HDFC BANK REJECTED SANCTIONED CAR LOAN @ 8.99% BUT AFTER 1 MONTH PROVIDED LOAN @ 9.25% VIA ACCOUNT NO.19140444 ,CUSTOMER ID NO; 22312093TO ME WITH SAME PAPERS AND HOME ADDRESS LEADING TO LOSS OF MONEY IN EXCESS INTEREST RATE.
SIR,
MY SELF,A CORPORATE DOCTOR, HAVING A SALARIED ACCOUNT WITH 'HDFC BANK, SECTOR 31,NOIDA' APPLIED FOR A 'CARLOAN' TO PURCHASE 'TATA VISTA AQUA DIESEL' FROM 'M/S OBERIO CARS,SECTOR1,NOIDA' TO "HDFC LOAN SALES OFFICE" BAHADUR SHAH JAFARR MARG,NEW DELHI THROUGH HDFC BANK ON 16.05.2011 SUBMITTING MY VOTER CARD, PANCARD,04 YRS ITR COPIES,RESIDENCE PROOF BY BANK PASS BOOK AND CERTIFICATE FROM MY OFFICE,SALARY CERTIFICATE,02 BANK STATEMENTS,CAR BOOKED RECEIPT ETC. FIRST,BANK LOAN OFFICCER MR.RAJIV KR SINHA ON 20.05.11 TOLD ON MY MOBILE 7838059592 THAT MY LOAN IS SANCTIONED. BANK ALSO SENT ME A SMS THAT MY CAR LOAN IS SANCTIONED.LATER ONE BANK OFFICER CAME ON 27.05.11 AT MY HOSPITAL AND TOOK MY SIGNATURES ON RS.100/- STAMP PAPER AND MANY OTHER DOCUMENTS FOR AGREEMENT WITH 03 WITHOUT DATE EMI CHEQUES OF EACH ABOUT RS.13000/-GIVING ME IN WRITING THAT FOR PURCHASING ABOVE CAR,BANK WILL PROVIDE ME A LOAN OF ONLY RS.3.87 LAC DEDUCTING ONE EMI IN ADVANCE (65% of total value of car which Bank calculated as Rs.5 lacs instead of rs.5.5lacs.) AT THE @ OF 8.99% REDUCING RATE.BUT LOAN AMOUNT WAS NOT DISBURSED AS I ENQUIRED THE BANK THEN NO SATISFACTORY REPLY CAME FROM DELHI OFFICE BUT NODAL OFFICER REPIED LATER AFTER REPEATED SENDING REMINDERS TOLD ME THAT LOAN NOT DISBURSED AS RESIDENCE PROOF WAS NOT CORRECT.TATA MOTORS ADVERTISED IN NEWS PAPER TO AVAIL LOAN IN SUCH 8.99% REDUCING INTEREST RATE FROM HDFC/ICICI BANK TO PROMOTE SALE OF CARS IN SLUGGISH SEASON,THAT IS WHY I APPLIED FOR LOAN .
LATER IN THE END OF JUNE 2011 I REAPPLIED LOAN THROUGH SALES OFFICER OF M/S “AUTOSTERLING LTD”,DIFFERENT TATA CAR DEALER IN NOIDA WITH THE SAME PAPERS WITH SAME RESIDENCE PROOF AND ALL OTHER PAPERS ,THIS TME BANK PAID ME LOAN ON SAME PAERS AND RESIDENCE PROOF BUT MY INTEREST RATE IS 9.25% .BANK PROVIDED ME LOAN WITH LOAN ACCOUNT NO.19140444 AND CUSTOMER ID NO.22312093.I AM FORCED TO PAY EMI AT THIS HIGH RATE OF INTEREST 0F .36%{9.25-8.99=.36 } FOR MY NO FAULT ,PLEASE LOOK INTO MATTER AND COMPELL THE BANK TO RETURN EXCESSIVE MONEY ALREADY PAID IN MY LAST 06 EMI OF RS.10,805/- EVERY MONTH ALSO TO REDUCE MY EMI FOR MY NEXT 30 PAYMENTS.
Thanking You
Yours Faithfully
DR.DEWAT RAM NAKIPURIA,(B,SC,MBBS,MD,MS,MNAMS)
SAVING BANK ACCOUNT NO.18991140000985,HDFC BAK,SECTOR 31,NOIDA
SENIOR CHIEF SURGEON
GOOD WILL HOSPITAL & RESEARCH CENTRE
D-141,SECTOR,40,NOIDA-201303
07838059592,0703303359
drnakipuria@gmail.com