Punjab National Bank Housing Finance [Pnbhfl] — Not closing loan for more than 2 months

Security.

Sir/ Madam,

I availed the plot loan from your finance company, Dehradun Branch, and it is being properly repaid in EMIs for months. But now I wanted to close my entire liability on this particular loan, as the balance outstanding is very less, also principal portion is mainly remaining in the loan.
I would like to state that I want to avail a Four Wheeler Loan and to arrive at the eligibility criteria in terms of repayment, I have decided to close one of my loans and submitted a request letter dt. 27.01.2023 to PNB HFL for closing my loan account with them, together with the Cheque (Cheque No. - 143155) of Rs 885/- collected by PNBHFL against the closure charges. I was then informed that I will receive acceptance letter of loan closure from PNB HFL within 21 working days of submitting the application for loan closure. But I have not received any acceptance of loan closure from their side, even after around 54 days of giving my loan closure application.
I would draw your attention on the fact that the amount of Rs 885/- was deducted and as per your company guidelines, I should have received my loan closure acceptance by 27th February 2023(21 working days from 27th Jan 2023).
I would further add to this that you don’t allow closure between 23rd and 6th of the months.
This means delay at your end is making me suffer and I won’t be able to close loan in March, though funds are available in my account well before Jaunary.

Kindly note that I called customer care weeks ago, but not received any call back from PNBHFL.
I further called Dehradun branch from where I availed loan and submitted loan closure request but no satisfying response was given by lady, who also refused to tell her name when asked, but she told that my case is being handled by Mr Kartik Semwal and he was not in office at that time. She then asked me to contact him on his number [protected] but this number was initially switched off and then his number was on waiting. He did not find time to call me back, so I am writing this email to you after getting no remedy for my simple issue.

I request you to let me know the reason for this delay and the person responsible for this.
This is not the kind of service, customer expects from its finance service provider, that too a reputed name like PNBHFL.

I am attaching 12 months loan statement of my account.

I further urge the PNBHFL to find out the person responsible and also let me know the same. It’s not a tedious task I believe.

Regards and thanks

Ajay Rawat
Loan account no. - HOU/DEH/0619/709554
Mobile No. - [protected]