Dear Sir/Madam,
Ref: HDFC Home Loan A/C No- 602327772/SHIK - Noida.
We have received the cheque for the sanctioned home loan amount on (11 Aug) from HDFC Home Finance, sector 18 Noida office.
The total sanctioned loan amount and rate of interest were inline as explained by Nitin Sharma (HDFC Sales Team) but to my surprise additionally I have been charged Simple interest of Amt 15907 Rupees. And the reason which has been explained to me is that, system always charge EMI from 1st of each month hence as my disbursement is happening on 11 Aug (mid of the month), I will be charged interest for more 21 days.
My disbursement amount has been sanctioned last week of July month and it’s been suggested by Nitin Sharma that incase I delay in disbursement of sanctioned amount after 31st/July, Then increased rate of interest will be applicable (Which might get increased from 10.25 % to 10.75 %). And I have prepared myself for that but till yesterday evening I was not been updated for this additional charges though the interaction was happening for a month of time continuously from HDFC Sales team- Nitin. Now I can see that I am accounted for the charges which were never communicated to me.
I have raised the concern with National Manager of HDFC Sales, whom did internal check below is the mail from from Area Manager HDFC and acceptance of mistake
Dear Sir,
Customer had taken Rs. 26 lacs (appx.) loan on Unitech Uni-Homes property, his due date towards the payment was on 14th July'11 or 15th July'11, due to Noida issue he had taken extention from the builder till 11th Aug'11, as advice from his lawyer, you can refer the trailed mail where customer himself is telling that Arun and Nitin had spoken to him for the disbursement and the revised ROI from 1stAug'11, as they had not spoken to him on the pre emi, now the customer wants us to get the pre emi waived off. and that too after disbursement on 11th Aug'11. As its not possible for us. As per customer if he was aware of the pre emi he would have taken the extention from the builder till the month end. I had spoken to him on the telephone to communicate the same that we cant help him in this.
Regards!
Rachit Arora.
I am due to make this payment by 5th /Aug/11, Now i see no postive response from HDFC and been advised run pillar to pillar and ignoring my plea.
please help as i see myself being given false information and now been charged additional fees
Thanks
Santosh (91-8800513331)
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