Getting threatening calls & mails from HDFC after loan disbursement regarding the completion of IGR process.
There are multiple issues here:
1) I am not informed about the IGR charges and ownership till the loan has been disbursed & first EMI has been deducted so as per banking ombudsman guidelines, with prior information no process & charges can be imposed on customer.
2) I have the mails from HDFC Ltd where itís stated that no other charges are involved after the loan approval since I have loan approvals from multiple banks like ICICI & HSBC
& wanted to go with the bank having minimal charges involved.
I have been clearly told there are no other process/charges involved & with that confirmation only I went ahead with loan disbursement from HDFC.
Now after loan disbursement & 1st emi payment, I have been told about the IGR process.
I am getting threatening mails now to get that process completed else 30k penalty will be applied.
Checked with other banks have been informed that its sole responsibility of bank to complet the IGR process & not the customer.
In order to get rid of threatening calls & mails from hdfc executive Ranjeet Shetty (Mumbai hdfc head), I paid the required amount for IGR but that was not the end of harassment.
Now they are asking me to go to registrar office & get the loan registered with hdfc which I have no idea.
I am facing unnecessary harassment from hdfc officials, have raised the issue to higher officials but did not get any reply since 20 days.
Can anyone suggest the way out.