I have taken a housing loan from HDFC as it is the most trusted bank. My loan Account no is
(581094048) However recently my trust in HDFC has been completely shattered due to the
following experience in the past one month. My current rate of interest is @ 12% while the
rate of interest applicable for new customers is 9.75% only. While other banks like SBI, LIC
etc have reduced their ROI in the recent time, HDFC has not reduced the same at par with
other banks.
I approached HDFC with a request to lower the prevailing ROI to which I was directed to go
for takeover. I was shocked because I have been an old customer of HDFC and have never
defaulted and even then such harsh words were told to me. I was told to pay the takeover
prepayment charge of 2%. I decided to go for takeover from LIC and have paid a processing
charge of Rs 7000 to them. Now when I am in the final stage of finalization of my loan
takeover with LIC, HDFC has again stabbed me from behind by increasing the prepayment charge
from 2% to 3%.
I am being pressed from all sides in this time of recession. What should i do now
shyam kumar Agrawal
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