| Address: Rangareddy, Andhra Pradesh, 500072 |
| Website: hdfcbank.com |
Hi i have applied for a 3rd personal loan for 350000 in hdfc bank. I already have two loana with the same hdfc bank and paying emi on every month with consistance.
As i have urgent requirement applied for 3rd personal loan in same hdfc bank assuming that i get another loan with ease. Process done talked to agent submitted docs and waited for one week.
Now hdfc bank did my adress veriication but failed. I requested for another time, they did and this time they verified my address and loan got approved.
Some day after a week an executive called me from hdfc bank explained me the interest rate as 10.99% which is same as mentioned during the application.
Everything is done no extra details i heard from them and after lot of calls to sales executives finally i got inr 273990.
I am shocked to see that amount because i applied for 350000.
Now the calls to same executives started from my side, they calmly are then explaining their rules that 3 fresh loans cant be given hence 2nd loan got closed automatically and we deducted the second loan outstanding rom your third loan an credited your remaining money.
To my surprise no one from hdfc bank despite called me many times haven't explained me this scenario. And claiming its my mistake to not understanding this on my own. And also claiming that they had explained me everything and proceeded for the loan.
I am heavily against to preclosing my loan as i have paid almost complete interest amount to them till now (15 months), there is no benefit for me closing the loan.
My claim are :
1) i requested for a fresh loan specifically
2) no executive told me that i have to close my previous 2 nd loan. Even after approval also no one attempted to make me aware.
1) if i knew that i have to close the previous loan, i woudln't have accepted for the another loan with them.
3) in all the calls they repeated lot that my loan amount was 350000 only.
2) now after waiting for 3 weeks and lot of suffer without knowing any details about the loan which got closed i. E. Remaining outstanding payable, leftover interest and preclosing charges and without giving me this information and taking my consent how can the bank guys close my loan.
3) who has given them the authority to take my money from new loan.
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Loan 51281727.
And one more thing i forgot to mention that,
When i called to sales executive and told him that no one explained that one of my loans is pre-closing then he is claiming that as he was seeing there is some xls which was already filled up which mean that all the details of closing loan were explained with 100% sure. One thing i did not understand that if some thing is filled up in their side, then everything is explained to a customer? Shouldn'he cross check the person who supposed to explain me the details? Shouldnt i have the right to know?how can you blame that the customer is lying?
He is supporting his executive but not the customer ? And he never be sorry. Is this fair? Shoud i get blamed because i applied for a loan?