Foreclosure charges being levied by dhfl for my home loan
gopal
(Querist) 02 February 2016
This query is : Resolved
I have paid EMI for 16 months against the home loan from DHFL. Now I have arranged money to repay the full outstanding amount for which I sent a mail to DHFL. DHFL has intimated me that I have to pay a fee of Rs 500 + service tax for foreclosure statement. When NHB has already directed the HFC'S not to charge for foreclosure how they are charging ? Moreover in the website of DHFL one can find a stipulation that 500 plus service tax is charged towards foreclosure. How can DHFL openly flout the guideline of NHB even after 5 years and display the charges in their website. During the last five years since the issue of guidelines by NHB so many borrowers must have been charged illegally and complain must have been lodged with the NHB. But no action seems to have been taken against DHFL. Please advise.
Kumar Doab
(Expert) 02 February 2016
The answer lies in guidelines by NHB and if RBI has also issued guidelines for NBFC's.
Attach the guidelines with email trail and ask M/s DHFL, tom reply say in next 7 days!
Let them reply whatever they want.
Thereafter you can forward to NHB,RBI.
Rajendra K Goyal
(Expert) 03 February 2016
Send notice to lender for refunding the excess amount charged.
Lodge complaint to RBI, Banking ombudsman may move to consumer forum in need.
