Originally Posted by Unregistered

Dear Sir,

I have taken 5Lakh from HDFC on last year april, upto now i am paying 12003rupees for every month.

Like this I have paid 18 months and I am planning to preclose his loan, could you please suggest me for without preclose rates.

I have heard that, if you pay 2 years EMI, then you can eligible to close loan without precolse charges, is it correct?

Waiting for your response.

--
Regards,
CHITTIBONU MARAYYA MAHESH KUMAR.

Dear customer,

We request you to write to talktous@hdfcbank.com with your contact details and the reference number TTU0003788311020111. We will have a bank representative contact you.

Regards, Customer Assistance, HDFC Bank

Hi,

Recently i get PL from HDFC bank. and I paid 2 EMI and now i want to preclose my PL. Then only i will be eligible to get home loan amount what i expect.

So, plse advice me what i do.

Thanks,
Ravanan

Hello,

I have availed a personal loan from HDFC in the month April 2011. I was told before availing the loan when I have asked about terms and conditions, executive has informed me that I can foreclose my loan after 6months with 2% foreclosure charges. Unfortunately there was no proper documentation to be shown or discussed with the customer to educate them about the policies of the bank or loan. Documents came to me only after money was deposited in the account, to my surprise when was going through the terms and conditions, in prepayment clause I can close the loan after 12month with 4% foreclosure charges, immediately called executive he replied to me with an assurance that he will make the arrangement for me close the loan after 6months with 2% foreclosure charges.

Now, after 6 months when I have called the same executive, point blank he has replied to me saying that he has already informed me that I can't close the loan before 12months. Instead helping me, he simple guided me to the main branch at Hyderabad saying he can not do anything this case, if you as customer directly go to bank they will honor your request.

I have made all the efforts, but in vain.

Feels like cheated and humiliated by a bank employee who works for well known for "customer services".

Regards

Originally Posted by N S

Hello,

I have availed a personal loan from HDFC in the month April 2011. I was told before availing the loan when I have asked about terms and conditions, executive has informed me that I can foreclose my loan after 6months with 2% foreclosure charges. Unfortunately there was no proper documentation to be shown or discussed with the customer to educate them about the policies of the bank or loan. Documents came to me only after money was deposited in the account, to my surprise when was going through the terms and conditions, in prepayment clause I can close the loan after 12month with 4% foreclosure charges, immediately called executive he replied to me with an assurance that he will make the arrangement for me close the loan after 6months with 2% foreclosure charges.

Now, after 6 months when I have called the same executive, point blank he has replied to me saying that he has already informed me that I can't close the loan before 12months. Instead helping me, he simple guided me to the main branch at Hyderabad saying he can not do anything this case, if you as customer directly go to bank they will honor your request.

I have made all the efforts, but in vain.

Feels like cheated and humiliated by a bank employee who works for well known for "customer services".

Regards

Dear Sir/Madam,

We understand your concerns and apologize for the miscommunication over your loan charges. We will look into this from our end and take it up with the concerned teams. We request you to write to talktous@hdfcbank.com with your loan account and contact details, details of the branch that you visited and the reference number TTU000395705122011. We will respond once we receive your mail.

Regards, Customer Assistance, HDFC Bank

Hi, I am Bhoj, I took a PL of 750000 at HDFC bank on June 2011. I cleared 6 EMI's. Due to some undisclosable reason, I have to preclose my PL. But bank is telling, I cant preclose before 12 months. Please help me on how to preclose my PL.

i have taken a Personal loan from HDFC tenure 36 months and paid 5 EMI's so far but now i would like to pre close the loan and i am ready for paying the pre closure charges if any, but the hdfc official not allow me to close the loan. as a customer its my right to close my loan at any time and the approch from the bank is not suited for a customer oriented. Their attitude is just obey what we said. request you to support me to close the same

Originally Posted by Unregistered

Hi, I am Bhoj, I took a PL of 750000 at HDFC bank on June 2011. I cleared 6 EMI's. Due to some undisclosable reason, I have to preclose my PL. But bank is telling, I cant preclose before 12 months. Please help me on how to preclose my PL.

Dear Sir,

We will require a few details to look into your concerns. Please write to talktous@hdfcbank.com with your loan account and contact details, details of the branch you have applied at and the reference number TTU000398509122011. We will be able to assist you better with these details.

Regards, Customer Assistance, HDFC Bank

Originally Posted by Unregistered

i have taken a Personal loan from HDFC tenure 36 months and paid 5 EMI's so far but now i would like to pre close the loan and i am ready for paying the pre closure charges if any, but the hdfc official not allow me to close the loan. as a customer its my right to close my loan at any time and the approch from the bank is not suited for a customer oriented. Their attitude is just obey what we said. request you to support me to close the same

Dear Sir/Madam,

We will look into your concerns from our end and respond with an update soon. Please write to talktous@hdfcbank.com with your loan account and contact details and the reference number TTU000398609122011.

Regards, Customer Assistance, HDFC Bank

Hi,

I have a long lasting relationship with HDFC Bank for more than 7 years. I had 2 personal loans and a vehicle loan with excellent repayment track record. When I took the loan, I was sweetly told by the representatives that I can negotiate charges. Now, they refuse to waive a penny outright. Also, they have changed th pre-closure term from 6 months to 12 months. I am not able to pre-close the loan and am made to run from pillar to post. HDFC Bank over the last few years has become like any Govt. run banks where no one takes responsilibility and talks to customers/ understand the need/requirement. They are just going by rule book. The bank is going to Dogs. Because of a pressure from Aditya puri, HDFC Bank is going full swing to get into getting everyone into Personal loans.

Please do not take any lending from this bank. Later you will really repent.
If there is any one in HDFC Bank seeing this, please respond.

Regards,

Hi,

I took a personal loan in May 2011 from HDFC bank. Have paid 9 instalments till now and would like to foreclose the loan in March 2012. When I approached HDFC bank for foreclosure, I got to understand that the loan can be closed only after 12 months of intsalments. However, the bank is willing to close the loan from its end and offer me a top up loan! I thought this was appalling given the fact that I who have availed the loan cannot close my own loan because I want to do so, though the bank can chose to close my loan, provided I take another loan from them!Why cannot that right to close my loan be given to me even before 12 months? I have been a Classic customer for almost 8 years now, have never defaulted even on a single credit card payment. Cant the bank consider all this, and accept my request for pre-closure before 12 months?

As i took Personal loan from HDFC bank of Rs. 50,000Thousand, Now its been 5 already EMI Paid and i want to Close my loan and agreed to pay all required charges. As i am going to take Personal loan of approx 1 K. In case i wont prepay the personal loan i would not be eligible for 1 k personal loan in Axis bank. I am axisbank Employee, Only and only i have option that i have to pay personal loan before... Its request with HDFC bank.. Kindly allow me for prepay the personal loan and make me eligible for the 1 K Personal loan.. I would like to take Personal loan from u only.. Waiting for ur Reply....Thanx...

Dear HDFC Bank,

I have taken Personal loan for 6 Lakhs in Sep 2011 and have completed more than 6 months EMI payments without default. When I want to do a preclosure of the loan, it has been informed that I need to wait for 12 months to do a presclosure, which was not the case when I took the loan. As I need to take a home loan, request you to consider the closing this loan at the earliest. Can you please help me out?

Thanks
Sreekanth