Ganga Sankhla Home finance Case:- Ashok marg Branch,Jaipur
Mr Deepak Parrekh/Renu Karnad,
(As HDFC itself don hav the face nor feelings so i wanted to write a name of humen)
Every man had a dream of his own house one day in his own name & their are many people who are redy to becum helping hand to chase out the dream___But we should awared of the threats too....
My problem starts from,when i started dreaming of my own house in jaipur,I started searching home that would become a dream housefor me,my wife & my daughter.
Finally my search end upon a flat(Bcoz rates are too high in the city in comprison to buy a land for self)and for that i need to arrange 20 lacs for sure(As per the conversation with broker),One of the loan executive of hdfc home finance Mr mahesh(Ashok marg branch) whom i meet at property broker's office assures me not to worry about my co. will give you a loan of 17 lacs by which you can easily makes your dream come true.....so i was relaxed that only i have to arrage 3 lac intead of 20 lac nd i am ready to pay EMI as i am working in a central gov, department so i arrange all the docs & submit to executive mr Mahesh on 1st jan(Before that i allready pay the token money 2 lac to the broker as an advance---and the 45 days of TAT(time allotted to) has started of as per the agreement means i have to pay remaining amount after the said period___i was convinced by the ppl bcoz everything going fine until & unless I had a call from Mr mahesh that your loan amount reduced to 15 lac & you have to club ur father as co-applicant(First time in life i heard that adding one more person<in elegibility limit reduces the loan amount normally it increase ur elegibility(As my father is also in Govt.Service))__But i was fine & don want to argue with banker & agrred for the same___butin few days again i had call from mr mahesh that file has kept with Ms Shivangi(Loan appraisal Exe.Ashok Marg Branch) and it reduced to 12 lac i was helpless what to do men, what kind of service is that__On the same elegibility loan amount not issued but reduced by Everyday But abouve all, this become height Wheni called up by Mr Mazid that We can give a loan of 8 Lacs only___I guess they trying to say(You love to take or rather leave it before it reduce again by Us)
i don know what wrong wid these guys.....it will take 20days to say we r not able to give you a loan of 17 lacs...OMGodIf a govt servant suffers from this what a private player go through with we can't even imagine seriously.
Previously we had a loan from HDFC and the track record of mine was like Mr. Clean A/c no-521996268HD....Also my younger brother take 3 lac loan from hdfc at ajmer and he already paid the said amount completly,we had calls from HDFC ajmer that If we wana avail more loan they welcoming for the same...we were vry loyal customer before all this hapen?????
My few question from the org..
1. Why you people (Branch Exe.,Head)giving loan assurance when its not your cup of tea.
2. The ppl u recruit for selling loans are completly lacking in knowledge,& they sale like they give loan from their own pocket.
3. Why org.will take 20 days to process the case as the property dealing is so sensetive market in Jaipur.
4. What if i lose my token money after 45 days in case i am not able to arrange the remaining amount
4. Why should i not forge a complain to banking Ombudsman????
Now i gave u time for revert of 2 days,after that i take necessary action.....thanx for the service..
Diler Singh Sankhla,