For some personal reasons I had availed of a personal loan from HDFC, since I already had a loan going on with them. Before I had enrolled for the loan, the telly banker used to literally call me on a daily basis.
Finally, I decided to go for it, and discussed with the phone banker, about getting a personal loan for a tenor of 60 months. I spoke to a girl by the name Surekha, she assured me that, she would have an executive get the documents signed by me and she would fill up the necessary details in them. We went through all the formalities, and she called me and told me all the terms according to a 60 month tenor loan. But, when I get the confirmation letter from HDFC I notice that for some weird reason my tenor showed 36 months and my EMI had gone up by more than Rs. 3000/-. That came as a shock to me, as it threw all my budgeting for a toss. I called up Surekha to ask her to get it corrected, but I that I got was a run around. Finally, I got exasperated and threatened to close all my accounts with HDFC and mention in the foreclosures forms the names of her and her credit manager. That is when she finally proceeded to get another document processed and assured me that things would be fine at the end of it.
But, alas!!! That was not to be the case. She called me today to inform me that in the first month I would have to pay 2 EMI one for Rs. 9741/- and the other one for Rs. 6332/- and the one for Rs. 9741 would be refunded in 15 days time. This was ridiculous, I was getting impacted because of an error on the part of the bank official, and the bank would not even pay me the interest for the 15 days that would be using the funds.
I have now decided to get all my loan accounts with HDFC closed and never bank with HDFC again.
Anup,
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