Hi
Recently some HDFC executives - Kannan (044 45554404) & Priya (9941493107) had approached me for personal loan. Since, I was in need of money (up to 6 lakhs rupees), I accepted. But they told me that I had only 3 lakhs rupees of loan eligibility. I told them, that this amunt wouldnt be of any use to me and rejected the offer. So, the HDFC executives told me that they would arrange another 3 lakhs rupees of loan from a different bank. I said, if that is possible, then I would take the loan. And I recieved a call from a (so called) citi bank agent and she told me that I can take 3 lakhs rupees personal loan from citi bank and another 3 lakhs form hdfc. So I agreed for Citi bank @ 16.5 % diminishing method and HDFC @ 15.5 % diminishing method. And I signed the forms.
The HDFC agent told me that the processing fee would be 1%.
I recieved verification calls from HDFC. And the lady who had called for verification told me that the processing fee was 1.5% and I told them that it was supposed to be only 1% as the executive had promised me. She then told me that she had changed it to 1%. Meanwhile I dint recieve any verification calls from citi bank. When I called the executive Gayathri (9941382599), she dint pick up my calls most of the times and when she did she would tell me that she would call me back and never did so. One day, I got an SMS from HDFC that 243000 rupees was approved for me and I told the executives that I dont need this loan because unless I get the amount needed, I cant make use of it. The executive promised me that he would try again and brought some forms and got them signed from me and alos made me write a letter to HDFC stating that this loan amount is not enough and that I need a larger amount. At the same time, he also got 3 cheques from me (In fact he first asked me to give him 3 blank cheques. I firmly refused it) with HDFC bank written across 'Pay' and crossed. But, I initially questioned him as to why he was getting the cheques from me when we were yet to get the loan amount that we were newly quoting. He told me that he cant proceed futher with this higher-loanamount-quoting without these cheques. So, I gave him the cheques. The very next day, I got a message from HDFC that 243000 rupees has been credited in my account (27th of Sep). I was shocked. From that day on, The HDFC people are not picking up my call (both landline number and mobile number). Today (30th Sep) I got the letter from HDFC that gave my loan statement saying that the actual loan amount is 248000 and that they have deducted for this and that and the amount credited is 243013 rupees. The processing fee is 1.25%. These people have cheated me. They had actually not tried for a higher amount at all. It was only an eye-wash. Both the citibank girl and the HDFC executives are not picking up my calls. I dont want this loan at all as this wouldnt help me for my business.
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