I have contacted to the branch office of the above firm located at Patna in Apr-12 for loan and met a person to explain the process of getting the loan from the above firm. I get a positive response from your office at Patna and decided to apply for loan. I have been informed that wihin 20 to 30 days they have sanction the loan.
I gave a cheque bearing no. 32504 of Canara Bank, Patliputra Branch for loan process fee amounting to Rs. 5618/- .
After 25-30 days he told me to give 2000 for Technical and Legal.- I also gave him the same amount
During this period when I inquired about the time line for sanction and final disbursement – I have been informed that within two to three days it will be done.
After deposited above fees and others at they have send someone for technical in end of July-12 – that time I have also inquired the timeline for disbursement…. I have been informed that within 2 or 3 days I will get the disbursement.
Till apply for loan I have been very quickly informed that next 2 or 3 days I will get the disbursement, but I have not get the disbursement till date.
I have to raise some issues in this regard:
1. During first visit of staff/agent / associate person of Aadhar Housing Pvt. ltd, I have been fairly told and shown all the document which I have been.
2. Eligibility criteria should be communicated within a week to the customer in writing – this helps the customer to explore another avenue for his purpose…. here 2 times verification of my working office and residence they have not told me that your loan cannot be sanctioned within the timeframe ….. they always told me only 2 or 3 days I have been get it.
3. After spending 4-5 months I have getting nothing from Aadhar Housing Finance Pvt. Ltd. but process fee was credited from my account on 20.06.2012
4. The compnay or their agent/any person associated may tell the exact time frame for the sanction of loan process.
The above shown there is no fair fractice of code……..
I have not been get the above loan till date because the loan has not yet been sanctioned.
Now I want to be suitable action against the firm and person concerned for their fraud activities in this regard..
Please help me and suggest for suitable action…
Regards
Binod Kumar Ranjan
9430457434