To
DGM
HDFC bank
Subject:-regarding disbursement of home loan
Sir,
I myself Dr. Sangeeta Arya and my husband Dr. Anil Kumar Verma both are employed in state medical college. I applied for a home loan 17 lakhs against the property ZP079GF in Sushant city Meerut U.P.. Loan was sanctioned as per the letter dated: 25 Sep 10 undersigned by Mr. Sanjay. At the time of disbursement bank personnel Mr. Navin (HDFC Kanpur branch) refused to hand over the cheque to me, with an excuse that Ansals has not yet started the construction of property ZP079GF, so we could not give you the cheque unless the construction is started. I talked to the Ansals regarding this matter but neither construction of my property was started nor was satisfactory reply given to me by Ansals. After 4-5 months exercise I again asked Mr. Rishi Malhotra (HDFC Kanpur branch), will this problem be solved if this property is changed to property which is under construction in Ansals. Mr. Rishi Malhotra (HDFC Kanpur branch) discussed with some of his colleague and then assured, yes it is possible if your property is changed to property under construction. Although I was having 7 month pregnancy I went to Meerut and tried for the property which is already under construction. I found a property ZP53 an independent house costing around 33 lakhs (12 lakhs costlier than the previous one). To change my property I had to pay the change over fee and as the property is of higher cost I have to bear more financial burden. When I booked the new property an executive from HDFC Meerut branch Mr. Amit told me that we will get your loan sanctioned you just complete certain formalities. I discussed the same with Mr. Rishi Malhotra as he helped for the first loan taken by my husband Dr. Anil Kumar Verma against an Avas Vikas property at Kanpur. Mr. Rishi Malhotra told me that if Meerut branch is sanctioning the loan then there will be no problem in Kanpur also and you need not to give the processing fee again as it will be managed with previous sanctioned loan. Mr. Rishi Malhotra asked me to wait a day or two to get it confirmed officially. I waited and after two days asked many times from Mr. Rishi Malhotra to confirm that my loan will be sanctioned or not. There was no reply till 12 days. I again asked Mr Rishi Malhotra for the confirmation so that I can get the tripartite agreement from the builder for HDFC bank. Then it was told to me verbally by Mr. Rishi Malhotra that he has talked to his senior colleague and no need to worry as previous loan disbursement was stopped because property was in the apartment and no construction was started, but the present property is an independent house and construction has already been started so loan will be sanctioned. So even being 8 month pregnant I went to Meerut and brought the TPT agreement. I completed all other formality and submitted the TPT agreement in the bank. Mr. Rishi Malhotra told me that he has confirmed from Mr. Rahul and I can collect the cheque by tomorrow. Next day when my husband called him for the confirmation of time to reach bank for receiving the check then Mr. Rahul first time talked my husband and told that HDFC Meerut branch has made an objection that loan will not be sanctioned until 70 % construction is completed. Regarding my complaint my husband called to Mumbai customer care center on 01 – 08 – 2011 at 3:30 p.m., from where it was told that UP is covered from Lucknow and one phone number of madam Dipti Mittal at lucknow branch given to me. Then my husband talked to madam Dipti mittal and told her complete details of my problem. She said that I will call you back after confirming the whole matter from Mr. Rahul and its solution in your favor. We waited for her back call till 05 – 08 – but I didn’t receive any call from her. My husband again called her on 05 – 08 – 2011 at 5:30 p.m. but it was late so he couldn’t talk to her. As my husband tried twice or thrice from 01 – 08 – 2011 to 05 – 08 – 2011 between 3:00 p.m. to 3:45 p.m. to contact Mr. Rahul but couldn’t as all the time he was not on seat but on lunch. So my husband called Mr. Rishi on his personal number regarding matter but he gave the phone to Mr. Rahul as he was too sitting nearby. Mr. Rahul told my husband that we can’t disburse the loan due to non construction of the 70 % property. When my husband asked, you were saying that you will call me back when we talked before but why you didn’t. He said that he didn’t call me back as he already told me about the non disbursement. My husband told him that last time our loan disbursement was hold although check was prepared as told by Mr Naveen (HDFC bank Kanpur branch) and this time again loan disbursement hold although loan sanction was confirmed on phone by Mr. Rishi. Regarding this matter Mr. Rahul accused his colleague that how he has confirmed you the loan. So after that much discussion my husband asked, if builder claims fine for the late payment then who will be responsible and are we free to go to customer care or consumer forum and lodge a complaint by your branch and your name regarding our harassment being a customer? Then Mr. Rahul asked us to wait for two days so he can discuss with builder for not charging any late payment fee with same in writing to the customer (Dr. Anil Kumar Verma) and and he will too confirm us the same on mail, but till date we haven’t got any mail.
Being a customer we are too much harassed by HDFC loan section. If HDFC is not able to disburse me the loan then it could have informed me before so that I could have gone for another option. Now this has become fault at my part for the late payment to the builder. Who will bear the extra financial burden of this late payment and upto when I would be harassed more?
Why should not I go to the consumer forum against the bank for a full term pregnant female’s harassment? Why I should not go to other banks for the home loan and also for the takeover of previous home loan by other bank against Avas Vikas property at Kanpur?
Loan File no: 600400082
Dr. Sangeeta Arya
W/O Dr. Anil Kumar Verma
Assistant professor
Department of Obs & Gynae
GSVM Medical College Kanpur UP
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