I am a Preffered Gold Club member of HDFC bank also holding my salary account with HDFC.
I am writing this email in shear disappointed with the treatment I got from HDFC bank with respect to a loan I applied.
Below is the history of events.
In november 2007 I had taken a personal loan from HDFC bank of Rs 3.59 lacs. After paying around 6 installments I had foreclosed the loan paying off the complete outstanding with 5% foreclosure charges. I have the loan foreclosure settlement copy as well !!!!

Now again in 2009 I called in the call center of HDFC to check the availability of the same loan.
The call center executive executive told me that I already have a PRE APPROVED loan of 3.59 lacs on the basis of your account transactions and committed that the amount would be disbursed within 3-4 working days.
I applied for this loan and submitted every relevant document to the executive and after 2 weeks of follow up I was told that the loan has been rejected because there was one EMI delay in my previous loan.
I had clarified that this one EMI bounce back was because of me being out of country for 2 months on official trip.
My disappointment here is that why was I told that the loan was pre approved? This is the treatment I got after being preferred Gold club member?

This has led me to false commitments at my commercial front seriously damaging my good will !!

What should I do in this regard? Now, I need the loan to keep up to my commitments and also to carry on with my financial plans which has seriously been hindered by false commitment from HDFC bank.