HDFC home loan division
Intentionally rejecting my housing loan (479642207) by Mr. U. Bose (DGM GUWAHATI

Respected sir/madam,

I was apply a Housing loan along with my brother as a copartner on 15thmay 10. through your Guwahati branch with necessary document. After accepting my application from your side you visiting my Resident, site and office. Some days back I got a e-mail from bank asking some query then immediately I reply the mail. After two days I went to bank to know the status of my loan from Mr. Pankaj Dowarh (field officer) he verbally told me that my file is in sanction section and writhen 1 or 2 days my loan is sanction. But on the very next day I got a phone call from bank that the loan section authority (i.e. DGM) want to meet me, that is why I went to bank to meet him, but that day he was little bit busy with some high level official coming from Kolkata so he told me that he will call me latter. After few days he call me and asked me to meet him personally in his home I was surprise and asked him why should I meet you personally then he diplomatically asked are you required loan? If you don’t meet then your loan proposal will cancelled. Next day I went to bank to meet him along with Mr. Pankaj Dowarh. asked him why he want to meet me, but without any reason he told me that in bank guideline it is clearly mention that HDFC bank is not avail the loan who are for along with Copartner. Then I asked Mr. Pankaj. Dowarh why this problem is not detected in the very early state when the time of I apply the loan, then he convince me that he will discuss the matter with his senior and told me that your file is not yet rejected. But on 15/06/10 again Mr. Dowarh called me and told me that my file is return by DGM due to Personally discussion with me is not satisfactory.

sir, on 21/06/10 I went to HDFC Bank to meet DGM sir then I have come to know that my file has been closed (letter received on 21/06/10 regarding the closed of my file) and he verbally inform me my brother is a co owner of the land where we going to construct the house that is why he was unable to sanction the file.

sir, if you would be kind enough to clarify us to why the co-partner problem was not detected at the very 1st instant itself when it was submitted to you.

I was surprise to know why bank authority had waited for then one and half month to detect the above mention problem. Is there any clear guideline that if brother is a co partner then applicant aren’t avail the loan? sir bank authority has not give any clear information when they return my amount of Rs. 4500.oo (approx.) which they are taken as a processing fee.

Therefore I am totally helpless. I kindly request you to pleases look into the matter in your end. why such things are happened bank like HDFC.

This is for your kind information. Thanking you,

Your faithfully,

Kishore Das.

P.O. Changsari, Dist. Kamrup, pin 781101..

CENTRAL INSTITUTE OF PLASTICS ENGINEERING & TECHNOLOGY, GUWAHAT Govt. of India

Company: HDFC home loan division
Country: India
State: Assam
City: Kamrup Metropolitan

  <     >