Mar 06, 2019 10:15 PM
15868 Views
Hi,
This is regarding my home loan applied in Jan’19 from ICICI Bank Ltd.
Details are as follows:
Applied loan amount: 3200000/-
Offer/Approved letter received: 3100000/-
CHQ received: 3100000/-(3060000+ 40000) in 2 breakup.
Post disbursement amount showing in Icici app: 3143457/-
Application no. LBMUM00004917757
Circle: MUMBAI(Borivali E)
Now here my question to bank agent(Pradeep and Vijay Yadav) is HOW?
How come in bank APP its showing excess amount of 43, 457/- in my loan account(3100000+ 43457= 3143457) post releasing my CHQ of 31 lac?
Firstly(Pradeep and Vijay) stopped picking up my calls as I had asked for bifurcation of excess amount and why I am not aware of it? For what it’s for? With whose permission they have added amount to my loan amount? Who will pay interest of this extra amount?
They don’t have any answers and later post chasing badly, Pradeep had answered my call and told me that Vijay has told that you have been informed by him that we have to add home insurance in it and the processing fee will be charged to you 1.5% instead of 0.30% to get approve your home loan that’s why the amount is showing higher than the applied loan amount.
Here my questions to them were and still is?
1.How come bank has decided to charge me 1.5% processing fee instead of 0.30% Post sending me approval/offer letter as per 0.30% processing fee?
2.Still, if bank do a post-approval letter, then why you as an agent or bank haven’t intimate me about the increase in processing fee that too it’s too high(from 0.30% to 1.5%)
3.Why this processing fee has made higher post releasing my CHQ of amount 31 Lac and also CHQ got cleared to builder account?
4.Why the home insurance has been added without my permission/concern, where is my sign on it? why this happened post issuing CHQ?, What is the breakup of excess amount(43K) Home Insurance and processing fee?
5.Why this all has not been told to me a priority and post chasing agents I am coming across it?
Still, I haven’t got this above answers and yesterday(5th Mar 2019) I got debited from my ICICI bank account 4779/- towards Loan account, don’t know why and with whose permission.
They(agent) have used my CHQ which they have asked for. They had asked 6 CHQ at the beginning of loan to get it clear if I fail to pay any EMI in my tenure of loan…
I will be going to file a case against this agent, bank manager and bank for doing fraud with me.
Hope you look on these issues on top most priority and get a resolution from your end on or will have to apply this to high authorities to get justice economically and mental harassment.
