I applied for Home Loan at Bank of Baroda in Noida, Sector 29 branch. They took the full processing fees for the amount that I wanted the loan, 30 Lakh and told the rate of interest as 8.5%. After 1 month of 'processsing' and numerouls follow ups they told me that your organization is not in our list of preferred ones so Ill be offered loan at 9%. By that time the check for processing amount got cleared.

Now they are saying that the amount will not refunded in full and are just saying that sorry for that. How can a Public Sector bank do like this and charged for the service that they haven't given to me yet. I'm cancelling the processing because they give false commitments to customers and don't tell the policies upfront.

Morover they say that since Im unmarried and don't own a property and an account with BoB, my credit score is less and so I can't be offered loan. How many homes does a person ought to have to get a home loan from BoB, I don't understnd this. They just believe in harrasing customers in false pretext of giving loans so that the processing fees goes in their kitty.

I urge all of you to not go for home loan with Bank of Baroda, atleast not with the Noida sector 29 branch