This is Bhaskar Rao Mylapalli from Hyderabad. I have Preclosed my HSBC personal loan and even after that monthly EMI has been deducted from my bank account. I have suffered a lot with this irresponsible transaction done by HSBC. Due to this reason cheque worth Rs.6692/- that has been issued on my credit card was bounced and I could not pay my credit card and other bills on time. I am facing a lot of financial problems due to this wrong transaction.
I took personal loan (a/c 081464760526) Rs.3, 30, 000/- from HSBC, Hyderabad branch in the month of April. I met the HSBC representative on 5th Feb 07 and I gave him a UTI cheque (no:811042) worth Rs. 3, 12, 363.00/- as per the Loan Foreclosure calculations he gave me. After receiving the cheque, representative said that it would take 5 days for cheque clearance and 10 days to get a NOC letter from HSBC. Loan has been closed on 10th Feb 07. And monthly EMI Rs.7936/- has been debited to my bank a/c on 12th Feb. I called HSBC customer care on the same day and she said the amount that has been debited would be credited back to my account within 7 working days. This is not happened till today and even i didn't get pre closer letter.
FYI: If HSBC representative had tell me that monthly emi would be deducted even after closing the personal loan, I wouldn't try close the loan and will close it after EMI get deducted from my bank account.
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