Hi All,
This was happened me on july 2011.Now only i came to know this website,so i am sharing my experience, as well be catious with this personal loan.
I have salary account in HDFC from 2008 so i got a call from HDFC stating that you have pre-approved personal loan and already iam planning to take the loan for my expenses. At the moment i got a call from HDFC i agree with that.From the bank side they said you have to give the address proof,passport size photo and 3 cheques because of pre-approved. The executive came and collect the necessary documents and they said with in 3 days your loan amount got deposit in your account hence it is pre-approved one.
The executive collect the documents on the morning,by that day afternoon i got a message in mobile stating that
"congratulations! your completed personal loan app is now accepted .pls.quote Ref.no 17068578 for any status update - HDFC Bank Ltd. T&C Apply".
on the same day i got a message in the evening stated that..
"Dear Customer yr appln of personal loan A/C no.17068578 for a is Approved.Our rep will call you shortly.Rgds HDFC Bank Ltd. T&C Apply".
After i got this message, i felt my loan amount got approved.So i felt bit relax and i commit some requirments based on this money.
7 to 8 days gone...no replies from the HDFC. so i have inquired the executive, who came and collected the documents and he said your loan is rejected for some reason. I got shocked and i dont know what to do with that time.i asked him for what reason they rejected,he said i dont know, have to check with manager. i ask him to check with his manager.As well i have asked my 3 cheques back.But till now they didn't gave me back. But from the next day whenever i called he never pick his mobile. so i left that option and start trying for other bank.
After a month again i got a call from HDFC personal loan stating that you have pre-approved loan,I have clearly told to that customer call girl,last month i have applied and my loan got rejected.so is that applicable to apply now.she said, 'yes' you can apply now,again i have produced same more documents but this time i didnt get any message after that she said your previous loan execution is under "Fraudualnce" so we can't process this loan.In their "Term" they said as "REC" its sound as "REC" i.e fraudalance. i am more confused and shocked this time.what fraudlance i did. so through my friend- friend who is working in HDFC other division, through him i checked the status.He said clealrly, when i was executed the loan first time that people put it as remark " Fake documents" . i wonder that i have HDFC salary account from 2008. All the documents are so transparent then how?
Till now i couldn't understand why they did like that? Through one of the executive,recently i came to know that in "my name" they have remarked in database as "REC that means fraud" He said this will affect your career in future. so try to remove this bad remark. so i don't know what to do this and how to resolve this issue? In my opinion HDFC is very very poor and careless service towards the customer.
So people be-aware of personal loans especially with pre-approved loans.Moroever customer executive peoples talk nicely before you taking the loan,once they collected the documents and their services in damn worst.
Ps:Once they file your name under "Fraudlance" you can't take loans in other bank also.so peoples please be careful with this banks.
i am hoping that i will get benefited after this post.
Dear Sir,
I have visited HDFC Bank to close my Personal Loan , but the bank executive are telling me that we are not able to do balance transfer to close my Personal Loan.
I have not received any circular from HDFC bank before that ,we are closing the procedure for balance transfer.
Please allow me to close this personal loan through balance transfer. because i have some serous issues at my home.
I have already paid 16 EMI for my personal Loan.
I am carrying the DD from last 10 days for balance transfer , but due to lack of time i am not able to deposit it into the bank.
i am requesting you to grant me permission to close my personal loan through balance transfer and even i am carrying HDFC bank salary account.
Your quick response is highly appreciated.
Name – SUDHANSHU PANDEY
Loan Account No----3586751
Loan Amount------ Rs. 125,000.00
Tenure-----36 Months
EMI----RS. 4,410.00
DOB----13-05-1990
CELL- 782-762-3536
Thanks & Regards,
Sudhanshu Pandey
my complean nambaambar 37895796
Hi,
I have salary account in HDFC from 2014 so i got a call from HDFC stating that you have pre-approved personal loan and already iam planning to take the loan for my expenses. At the moment i got a call from HDFC i agree with that.From the bank side they said you have to give the address proof,passport size photo and 3 cheques because of pre-approved. The executive came and collect the necessary documents and they said with in 3 days your loan amount got deposit in your account hence it is pre-approved one.
The executive collect the documents on the morning,by that day afternoon i got a message in mobile stating that
"congratulations! your completed personal loan app is now accepted .pls.quote Ref.no 36118159 for any status update - HDFC Bank Ltd. T&C Apply".
on the same day i got a message in the evening stated that..
"Dear Customer yr appln of personal loan A/C no.36118159 for a is Approved.Our rep will call you shortly.Rgds HDFC Bank Ltd. T&C Apply".
After i got this message, i felt my loan amount got approved.So i felt bit relax and i commit some requirments based on this money.
14 to 15 days gone...no replies from the HDFC. So please confirm me what happened.
And Manager name- Pawan Mulani. Email- pawan.milani@hdfcbank.com.
car refinance loan application is accepted ref. no 35045237 please check status update. loan apply 10 days
my personal loan ref.no is 28872916 let me know the status pls
Quote Ref.No.25265366 FOR PERSONAL LOAN massage get on my Mobile.Please tell me Approval any status.
Dear sir,
I am Ashish Tiwari I have old Saving Account of HDFC Bank I m Regular Customer of You
In past I have taken Two Loan As detail Given Below
Loan NO . 12278871 Loan Amount 135000 Successfully Closed for Taken 4 Year
Loan NO 17184425 Loan Amount 135000 Successfully Closed on this year 2012 Taken for 3 Year
Fresh Loan I am apply for Rs. 155000 With ROI 17.25 % for Year 3 Year But due to my creditability Limit so my Loan has been Rejected After successfully verification For Personal Loan we provide Address proof of Mandawali New delhi where I was lived on rented Your Client successfully verified for the same address But now my address has been changed from Mandawali New delhi TO Vinod Nagar East new delhi on date 25.08.2012 due to some reason but Your loan department representative call to me he asked again verified my address But I have been leave my previous address & Now I m Live in vinod nagar East new delhi I have no interaction with my previous Landlord
It is requested to you please Closed Personal Loan Account 22169012 wich is rejected on 18/08/2012
I hope you take positively action
my personal loan application number 22092373 let me know the status
QuoteRef.No.21767252 FOR PERSONAL LOAN massage get on my Mobile.Please tell me Appruwal any status.
my personal loan application no is 21266988
let me know the status
I missed to update this on time.Long back i got the reply from hdfc.Based on the complaint,i got a mail from HDFC, stating that the RIC(Bad remarks) have been refreshed from my records.Thanks to HDFC and many thanks to icomplaints.
I support this complaint. I Pratap Kumar Jena applied for a personal loan in HDFC Bank which approved for Rs.75000/ from last 1 month,with Personal Loan A/c No-18319086 and bank Executive Mr.Sishpal ( Sector-19 Branch ) also collect Cheque and agreement paper with my signature.But still they are not taking any action of this matter & there requirement change day by day as their wish.So please confirm it immediatly and approve my personal loan.
I support this complaint. I Pratap Kumar Jena applied for a personal loan in HDFC Bank which approved for Rs.75000/ from last 1 month,with Personal Loan A/c No-18319086 and bank Executive Mr.Sishpal ( Sector-19 Branch ) also collect Cheque and agreement paper with my signature.But still they are not taking any action of this matter & there requirement change day by day as their wish.So please confirm it immediatly and approve my personal loan.
I was also being harrased by one of the executive in HDFC bank. One day i got a call from HDFC Bank that i have in my account a preapproved loan of Rs. 248000. But my loan requirement is of 300000, So they told me to go for normal process rathr to go with preapproved one. They also told me that it will take more time compare to preapproved. i accept the proposal. But as my father is in police they rejected my normal application. I've an account with them since 2008. I am working with A catagory company stated in HDFC bank, Though they deny my application, Reason is only that my father is in police. Its not fare to behave like this with your old & genuine costumer. I've very much loan requirement that time as i want to purchase agriculture land. But they didn't provide. Its a very bad experience of mine with HDFC bank. They were even not told me for many days that my application got rejected.
Dear customer,
Just a reminder that we still haven’t heard from you. Request you to write to us at talktous@hdfcbank.com with your name of the applicant (as it appears in your Loan application form), your address, your contact number(s), type of loan (e.g. Personal/Express Loan Plus/Auto), amount of loan, name of the direct selling associate/sales person (if available), contact numbers of the DSA/Sales person (if available), date on which loan application was collected, list of other documents collected, any communication from the DSA and contact number along with the reference id TTU00141********0, so we may help resolve this matter at the earliest.
Regards, Customer Assistance, HDFC Bank
Dear Customer,
We want to stress that your concerns are important to us. Request you to write to talktous@hdfcbank.com with Name of the applicant (as it appears in your Loan application form), your address, your contact number(s), type of loan (e.g. Personal/Express Loan Plus/Auto), amount of loan, name of the direct selling associate/sales person (if available), contact numbers of the DSA/Sales person (if available), date on which loan application was collected, list of other documents collected, any communication from the DSA along with the reference id TTU00141********0. Once we receive this information our bank representative will look into your issue.
Regards, Customer Assistance, HDFC Bank
On Feb 28, 2017 10:46 PM, "Jibran Rufaie" wrote:
Subject: Reference no: 45935617
Respected Sir,
This is regarding my personal loan application amounted Rs 75000.00 ( Seventy Five thousand only).
I applied the same ( Seventy Five thousand) through online.
My Personal loan application is accepted... I humbly request to you Please disbursement my personal loan amount Rs 75000.00 ( Seventy Five thousand) at the earliest..
My Personal loan application is:: 45935617
Regards
Syed Jibran Rufaie
Cell no: ********22, ********85