This is with regards to our Home loan application pending with LICHFL (File no. 6202002451). I am the applicant and my wife is a co-applicant.
Me and my wife are going through a very bad time with LIC Housing Finance: Pune Swargate Branch, Agent Mr. Subhash.
We finalized the property - for a ready possession flat and opted for LIC: "This now seems to be biggest mistake in our dream home plan."
LIC which seems to be one of the esteemed organizations, has now remained only on papers because this work has been given to some DSA, which is causing all these issues.
Due to the Agent's attitude and way of work and the customer service he provided, we are going through a really bad time.
We would like to elaborate in detail about this.
1. Registration of our flat was done on 1st June; for a READY POSSESSION flat (ready to move in house).
2. On 3rd June the documents were ready from Builder side too. The guy did not collect the documents, reason being "The advocate need all the documents, I will collect it later".
3. Also we had given him the “Search & Title Report” on 03rd Jun, which had an end date of 06th Jun. But he refused to collect it saying the end date is near. But when we checked the same with Advocate, he said “no need for a new search report” – “so is that the Agents have rules made by themselves”.
4. He delayed in sharing the NOC, template for demand letter [as per standard LIC format].
5. 8th June: we submitted our ORIGINAL Agreement to LIC through him. Paid the legal charges of Rs. 2930/. Also, the Cheque for remaining processing fees was given for an amount of Rs. 5618/.
6. On 23rd June, finally he collected the documents and showed to Advocate. Then he came around saying, “there is a document correction, some mistakes here and there """... almost at end of June month. This correction could have been done long before, if he would have collected the documents from us and submitted it to the advocate on 3rd June itself.
7. The Agent was hesitant in collecting the documents for last 2 weeks, never responded to our calls politely, has been throwing tantrums all the time. Giving some reasons like """""""its is not an auspisious Week to collect the documents """"""""
8. A month later, 3rd July - After keeping us awaited for whole 3 weeks, he turned up saying, "lets close this case asap” – Its purely because of the sales targets.
9. Finally we are going to pay one more month rent of 11K because of the Agent's negligence and delayed process in collecting the documents.
10. As Apr-Jun quarter has ended and he has already screwed us enough... now he feels to get the case closed ASAP, which could have been done a month ago...
Please let me know, is this the way LIC works, when it comes to Customer Service. This mail we should have sent long back, but always thought things would work out, as we believed in LIC.
Could you please help me out to clear my loan file at the earliest.
I would really appreciate an early response from you.
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