[Resolved]  HDFC Bank Bank Loan Division — Auto loan cancellation and closure

Sir,

Please check the below mails for details. I have booked a loan and lost my credibility and patience and not able to concentrate on my work because of this incidents and i want this to be resolved at the earliest. Please help me out on this.

I have all the documents with me but i dont know how to attach here.
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FW: Reversal of Auto Loan R Hari Prasad‏
From: Hariprasad raja ([protected]@hotmail.com)
Sent: 09 October 2008 14:43PM
To: [protected]@hdfcbank.com
Cc: [protected]@hotmail.com; [protected]@yahoo.com

Security scan upon download
1.jpg (435.9 KB), 2.jpg (214.2 KB)
Hi

Please check the below mail which was sent on 10/06/2008 but i have not received any reply till date from them So please check the below mail with attachments. Please make sure that this issue is closed ASAP else i may need to go for a complaint in complaintsboard (Under RBI).

Thanks
Hari

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Dear Mr. Prasad,

Thank you for writing to us.

This is with reference to your e-mail dated October 06, 2008.

We are unclear on the nature of your query on the basis of the contents of your mail.

Please elaborate on the same in your reply so as to enable us assist you at the earliest.

Awaiting your response.


Warm Regards,
Sandhya Nair
Customer Support
HDFC Bank Ltd.



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From: [protected]@hotmail.com
To: senthilnathan.[protected]@hdfcbank.com; sivaramakrishnan.[protected]@hdfcbank.com; tw-auto.[protected]@in.hdfcbank.com; jovial.[protected]@hdfcbank.com; [protected]@hdfcbank.com; kalpesh.[protected]@hdfcbank.com; [protected]@hdfcbank.com
Subject: FW: Reversal of Auto Loan R Hari Prasad
Date: Mon, 6 Oct 2008 09:17:23 +0000






Hi,

I am Hari Prasad from Chennai (Car Loan Ac#[protected]. For my wedding day (07/09/2008), I have booked for an Alto LXI car at Kapico Motors on 31/08/08 and subsequently booked a loan with HDFC thru Mr Vijay (HDFC Loan Executive) for an amount of Rs. 2, 20, 000.00. The loan was approved and an amount of Rs. 2, 10, 596.00 was sent to Kapico motors on 05/09/2008. Since the service provided by Kapico was not satisfactory and since I was very much disappointed with them I thought of canceling the above loan so I tried to check with Mr Vijay about the cancellation procedure but Vijay was delaying many days by not picking the call and then by saying that he went to outstation and will be back tomorrow (likewise delayed for nearly 5 days) and I thought speaking with this guy is worthless and I went to T nagar HDFC Bank loan division GN chetty road and I have cancelled the above loan on 16/09/2008 by paying an amount of Rs.1000.00 and as per the person at the loan division my loan was booked under the name of Mr. Illavenil Subramaniam. So on the same day I went to Loan processing division at Nelson Manickam road and met Mr Illavenil Subramaniam and issued the copy of the cancellation letter and the challan for Rs.1000.00 (that I paid towards cancellation charges).

I continuously called Mr. Illavenil Subramaniam to check on the status but he was not picking the phone and i[censored]nfortunately by mistake if he attends my call (Since he doesn’t pick up my call when I make call from my mob# I used to call from my friends or my dad’s mob #’s to speak with him) he used to say that it will be closed in 2 days but he has not made any steps to close this loan so I have called Mr Diva Shanmugam and Mr Kamala Kannan @ HDFC Anna nagar branch they were the guys who referred Mr. Vijay to me and they have called Mr Illavenil and Mr Vijay on this but there is no reaction from Mr Illavenil or Mr Vijay. I have again visited and met Mr Illavenil but the reply was the same.

Suddenly One day Vijay called me and said that the Auditing is going on in Nelson Manickam road branch and he is not allowed inside the Premises so asked to put pressure on Illavenil Subramaniam to close the above loan and also the bank is holiday for 3 days (30/09, 01/10, 02/10) and else the first EMI will be coming to my Bank account. Since Illavenil was useless and not even attending the customer with proper response and treating me as a fool, I thought it will good if I can go again to T nagar branch to know the current status and went on 27/09/2008 and as per gayathri at loan division the amount that have sent to Kapico have not been refunded yet to HDFC (This is the status that I got) So again I went to Nelson Manickam road branch on the same day to enquire the same and met Mr Illavenil, he again received a copy of the cancellation letter and challan (as if I came for the first time) and went in and then came out after an hour and said that they will be receiving money back from Kapico on Monday 29/09/2008 and asked me to call on Monday.

I have raised a complaint to the Maruti Company on 27/09/2008 saying that the money is not refunded to HDFC by Kapico and were delaying unnecessarily.

Again I called on Monday but he has not picked my number so I again tried to reach him on Tuesday and I reached his mobile and he said that on Monday (29/09/2008) they received the money back from Kapico and it will be closed and I have to give a cheque for Rs.1659 as the interest towards the loan amount and since 01/10 and 02/10 were holidays he said he resides at Anna Nagar and will collect the cheque from me and asked me to call on 01/10. But when I tried to reach him on 01/10 & 02/10 he has not picked the phone. So I went again to Nelson Manickam branch on Friday (03/10/2008) and met Mr illavenil, he said that the interest amount has been increased and I have to issue a cheque for Rs. 2029 and nothing can be done. I enquired him that when the amount was sent automatically to Kapico by Fund transfer by HDFC (from your end) and I have not given a cheque or DD for this amount of 2, 10, 000.00 why not this amount can be retrieved from your end but Mr Illavenil said it is not possible to do like that and they have delayed it unnecessarily and they got the money back only on 29/09 then I asked him that you have told me that you will collect the cheque on 01/10 but since there was no response from you I came today (03/10) and atlast he agreed to that and got the cheque for Rs. 1659. I want to highlight you one more thing when I was sitting in the room Mr Illavenil received a call from the General Manager ABT Maruti and was shouting him because of poor service done by Illavenil and after the call was disconnected, Illavenil was shouting and scolding that GM with very bad language sitting in front of me. I was very much shocked in hearing such words.

On 04/10/2008, I received a call from Ms Viji from Kapico saying that they have sent the advice on 18/09/2008 to HDFC and they have not delayed from their end.

I want to bring the below points to your notice –

When the money is sent back to HDFC on 18/09/2008 why your guys said that they have not received the money back and they received it only on 29/09/2008.
Not picking the customer phone calls and not giving any proper response to the customers.
Not taking any steps to close the account, unnecessarily delaying things.
Collecting more money thinking that customer should be penalized or suffer by charges.
Collecting the documents (Cancellation letter and challan) and not reacting to that and asking to submit again.
Booking done by Vijay and was booked under the name of another person Illavenil without the customer knowing the fact.
Using bad languages on the customers in front of another customer.
When the money is sent back to HDFC on 18/09/2008 why did your guys said that they have not received the money back and they received it only on 29/09/2008 are you making fun of me or you guys making money out of me is that not cheap to lie a customer when you have received the money back. Such a big Worlwide fame HDFC bank is handling customers like this and cheating customers like this. Actually your guys used to say that I am a classic customer of yours but I feel ashamed of being a customer of such a Bank with Employees having very bad attitude and treating the customers very cheap I have account in other banks also but I have never, ever seen such bank employees like Illavenil or Vijay. Please have genuine person in your bank who respect others and handles the customer in proper way.

Please find the below attachments –

1. Cancellation letter (1.jpg).

2. Challan for Rs.1000.00 (2.jpg).

3. Mail from Ms Viji (Kapico Motors) (See below)

Hari Prasad








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From: [protected]@kapicoindia.com
To: [protected]@hotmail.com
Subject: FW: Reversal of Auto Loan R Hari Prasad
Date: Sat, 4 Oct 2008 16:40:03 +0530


Dear Sir,



Pls find the advice which we have sent to HDFC on September 18th.



Regards



Y. Vijayalakshmi

Sales Manager




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From: Srinivasan [mailto:srinivasan.[protected]@kapicoindia.com]
Sent: Saturday, October 04, 2008 4:21 PM
To: 'VIJI'
Subject: FW: Reversal of Auto Loan R Hari Prasad
Importance: High





FYI


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From: Raja [mailto:[protected]@kapicoindia.com]
Sent: Thursday, September 18, 2008 1:05 PM
To: 'Niranjan'
Cc: 'Narayanaswamy'; 'Srinivasan'
Subject: FW: Reversal of Auto Loan R Hari Prasad
Importance: High









FYIP



Thanks & Regards

R.Raja
KAPICO MARUTI
NO.309, POONAMALLE HIGH ROAD
KILPAUK, CHENNAI - 10
Phone No : 42859970
Mobile No:[protected]




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From: Raja [mailto:[protected]@kapicoindia.com]
Sent: Thursday, September 18, 2008 11:48 AM
To: 'Senthilnathan.[protected]@hdfcbank.com'
Cc: 'Sivaramakrishnan.[protected]@hdfcbank.com'; 'tw-auto.[protected]@in.hdfcbank.com'; 'Jovial.[protected]@hdfcbank.com'; '[protected]@hdfcbank.com'; 'Jovial.[protected]@hdfcbank.com'; 'Kalpesh.[protected]@hdfcbank.com'; '[protected]@hdfcbank.com'
Subject: Reversal of Auto Loan R Hari Prasad
Importance: High








Dear Sir,

Loan A/c No 13769714 Cus Name Mr R Hari Prasad.


The Customer has cancelled the Vehicle due to some personal Reason. Please reverse the Loan amount in our Inventory Funding account.

We have received the Amount of Rs, 2, 10, 596/- From HDFC

Please do the needful.

Thanks & Regards

R.Raja
KAPICO MARUTI
NO.309, POONAMALLE HIGH ROAD
KILPAUK, CHENNAI - 10
Phone No : 42859970
Mobile No:[protected]

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