After requesting for home loan from LIC Housing Finance Ltd. & following up the agent like a crazy - the painful ordeal started--
Had requested for loan of Rs 3450000/- which was agreed by the agent - Name Subhas Dandawate.
Later on due to some miscalculation on his part he had reduced the amount to Rs.3150000/- .
In order to hide his mistake -- he asked me to have my current house valued upon thru a LIC approved surveyor to enhance the loan amount. I had agreed to his advice which was done by one of the person said to be from LIC approved surveyor.
He came - entered the drawing room & took one photograph & left within 3-4 min. I was asked to provide some documents of the current flat which was provided to him. The LIC agent then started asking for documents of my mother which I could not produce as he was aware of the fact that she was not available (out of station) at the moment. He wanted to have the documents courier from my mother's place which any way would have taken at least three to four days time to reach & documents provided by him for signature of self & my mother &-that he even advice on the signature to be forged for my mother.
In the meantime there was tremendous pressure from the builder in terms of getting the loan amount disbursed from the bank -- as such has no option to drop the idea of enhancing the loan amount for the current property for rental purpose.
He then had sent one of his office bearers to collect the amount for survey which was done - which I categorically refused to pay as my current house (rental) was not taken into account for loan disbursement.
He was indeed very rough in his interaction & almost forced to me pay the amount of Rs.2500/- which was paid in the name of LIC Housing Finance Ltd.
The said Cheque was returned back to me stating that I need to pay the amount to the Valuer directly & the hence issued a cheque in the name of the Valuer "Chandrakant V Salvi" amounting to rs.2500/- under protest.
I would like to put up a strong protest to LIC on the exhorbitant charges made by your agent which was not even considered for loan amount disbursement.
An aggrieved customer--
Mrinal C Chakrabortty
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