on and i decided to apply loans from other banks who were very quick in processing a personal loan in five days compared to your bank which took eons to process a secured loan.
While, your bank can make any decision on the loans which is processed by you, i went through a very grueling process and promises that i will get a loan if i pay the loan processing fees and the due amount which accrued due to the bank’s lethargic activities. I want complete refund of my loan processing fees and waiver on the late payment fee.
Also, i want an apology for the mockery played by the bank on my account on the late payment penalty added. This has spoiled my credit history and failing to do so, i will be complaining to higher authorities, write to appropriate customer forums. Several compliants registered on the following ids and bank does not give a damn about it.
Customer. [protected]@pnbhousing.com
[protected]@pnbhousing.com
[protected]@pnbhfl.com,
Chnsales2

I registered the compliant on august 24 and i have not got a solution yet other than just lip service. The escalation authorities also not working. The entire operations seems to be a mockery.