dear sir,
i m zulfikar ali ansari b.tech 3rd yr student........... i m interested in education loan...bcs i have not sufficient balance of my fee for 3rd yr......bt banks not accepted my education loan......i m very effected of this process........ so sir pls pls..........help me................

Hi,


This is to draw your attention towards the kind of service being rendered to me by Credila Finance company an HDFC venture. My wife ( Niketa Sinha ) had applied for a Education Loan of Rs.400000 at local Patna branch on dated 8th-July-2010 with all the valid documents asked by the representative to avail a loan.

I must let you know the amount of discomfort that i am going through for the commitment which was not honored by your company. Let me take you through the series of activities. I ( Guarantor) & my wife ( student ) was asked so many documents from the filled up form to pay slip to appointment letter(Present & Previous) to other certification from the Company HR Head ( regarding my Salary part) .All this could only reach me to a status where my loan was not got approved as on date, and the rejection reason is “ Student is not aware of Credila Finance Company”…Now i am in a situation where I am not able to make my promises. In front of Credila representative I had given the commitment to Amity Global Business School that I will submit the First installment by 20th-July-2010. My file got rejected only because student is not aware about Credila. My first question is that where this is written that student needs to appear for Interview for Education Loan.....

We both have received call from Kolkata regarding some interview, I had been asked some question and as per my understanding I had answered all question, after that Credit manager was asking to have some discussion with student also, and as per his requirement he had taken telephonic interview of student. He asked some question and student had almost answered all the question , questions were like:- what is credila ? From which subject you will do your MBA? What's your aim in Life ?

Now rest about the question What is credila ? Many of us don't know what is credila,The reason is only that credila don’t give any kind of advertisement anywhere and my wife is not into Corporate, she is just a student so how could she will be aware about Credial… Secondly she had also told this thing that she had still not decided that whether to go for Marketing stream or HR stream because this will completely depend on faculty.. Now my question is that is this really a reason for rejection ? If yes show me against/in which law this is written.

When I called your Credit Manager ( on 16th July-2010) just to ask as why my file got rejected then he is saying that “ we can’t share the reason for rejection”. My simple question is that without any proper reason how could you play with someone career. How could you reject someone case especially when you don’t have anything proper or genuine reason. I requested several time on phone please provide me the reason as why my file got rejected, this is matter of someone’s career, but your Credit Manager was not ready to listen anything. Is my name is listed in Fraud customer ?? If yes show me where. And if not tell me why I am being treated as fraud.

I am also student of Management and I studied many Provisions given under Banking regulation Act 1949.when I studied Banking regulation Act I was surprised to read such hard and fast rules and provision but now I realized that such rules are copied and pasted from some where there is no body to control over rudely behavior of bank employees.

I want to say at the end please do the need full and teach the lesson to such employee so they will provide right and fairy information and behave well with customer otherwise I won’t mind to knock the door of Law and media for fair justice no matters on whose cost and on whose responsibility.

Request you to please intervene so that i can get fair justice...


Waiting for positive reply.



Kumar Abhishek ( Guarantor )

Niketa Sinha ( Student )

09204957499

09334113675