Punjab National Bank Housing Finance [Pnbhfl] — pathetic service and experience with pnb housing finance ltd (reference number - hou/mum/0618/549440 )

Address:

Mumbai City, Maharashtra, 400037

This is to bring to your notice the major dissatisfaction and terrible experience which I had with your home loan department.
With almost 6 months of mental harassment and criminal wastage of time and money I am here by writing to you so that you take necessary action and the same doesn’t happen with any other customer.
Below are the details of the incidents.

March 2018 –
Sanction Letter was issued (REF / HOU / MUM / 0318 / 503090)
All documents were submitted to your executives Vimal & Sudhir Pandey.
Rs 5900 Paid through Chq No - 235581
April 2018 –
All property documents submitted to Vimal for and Rs 4000 paid for Legal & Technical through Chq No – 235584.
Token amount given to owner.
Post that I was informed that my Legal / Technical has been cleared and i can go ahead with the Stamp Duty & registration process by your executive Vimal & Sudhir Pandey took 1000 rs cash for Franking.

June 2018 –

As suggested by your team members I got the stamp duty & registration done on 6th June.
Also all original documents i.e property / stamp duty registration / share certificate was given to Vimal for further process.
I was asked to submit NOC from society which I submitted on 6th July.

July 2018

I was told that the Sanction letters validity is expired and i need to again get a new sanction letter.
For which I again paid Rs 5900 through Chq no – 295588

Again I was asked to submit a Letter from society in the format shared by Mr Rajiv Ranjan, which I submitted in a few days time..
To get the letter I cleared all dues of the society which was Rs 20, 000.
Then they were delaying the disbursement for some or the other reason without any proper explanation.

Now the most hurtful and sad part is that I personally visited to Vile Parle Office & met Mr Vivek Vajpayee .

On hearing my issue his Mr Vajpayee’s response was “we do not entertain cases of such petty amounts”.

After submitting all documents, following all instructions, my question is

Why was I not informed if there was any issue with legal technical there and then?
Why was sanction letter issued for the second time if there was issue with legal technical, for which I had to again pay Rs 5900?
Why was society documents asked if the property was not cleared as per legal technical?
Why no intimation on the status of the loan, whether rejected / approved isn’t it your duty to inform about the status?

Understand the mental torment that I had to go through all this while, I have lost hard earned money on stamp duty and other multiple payments for sanction letters & legal technical verifications.
Now the stamp duty validity is also close to expiry.

I demand an urgent attention and resolution to my issue failing to which I will be taking legal action against the concerned.

I will share the required pictures of all documents that were produced by your team for final disbursement and my signatures were taken but still disbursement never happened.

Regds,
Ramesh M.
[protected]