I was sanctioned a home loan of Rs 42,28,000/- by HDFC,Kolkata. During the documentation process a sum of Rs 2000/- was paid by me to Rajesh Gupta, HDFCs lawyer at Delhi for the delay in documentation which was caused for no fault from my side. The correspondence was made by E mail between HDFC,Kolkata and Rajesh Gupta. This was reflected in numerous complaints to HDFC and to Mr Aritra Ray of HDFC Kolkata. Subsequently a payment of Rs 20,66,000/- had been made by HDFC on 07 Feb 2013. The next payment was due on 01 Jul 2013 to be made to The Manager, AWHO at New Delhi. Intimation of the same was made to HDFC,Kolkata well in advance. The cheque was issued vide HDFC Bank cheque no: 235492 dated 27 Jun 2013 of amount Rs 10,33,000/- and necessary pre EMI charge was taken. The above HDFC Bank cheque no: 235492 dated 27 Jun 2013 of amount Rs 10,33,000/ has been defaced and returned by AWHO, New Delhi along with Bank Memo with the remarks of DISHONOURED CHEQUE.

a) Monetary compensation keeping in mind my social status and the humiliation, mental trauma and social setback I have suffered because of HDFC cheque being defaced and dishonoured. b) A full return of the service charges/processing fee ( Rs 11,236/-), due to the poor quality of service and the disgrace that I have suffered. c) A complete refund of Rs 2000/- paid to Rajesh Gupta, HDFC lawyer at Delhi for the delay in documentation which was caused for no fault from my side. d) The refund of the pre EMI payment for the above cheque.

Complainant Information
name- Dr Arup Basu