Based on my experience with LICHFL, i can tell that it is one intitution full of lethargic people who do not want to work and helping you with anything at all is the last of their preferences. First of the agent gave me incorrect information about prepayment before i tool the loan when i raised it with him on reciving the documents, he and the branch manager behaved so innocently as if they didnt know what happened. The manager, with a mischevious smile told the agent, 'aise mat kiya karo customer ke saath' and thats it. This is least of the issues. When i took the loan three years back they offered me the loan at 9.25% and in less than 1 year raised it to 10.25 and another 6 months down the line to a whooping 11.65%. The staff is incredebly incompetent, rude, shameless and uncooperative. Just recently i got a post from them saying that EMIs hasnt been paid for xyz months and surprisingly nothing on the mail except the account number was correct, the EMI amount, nothing. Shocked, i immediately checked my accounts and saw that everything was in order, mailed them atleast about 10 times but got no response, called them and got nothing but the 'most shameless excuse that govt banks and Fin corps throw' - "SERVER NAHIN CHAL RAHA, KAL PHONE KARNA", "ABHI SERVER NAHIN CHALEGA TO HUM KYA KARE". This went on for 5 days before they told me that it was a charge applied to my account since one of the cheques i issued to them for prepayment had some signature issues and they sent me a EMI missed notification. Complained so many times asking clarification as to how am i supposed to know that theres been such an issue and if the intimation i get is missed EMI, no response till today. They keep telling all customers to pay prepayment charges knowing full well that NHB (national housing bank - parent body governing all housing fin corps) has abolished all prepayment/closure charges. Also NHB has given a directive to all HFCs to ensure that existing customers should not be charged a higher rate of interest as compared to new customers but this is a directive clearly ignored by LICHFL. Not to forget small requests such as address changes, contact number change for which i had to request in written about 5 times and complain for it to happen (even that done, incorrectly/incompletely). I havent come across such shameless set of people as these guys and feel sorry for the state of affairs in the coutry where such people with no sense of accountability or responsibility flourish on tax payer money. Must also mention that though these people have official mail ids none of these are being used, they use gmail not realizing that a public mail service can and must not be used for communicating to customers as such communications can be sensitive and privacy of data remains an issue. WORST EXPERIENCE EVER. SHAMELESS JOKERS.
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