Self — hdfc personal loan

Address:

Pune, Maharashtra, 411041

Hi team,

I am looking foreclosure letter for my both personal loan account. Actually my second loan is just kind of fraud with me. As per discussion with bank representative it will my additional loan top up but which was not, it comes fresh personal loan. When i ask more details it found that the top up loan request was rejected and they took case as fresh loan. I follow many time with representative but no answer just false commitments. When i got to know that the actual fact/condition of my loan then i requested to merge the loan but for that also took so long to respond back. Representative is keep saying that sir this is in progress, this done only waiting for final confirmation, server down so many excuses rather giving proper update/solution they misleads me. At last when we utilize the money then ask to repay the amount for old pl with closure charges.

Here is my question:
Why customer need to pay any penalty when there was bank representative mistakes?
Why customer need to keep 2 pl and pay unnecessary excessive interest rate when there is no mistake from customer?
Why reputed bank is not guiding their representative in right direction to avoid false commitment?
Why bank representative misleading customer when they are not sure about their bank policy?

Above all if you need any proofs regarding the same i have communication chat with me which will share if needed.

Also in any condition i am not willing to keep any relation with hdfc bank hence please share me the details and foreclosure letter for my both pl so i can ask my bank to create one combine cheque/dd to repay the amount to do full settlement. Personal loan details as below.

Old pl number : 53121329
New pl number : 60974705

Regards
Abhijit

Chat communication with bank representative:
[14/09, 12:52] ‪+[protected]‬: hii
[14/09, 12:53] ‪+[protected]‬: good afternoon sir
[14/09, 12:53] ‪+[protected]‬: pranali
[14/09, 12:56] ‪+[protected]‬: doc - 1photo, pancard, aadhar card, current address proof, latest 3 month salory slip, latest 3 month bank statement to till date, 2 month card statement & card front copy, company id.
[14/09, 12:56] ‪+[protected]‬: email id - [protected]@gmail.com
[14/09, 14:31] vrj: hello
[14/09, 14:32] vrj: docs sent
[14/09, 14:36] ‪+[protected]‬: k
[14/09, 14:37] ‪+[protected]‬: i will chack
[18/09, 15:39] vrj: l904 sun universe, near navale bridge mumbai banglore highway, narhe pune 41 sun universe
Survey no. 51, phase 2, mumbai - bangalore highway next to navale lounge, phase 2, wadgaon budruk, narhe, pune, maharashtra 411041
[protected]

https://maps.google.com/?cid=[protected]
[18/09, 15:43] ‪+[protected]‬: sir, plz me address
[18/09, 15:43] vrj: already sent...
[18/09, 15:44] ‪+[protected]‬: k sir
[18/09, 15:44] ‪+[protected]‬: thanx
[19/09, 10:34] vrj: hi pranali...
Document handover to agent... Can you tell me how much total loan approve..
Regards
Abhijit ratnaparkhi
[19/09, 11:19] ‪+[protected]‬: total loan : 6, 81000 lac approve
Existing loan outstanding - 4 lac
Fresh loan bt+ topup - 2, 81000
[19/09, 13:50] vrj: anuradha abhijit ratnaparkhi
03/09/1983
Wife
[20/09, 15:33] vrj: dear sir, loan application of abhijit ratnaparkhi of personal loan, los no. 60974705 is disbursed for loan amt 686336 tenor 48 emi 17973. Rgds-hdfc bank ltd t&c apply
[20/09, 15:34] vrj: my bank today transfer:

Your account 270xxxx3857 has been credited on 20/09/2018 by inr 580, 851.00 through rtgs.
[20/09, 15:35] vrj: so here now 1 lac transfer to rbl and 4 lack will go to existing loan account...
[21/09, 20:05] vrj: hello... Can i know update... Regarding my personal loan... My old personal account number 53121329 is going to close and new account number 60974705 will continue right... Please share me exact details...
[21/09, 21:50] ‪+[protected]‬: sir, kal pura details deti hu
[24/09, 10:59] vrj: hi
I am waiting for detials..
[24/09, 12:45] ‪+[protected]‬: sir, 3pm tak details deti hu
[24/09, 13:38] vrj: ok.. Will wait... Thx
[24/09, 17:16] vrj: hi
I am waiting for detials..
[24/09, 17:21] ‪+[protected]‬: sir, forward kiya he credit maneger ko
Oh details denge
[24/09, 18:38] vrj: when i can expect the answer...
[24/09, 18:54] ‪+[protected]‬: call kiya tha apko apka ph. Hi nahi lag raha tha
[24/09, 18:55] ‪+[protected]‬: kal confiorm batati hu
[25/09, 12:22] vrj: please send me details...
[25/09, 12:23] ‪+[protected]‬: sir, apko dd mila kya credit card bt kiya uska
[25/09, 12:26] ‪+[protected]‬: sir, 1.30 tak timing do mail kiya he maneger ko aaj deti hu sir apko details
[25/09, 12:28] vrj: no dd recive
[25/09, 12:45] ‪+[protected]‬: k
[25/09, 14:53] vrj: did u get any updates...
[26/09, 11:03] vrj: a. [protected]@gmail.com
[29/09, 13:07] vrj: hello... I reached at boat club bank... Where is the exact bank
[29/09, 14:55] ‪+[protected]‬: sir, aap bank me ho ki ghar aye
[29/09, 15:02] vrj: outside now...
[29/09, 15:09] vrj: please get clear the issues... I do not wish to pay any extra money... No penalty...
[29/09, 15:14] ‪+[protected]‬: u will not get any penalty
[03/10, 15:44] vrj: what is the status regarding my loan case... Where we are now
[04/10, 15:09] vrj: l904 sun universe, near navale bridge mumbai banglore highway, narhe pune 41 sun universe
Survey no. 51, phase 2, mumbai - bangalore highway next to navale lounge, phase 2, wadgaon budruk, narhe, pune, maharashtra 411041
[protected]

https://maps.google.com/?cid=[protected]
[04/10, 15:43] vrj: ask represantative well before 11am... Later i am leaving for office and return back late night 12 am
[05/10, 09:49] vrj: cheques given to represantative yesterday...
[05/10, 16:09] vrj: did u recive cheques...
[05/10, 16:10] ‪+[protected]‬: s
[05/10, 16:11] vrj: ok.. Thx
[06/10, 10:09] vrj: today i have seen that emu deducted from my account...
[06/10, 10:47] ‪+[protected]‬: sir loan marge karne ke liye chack diye he
[06/10, 11:06] vrj: your account 270xxxx3857 has been debited on 06/10/2018 by inr 17, 973.00 towards your cheque number 000066. You can also transfer funds instantly using our 24x7 online banking facility at www.sc.com/in - stanchart
[06/10, 11:06] vrj: i am talking about this..
[06/10, 11:15] ‪+[protected]‬: sir plz give me a time
[08/10, 13:37] vrj: what is the status regarding my loan case... Where we are now
[08/10, 14:32] ‪+[protected]‬: sir chack submit kiye he process me he
[09/10, 12:49] vrj: what is the status regarding my loan case... Where we are now
[09/10, 12:54] ‪+[protected]‬: sir 2 days me ho jayega
[10/10, 13:25] vrj: what is the status regarding my loan case... Where we are now
As i told u that there are 2 emi ongoing i am not wish to pay both emi but now from my account emi got deducted...
[12/10, 12:24] vrj: what is the status regarding my loan case... Where we are now
[12/10, 12:26] ‪+[protected]‬: sir aaj ya kal tak ho jayega
[15/10, 14:27] vrj: what is the status regarding my loan case... Where we are now
[15/10, 14:36] ‪+[protected]‬: aaj ho jayega
[15/10, 15:58] vrj: what will be estimate timeframe??
[15/10, 15:58] vrj: also what will be tentative emi??
[15/10, 17:53] vrj:???
[15/10, 17:58] ‪+[protected]‬: if your loan merge i will tell all total
[15/10, 17:59] vrj: when it will get merge... Almost now 2 week...
[15/10, 18:01] ‪+[protected]‬: server down before 3 days sure i will merge tom
[15/10, 18:03] vrj: you said today will fix... And now ur saying tommorow...
[16/10, 11:03] vrj: what is the status regarding my loan case... Where we are now
[16/10, 11:56] ‪+[protected]‬: sir aaj ho jayega
[16/10, 13:09] ‪+[protected]‬: loan marge karne ka approve ok aya he
Abhi issue nahi he
[16/10, 13:14] vrj: so what will be the emi??
[16/10, 13:28] ‪+[protected]‬: emi will come in between 24000
[16/10, 13:30] vrj: so when i can expect exact details...
[16/10, 15:42] vrj: any update
[16/10, 16:05] ‪+[protected]‬: if loan merge then i will give details sir
[16/10, 16:21] vrj: still it not yet merge...
[16/10, 16:23] ‪+[protected]‬: believe me
[16/10, 16:24] ‪+[protected]‬: sure sir it will merge today
[16/10, 19:17] vrj: not get any update...
[17/10, 13:06] vrj: any update
[19/10, 09:27] vrj: what is the curunt status... Share latest update...
[19/10, 15:25] vrj: what is the curunt status... Share latest update...
[19/10, 15:41] ‪+[protected]‬: sir loan marge approve ok he
Aaj ho jayega
[19/10, 15:49] vrj: loan merge ka approval to paheli hi tha magar merge hua ki nahee... Ye update chahiye the... Bahot din hogaye kuch details nahee hai...
[20/10, 14:24] vrj: what is the curunt status... Share latest update...
[23/10, 18:37] vrj: can you tell me the last and final status.. Is it merge or not... And what will be final monthly emi...
[25/10, 09:17] vrj: can you tell me the last and final status.. Is it merge or not... And what will be final monthly emi...
[27/10, 17:06] vrj: can you tell me the last and final status.. Is it merge or not... And what will be final monthly emi...
Is it really you did merger or not... No update or any feedback...
[29/10, 14:08] vrj: can you tell me the last and final status.. Is it merge or not... And what will be final monthly emi...
Is it really you did merger or not... No update or any feedback...
[29/10, 16:10] vrj: can you tell me the last and final status.. Is it merge or not... And what will be final monthly emi...
Is it really you did merger or not... No update or any feedback...
[29/10, 18:22] vrj: can you tell me the last and final status.. Is it merge or not... And what will be final monthly emi...
Is it really you did merger or not... No update or any feedback...
[30/10, 10:40] vrj: can you tell me the last and final status.. Is it merge or not... And what will be final monthly emi...
Is it really you did merger or not... No update or any feedback...
[30/10, 14:36] vrj: can you tell me the last and final status.. Is it merge or not... And what will be final monthly emi...
Is it really you did merger or not... No update or any feedback...
[30/10, 19:00] vrj: can you tell me the last and final status.. Is it merge or not... And what will be final monthly emi...
Is it really you did merger or not... No update or any feedback...
[30/10, 19:40] vrj: i have seen that... Loan merger not done at all... Which is really not good... As a many calls.. Disscusions none of taking seriously...
Dear customer, emi of rs 17973 due on 06-nov-2018 for loan a/c 60974705 will be presented on 09-nov-2018. Visit http://bit.ly/1cqqRYm to know more.
[30/10/2018, 20:29] ‪+[protected]‬: kal seniour ko call karne bolti hu apko
[30/10/2018, 20:33] vrj: it's to late..
[01/11/2018, 16:41] vrj: dear customer, emi of rs 13165 due on 07-nov-2018 for loan a/c 53121329 will be presented on 09-nov-2018. Visit http://bit.ly/1cqqRYm to know more.
[01/11/2018, 16:42] vrj: this is second evidence... That prove you did not merge any loan... Really shame... And irresponsible...
[01/11/2018, 16:56] ‪+[protected]‬: i m personally going to branch trow. I will call u fm there. Really sorry for the inconvenience.
[02/11/2018, 16:15] vrj:???
[02/11/2018, 16:43] ‪+[protected]‬: meri seniour branch me gayi he
[05/11/2018, 14:15] vrj:???
[09/11/2018, 09:04] vrj:? Mm
[14/11/2018, 15:43] ‪+[protected]‬: i m really sorry for the inconvenience. I really appologise