| Name of Complainant | |
| Date of Complaint | December 2, 2021 |
| Name(s) of companies complained against | HDFC Bank |
| Category of complaint | Banking |
| Permanent link of complaint | Right click to copy link |
| Share your complaint on social media for wider reach | |
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When I applied Car loan, it was clearly mentioned to me there wont be any forcloser charges after 24 months, same WHATAPP chat prrof has been submitted, below are the details of mail.
SUB: HBL=084-271-715′ Web – Loan – Car Loan – Foreclose the Car Loan
To HDFC BANK,
Once again I am reiterating that process and people involved during the car loan availing process.
I had availed the Car loan after getting mails from HDFC RM- Soanli Chaudhary,
as there are no Foreclosure Charges and save upto 50k (attached HDFC-RM-Sonali-CarLoan-Zero_Foreclosure.png FYI).
And second thing I had a telephonic conversation with Sachin SIng and discussed the charges and the same mentioned in mail and he also agreed there won’t be any charges other than mentioned in mail (attached screenshot for your reference), Sachin Clearly mentioned in Whatsapp Chat there is no Foreclosure charges or any charges if pre-closed after 24 months. And after that I am not sure how and when this fellow sachin cheated me and made changes in agreement, as this agreement is not executed on paper , it’s done online, requesting the Bank to take strict action against this person. If anyone has any doubts, please check in Sachin Whatapp chat messages or can come to me , will show in my mobile.
a. WhatsApp-Chat-Sachin-1.jpg
b. WhatsApp-Chat-Sachin-2.jpg
c. WhatsApp-Chat-Sachin-3.jpg
d. WhatsApp-Chat-Sachin-4.jpg
e. WhatsApp-Chat-Sachin-5.jpg
And third thing, RBI also clearly mentioned banks should not Levy Foreclosure charges for Car or Home loan.
RBI-Rules-No-Foreclosure-Charges-Car-Loans.png
As mentioned in previous mail, a few months back I had foreclosed on my other Car with SBI bank and they did not charge a single paisa other than OS principal amount. Even though I am not associated with SBI bank, I only had a car loan, still I did not face such harassment like I am facing with HDFC.
I have been associated with HDFC bank from last 12-14 years, and I have taken PL many times and paid the EMI without any bounce or delay.
As requested by you to provide the proof on foreclosure charges , hereby am attaching proof as mentioned above, kindly look into those and do the needful.
Hope now you don’t make me write any more emails on this, I have given all the proof, which clearly says, there are no charges if closed after 24 months.
Being a No-1 bank in India, no one expects HDFC to cheat their customer, Promise or Commit something and later do something.
Please find the Complaint No- MUMT1121390443 , spoke with Grievance Redressal Cell on this number 1800-266-4060.
Image Uploaded by RAGHAVENDRA RANGREJ: