I would like to proportion one in every of my worst banking reviews with HDFC bank, Wardha department( Maharashtra) .
I applied for a 2-Wheeler mortgage within the Wardha branch of HDFC bank, as I got to recognise from the Bajaj showroom that the financial institution is related with the showroom for financing, this is the bank was their finance accomplice. So, I crammed the mortgage application shape within the bank and asked for the essential files that were needed to be submitted for the mortgage processing. The two-Wheeler loan incharge of the bank informed me to accumulate following documents:
1My remaining 1 12 months’s bank account declaration
2Salary proof ( profits Receipt as I was on a personal process)
3An project letter from the firm I was running with, on their letterhead.
4Id proofs: ( i) Voter identification card ( ii) PAN card ( iii) RATION card
5Electricity bill ( for cope with evidence)
I submitted these kind of files, approximately which the loan incharge Mr. Manjit Sharma knowledgeable me that my loan could be processed once my documents get established from their Nagpur department, a good way to take atleast a 2 days time. Earlier than that, I will should open a financial savings bank
Account of their branch. I followed his instructions and opened an account
For which they handed me with my passbook and cheque book for my account. Mr. Manjit informed me that my loan time period will be of 20 months, for which I can must publish 20 signed blank cheques for each monthly installment.
I submitted the cheques as consistent with his instructions and he attached those cheques to my mortgage record.
So, I back to the bank after 2
Clays and made an enquiry approximately my mortgage case. However the employee answered
Me that due to a few internal troubles,
The processing will take a few extra time, atleast 2 days extra. As to reveal staying power, I agreed to wait for 2 extra days. This time, in preference to directly going to the financial institution for Enquiry, I contacted the financial institution client care service, from wherein I were given a surprising respond. The customer care representative knowledgeable me that there has been no mortgage request made from my account number and there was no such request into processing. So, left without a option, I rushed to the financial institution branch to investigate my loan reputation. To
My marvel, I obtained the equal respond from Mr. Manjit that my loan request changed into into processing. However he changed into unaware
Of the reality that I fetched for my loan processing details from the purchaser care.
| instantly went to the branch supervisor Cabin and discussed with him all of these things. The supervisor called the incharge, and asked him approximately my case details. It was once more shocking that my loan record Went nowhere from the bank branch
In last1 week, and it become mendacity within the worker’s table drawer. And he became giving me an excuse of some technical trouble in processing my mortgage request.
After all this, I was absolutely frustrated with this kind of irresponsible technique from the financial institution.
The real harassment started out from the bank after this. In reality, I wanted to shop for this motorbike on my mother’s birthday, which become on 15th of January. I implemented for the lean case on 2nd January, which become properly before my date of buy. But, the stupidity of the employee caused the Waste of per week’s time. So, it became now ninth of January, and I had now not lots time Isft for my mom’s birthday.
I talked to the financial institution manager approximately the emergency state of affairs I used to be in, and S0 requested him if he can get my loan processed as early as viable and he confident me about it. My document turned into then passed to the Nagpur branch f0r processing with out a put off, but the processing took any other four days time. And then there was another shock looking ahead to for me from the bank. They
Informed me that my profits proofs have been now not enough for getting the mortgage
Sanctioned, that too on the time once I desperately wanted the mortgage.
Frustrated, I had a combat with the supervisor and the worker Manjit, and then I decided to move out of the bank. It was already 13th of January and then I misplaced all hopes of having
A loan for my bike. However, like a blessing in conceal, one in all my pal informed me that I will apply for an clean mortgage fr0m Induslnd bank, and with the same 0lOcuments that I submitted in HDFC bank, I got my mortgage accredited injust an hour. This become my success that I were given the motorcycle proper a day earlier than my mom’s birthday, Which turned into added to me right on the d€Iy, 1’5th January.
S0. My experience with HDFC financial institution was a actual nightmare as they took 12 days f0r the work they did not get performed, and the equal paintings become done in 2 days through