sir, i have completed my home loan in aug.2011 but hdfc was not intimeted me about it. my employer was deducted EMI and send to hdfc.2EMI . from 15.9.2011 i was visited 3 times in panvl branch they r giving me only future dates and dates.executive who attended me is not good communicator with customer.(young).
so u look in the matter and solve my complaint. last 10 years i hv good experience with hdfc but now its bad old staff is good than new one.
file no. 638820 panvel mr. rajendra k. shirdhankar.
email ID rajneel67@gmail.com
phone no 9967168885

sir, i have taken a home loan from HDFC in the year 2006.. while taking the loan, to increase the loan amount i needed to deposit a few securities like LIC and NSE certificate... i got one of my LIC certificate matured in the 2007, and informed HDFC people, they gave me the concerned documents and i deposited the same amount 30000 as prepayment... again i got one more LIC certificate matured in the same year and after getting the documents i made a prepayment of 25000 in the same month...
but i had one more NSE certificate whose maturity date was 13 septemeber 2009, for which i informed people at HDFC home loan branch korba(CG), and they said me that they would inform me after getting the documents from their head quarter.... despite contacting them a few times they did not provide me the document and i wrote an application letter to branch manager HDFC korba again requesting for the above mentioned documents of NSE on 30 october 2010.... now that it has been one year, i did not got any sort of communication may be it any letter, any phone call regarding the document. and i again contacted HDFC indore(the head office of this region), they told me that now the matters related to chhattisgarh state are handled at raipur, and gave me a number of raipur HDFC.. on contacting raipur HDFC on the same day, i was given a reply that we would contact you with all information in few days, and after two three days when i again ringed, i was told that it is month end , so we will contact you in 2-3 days... and again when i contacted them after few days, i was again given a number of HDFC bilaspur saying that they would provide me the details...
now when i ringed HDFC bilaspur, some person named Mr. naresh picked the call, and he said me that its not the responsibility of HDFC, its solely the responsibility of customer to keep on ringing HDFC people and keep on visiting branch to get information if they have collected the documents from there head office.....
the person talked to me in a very rough way and even once told that "jaao complain kar do, mai bhi keh dunga ki tumne kabhi written application diya hi nahi aur kabhi apne documents ke liye puchha hi nahi"... and on asking to get a detailed statement of reduction of EMI due to prepayment, the person replied that "since the rate of interest hav increased, your number of EMIs increased and again the date of last EMI is same as before as you have done prepayment" rather than providing detailed statement.....
now my question is that, if i fail to pay the EMI by the end of a month, people from HDFC call and remind me without failing, isnt it their responsibility to inform and send the security document of any person they keep with themselve?
secondly, inspite of me informing them about the NSE getting matured and asking them for giving the document back, even on giving written application to them, as they failed to give me document on time, will they accept that amount as prepayment on the prior date on which i askd them for document????
thirdly, even if i am right or wrong, is the person who is supposed to talk to customer on behalf on HDFC is supposed to talk to customer in a very rough way?
the person from HDFC bilaspur talked in a very rough way and said that forget about your earlier comunication, i dont hav to say anything about that. if you want your NSE document, come to HDFC bilaspur with photocopy of document or go to where ever you want to complain....
kindly provide me what sort of things i can do in such situation....
thank you
regards,
L L Sahu
ms.manish@gmail.com

I have given my original LIC policy to HDFC, Sector-8, Chandigarh as a security again my loan account No.600154922 Since, January 2011 to till date, I am regularly receiving reminder from LIC that My Money back of Rs. 40K is due for payment but as this policy was assigned to HDFC, hence they need to sent a request letter for release of this payment. Almost 9 months passed but still there is no revert from HDFC Bank. There is Irreponsible staff with bank and this is because of poor management review.

Naveen
8800335179

To whoever It may concern,

This is to inform you that i applied for HDFC home loan and got the file application number 602786713.Everything was running smooth at my end however for file processing amount My cheque got bounced as per the HDFC bank.I proactively submitted the amount in cash before it got updated in the system after consulting the executive at Munirka Home loan branch in Delhi.After that I received the postal letter for the same that my loan has been sanctioned and I needed to bring in the mortgage and NOC (no objection certificate)from RG Residency (property chosen to acquire) documents before the disbursement of cheque.I received a call from Abhishek in Munirka home loan that somehow it was a miss from the bank and according to their policies they cannot get the loan sanctioned.I already invested 6.3 lakhs and had applied for Home Loan of 13 lakhs for a period of 15 yrs. I invested so much of time energy and hassles in getting the documents and paper work done .None of the executives told me anything about this and I was made to believe i would receive the disbursement in 2 days.

Now I am being told something else.Just because in human error the cheque got bounced does it loose all my credibility as a consumer.I already paid it in ccash and even the bank acknowledged the same and sent me an approvals letter at my postal address.I maintain a good balance sheet and that is the reason I was considered for this Home Loan.I even asked Abhishek to talk to the Branch Manager but he said he would look into it and get back to us which he never did.I tried calling him but he was not available.Is it so hard to get a Loan. Over promise and Under delivery seems to be an issue for the middle class.I am a Genuine person and would really appreciate if someone gives me a positive answer on the same.

I had a complaint to MD office of HDFC Bank regarding Two Wheeler Loan in which the bank representative ask me to give a blank sign cheque without puting the name on cheque, so i had asked the same why blank cheque than the attendent told this is the formality you has to follow otherwise your application will not forwarded..
For the same i had point out the attention of HDFC Bank personal but reply is not at all satisfactory.The same had being mail to PNO of HDFC bank but not received any reply till date. I ask the concern authority to look my above complain & See that other should not suffer.

Jasmine G Mehta
Preferred Customer of HDFC Bank, Jamnagar
Branch code 1251
Cell No: 9328100102

I have an housing loan with HDFC. Have paid all EMI except the Last EMI.
The principle outstanding is Rs. 3700/- Interest out standing is Rs. 50. But HDFC is asking me to pay the full EMI Rs.80,000/-. IF I pay this, I am paying aprox Rs 76000/- more than what I own to HDFC. and thy don't return it.Therefore I am not paying. What is the remedy for this?

MY HDFC HOME A/C LOAN NO. IS 471100297. ON 05.05.11 AS PER MY SBI BANK A/C NO.3007767431 TWO EMI@ Rs. 6060 HAS BEEN DEDUCTED ON SAME DATE i.e. 05.11.11 THROUGH TWO DIFFERENT CHEQUES. PLEASE MAKE NECESSARY ARRANGEMENT FOR CREDITING ONE EMI AMOUNT i.e. Rs.6060 IN MY SBI A/C NO.3007767431 IMMEDIATELY. MY CONTACT NO.8862868544.

hello sir,
I have applied for home loan in your bank under the application no. of 602772097.
The bank has sanctioned Rs. 40 lakhs.I have paid the processing fee by cheque
amounted to Rs.11030.The legal report at final stage was not satisfactory, so the
loan amount was not disbursed.So please refund my processing fee as soon as possible.
Regards
Dr. Sukhvir Singh.

I have apply for plot loan (file no.602361822) through vaishali Ghaziabad sales office to HDFC Ltd Meerut,but there is no reply after many phone calls and follow ups.
Plz tell me what is the status of my loan approval (Processing fee by idbi Bank Moradabad DD No 003475 Dt.4/8/2011 Rs.11030.00 in favour of HDFC Ltd Delhi).
Regards,
Satyapal Singh
M-9412749937
Moradabad (U.P.)

Dear Sir,
Please see my communication below to HDFC Home.
They are smart that they take my FD money (pay 9% Interest) and Loan this to me at 11.75% Interest!!




> Subject: Offer from IDBI - File No: 358348088
> To: urhomeguide.chen@hdfc.com
> CC: pgiri@hdfc.com; urhomeguide.chennai@hdfc.com; pritam.wagh@hdfcbank.com; k.hemamalini@hdfcbank.com; giri@kapoorimaging.com
> From: giri@kapoorimaging.com
> Date: Sun, 20 Nov 2011 13:19:52 +0000
>
> Dear JyothiMadam,
> This is no Threat.
> I felt so Hurt when my money at HDFC earns less interest where as you charge me higher rate of interest. To me you have Loaned my money and take interest (sounds very ridiculous to me)
> If You don't come with right reply - I will move all my money and Home Loan to IDBI.
> Please do what is right.
> And IDBI is New to me I just walked in and see the offer they have made to me. Please walk into any IDBI and Check it for yourself.
> I was very disappointed that after banking with you for 14 years and having a great track record of maintaining 10 lacs balance most of the time you did not come forward with such a offer and I had to ask you.
> Please do not rub salt in my wound is my request to HDFC.
>
>
> Dear Sir,
> Greetings from IDBI Bank!!!
> With regards to the Housing loan take over we will be requiring the following documents:
> ➢ Loan outstanding statement
> ➢ EC for 13 years
> ➢ Parent document copy
> ➢ Pay slip for last 3 months
> ➢ Bank statement for 6 months
> ➢ For 16 for past two years
> ➢ Passport copy
>
> Note: As a Special Walk In Bonus we will not charge Loan Interest for the FD deposited in our Bank.
> (How it Works) Suppose you have taken a Loan of 20 lacs and you have a FD with us for 10 lacs we will charge you interest for only 10 lacs. This offer is only available with IDBI.
> And we are Govt Owned Bank, so your money is 100% safe.
>
> Please let us know the convenient time to meet you.
>
>
>
> Regards,
>
>
>
> Sandeep
>
>
>
> From: Giridharan Santhanam [mailto:giriis@hotmail.com]Sent: Wednesday, November 16, 2011 4:07 PMTo: sandeepkumar@idbi.co.inCc: GiriOffice
> Many Thanks & Warm Regards
>
> S.Giridharan
No;17 or Old No 13/2
South Road
West CIT Nagar
Chennai - 600035
Tel: 044 2435 0855
> E: giri@kapoorimaging.com
> M: +919884030519 / 9840050855







Begin forwarded message:

From: "S.Giridharan - CEO (Kapoor Imaging Pvt Ltd)" <giri@kapoorimaging.com>
Date: 8 November 2011 5:26:55 PM GMT+05:30
To: "HDFCHomeJyothi" <urhomeguide.chen@hdfc.com>, "HDFCHomePSGiri" <pgiri@hdfc.com>
Cc: "HDFCPritamWagh" <pritam.wagh@hdfcbank.com>, "HDFCNungambakkamHemamalini" <k.hemamalini@hdfcbank.com>, "AAGiriOFF Santhanam" <giri@kapoorimaging.com>
Subject: Shocked with PRE-EMI interest File No: 358348088
Reply-To: giri@kapoorimaging.com

Dear Madam,
When I came to Pick up the installment Cheque.
I was shell shocked to see your PreEMI has gone up from 9% to 11.75% in the last few month (I do not know I had to Check)

Saddest part is I have parked my funds 15lacs at HDFC nugambakkam in FD at 9 %.

Let me come to the Point.. Iam very clear!
I want HDFC Home to rework my interest rate and pass back credit for the excess amount collected these days. Please work out my New Rate of Interest and call me back Please.

Note:
I also read in Newspaper there is no more penalty for PreClosure.
SBI still charges 8% for first 2 years and I came to you for the service but I feel let down,
Many Thanks & Warm Regards

S.Giridharan
Kapoor Imaging Pvt Ltd
No 3 Masilamani Road
Balaji Nagar
Royapettah
Chennai 600 014
Tel: +9144 4347 1000
Fax: 044 4347 1020
E: giri@kapoorimaging.com
M: +919884030519 / 9840050855


Sent on my BlackBerry® from Vodafone

HDFC'S compliance of NHBs ruling on 19th October 2011 on UNIFORM INTEREST RATES FOR NEW & OLD CUSTOMERS


NHB has ruled on 19th October 2011 that HFCs should have uniform rates for new and old customers - it has further ruled that it expects compliance with immediate effect

I have two home loans with HDFC and like millions of others been pushed to the brink due to the multiple times the interest rates have been hiked.

I wrote to HDFC (all the way from branch office to state head) referring to this ruling and asking them when they will comply and when my interest rates will reduce

As of now (almost four weeks down) after some severe follow up - all that they have said is that they offer the option of buying spread (this again is nowhere spelt out on their site - you get this only after writing to the State Head and waiting for three weeks)

I need help in knowing my options and rights in this case

Sachidanand Kamat

I got my transfer deed registred at rohini sector 11 sub registrar office. Now, after almost 6 months of deed registration the legal department of HDFC fails to collect the tranfer deed from registrar office. No one replies to my mails, phone calls. they r not even confirming that they have misplaced it.

Hello,

I applied for Home Loan at HDFC and given processing fee of Rs. 11030.00+service tax.
At present I do not want to deal with HDFC as I am going posponding my purchase. So I want to get back the given processing fee from HDFC.

Could you please inform me the process to get back the fee ?

Waiting for your valuable reply urgently.

Regards,

Kirupakaran
9003098760

Sir,
I have applied for Housing loan on 08-11-2011.My application no is 603137977. I paid Rs.6618/- as processing fee
to HDFC on 09.11.11.When i conducted your official regarding the status, they told that all your file is ready
for loan approval except the address verification. But till date there is no address verification done at your
end and we could not able to register the flat due to delay at your end. .Make quick arrangements to sanction
the housing loan or return my all documents submitted at your end and also refund my processing fee to my
SBI,Gill nagar branch,ch-94 Account Number-31527788264.My contact no is 9840533534


Regards
S.Induprema