As per the guidance of the Virar branch staff (Mr Kunal) we applied for PMAY in Oct’17. The staff confirmed all the eligibility criteria’s & provided us the format which was supposed to be typed on Rs 300 stamp paper & get it notarize.
We were been told that the entire process take 3-4 months. Accordingly we contacted the Customer Care & got to know that its’s been rejected due to ‘Balance Transfer’. We were horrified to hear this as we haven’t done so. Later when we again contacted the Customer Care Team & second time we got to know that ‘there are some documents were pending from our end’. We then contacted the Virar Branch; Mr Kunal said that ‘we are not eligible for PMAY as we took the home loan in Oct’15’.
SHOCKED WITH THREE DIFFERENT REPLIES….
Whom shall we believe??? The person who confirmed our eligibility, himself says that we are not eligible.
In case of any rejection, isn’t it their duty to send us communication stating the exact reason??? It’s been 5 months now, till date we haven’t received any communication regarding the rejection of PMAY.
We had requested them to send the rejection mail sent from the government officials (PMAY). But the staffs are pretty busy; who are least bothered about the TAT to revert back. They either try to ignore the email sent by us or least bothered to reply.
It’s been more than a month & we haven’t received any satisfactory response from their end. We also mentioned that in case we don’t receive response from their end we won’t maintain sufficient balance due to which the EMI due for Feb’18 won’t be paid. The staff took it very lightly & after 2 weeks people started looking into the matter.
Firstly, the staff is still not accepting that wrong information was provided to us. Secondly, instead of informing us the reason for rejection we have been following up for the same. Thirdly, instead of forwarding us the government response (rejection of PMAY), they are drafting the email of their own sending it across.
We agreed to pay the EMI due for Feb’18 only on condition, if we get the reimbursement of Rs 650/- (stamp paper-Rs 300, notary-Rs 200 & typing the content-Rs 150) plus the bounce charges levied by HDFC bank. However after end of Feb’18 we were promised for the waiver of Rs 650/- & not the bank charges.
On 26th Feb’18, we paid the EMI (via fund transfer), however yet we haven’t received any communication, when we would be refunded the amount. Similarly, we requested for the email evidence from government (PMAY) stating the reason for rejection. We feel that our documents have not been forwarded to the PMAY team, because of which they haven’t communicated us on the same.
This is not the first time that we have been annoyed with their services. Previously also there have been many instances like:
1. At the time of loan processing, their sales guy took extra cash from us. On asking for receipts for the given cash, he returned back the excess amount.
2. Our loan was supposed to start from Jan’16; however till Jan’16 they kept deducting PRE EMI. After highlighting the same, rectification was done.
3. Even though we have opted for floating interest rate, we had to change the ROI manually plus pay additional Rs 5500/- (approx.) for the switch request.
No one picks the call when we try contacting their Virar Branch no. 84240 47258. The phone keeps ringing but no one picks the call. Till date we tried calling 13-15 times at different time interval. Seems we have been calling some government office, where the calls are never answered.