Home Credit India Finance
Reviews and Complaints

I have have a loan from your company in the name of Anjali kumari D/o sohan lal DOB 25/03/1998
And i think i made a very big mistake by taking loan from ur company. U guys are fraud i think.
My loan account no. Is [protected].
And on 14th i have paid my emi...but know i am getting calls..reminders msgs for doing emi again.
Dont u guys have update records...
Your executives are telling me that they are sending customer care no. But from 3 days i didnt received any text.
Actually by mistake i have did my emi from another loan account no.
But u guys can transfer it to other.but still u guys dont corporate.
When i paid your emi i received a msg from your side...that is
Thank you for making payment of Rs 2768.00 for Home Credit loan [protected], Trans ID is HCCP23775075. In future, you can also use our App bit.ly/2GOaDjx

Why dont u update this in your records.

Hi i am suman barua maine home credit finance se ek ohone liya tha jo ki maine apne cousin ko ko le k diya tha usne 2 emi diya nd uske bad diya ni or hume pta bhu ni ki usne diya ni itne mnths se humein ab pta chla to humne 1 week ta tym tym maanga pura payment krne ka bt home ctedit ke field boy a ke meri wife nd meri ldki ke sath batmeezi ki 3 -4 logi ko la k mai chahta hu ap action le isko le ke unme se ek ka nam vicky ha or usja phone no. Ha [protected]

Dear sir,

I have taken a loan of rs.1, 78, 000/- in the month of nov 2017,
My contract no [protected]
And I have paying my emi promptly without skipping for a month also till date.
Now I wanted to pre close me loan and I requested to give my repayment summary and outstanding details, but they have sent me wrong outstanding amount, in my loan sanction letter the have mentioned 20.67% p. A but they have deducted 31% for 12 months, and they are saying the calculation is correct and talking about floating interest rate, but when I asked why did you people agree in my loan sanction letter 20.67 p. A,
No answer on that, nobody wants to take any responsible on that issue, and they them-self have sent me a mail that your complaint have been resolved,

These kind of misleading the common people is not right, necessary action to be taken on these kind of finance companies.

I am not going to pay any further payments, and I will take all necessary legal action on this issue as well claim my compensation more than 10 lakhs, this is for sure.
Ill put an end to these king of fraud happening further.

Dear sir,

I am ankit kushwaha, I am a regular and good customer
I have to finance two mobile phones from home credit and given time to time repayment the installment and home credit give me the great oppurtunity I would like to thanks 24 sept. I got a call from home credit for personal loan 80000/- and that time which who person talked to me, she was name mrs. Vibha sinha and she said to me. You've singnature all documents on 25 sept. And after singnature ur documents you have to recacive your amount within 4-5 days and I have to done the all work from my side, but I did'nt get the amount in my account, and after 5 days I did'nt get the any call from home credit, and when I tried an number of time but any body did not reacived my call I think home credit customer care not done the commitment. And speacilly mrs. Nibha sinha, today I called to four time in loan department, but every time I got the new answer like, she was taking lunch, she is not available in office, and last time he said she gone to home and whenever my call transfered in loan department but anybody did'nt attend the call
Many time I was on watting side. I attach a screen shot and without get the amount my loan repayment date declered
And I also attach the screen shot

Omg... What the hell
Come on be professional plssss
I attached aome picture plss find some attachment

Please take action

Thanks & regards
Ankit kushwaha
[protected]

मेरा नाम हेशाम अहमद है और मेरा लोन नंबर [protected] है सर मुझे 2016 मैं आपकी कंपनी की तरफ से लोन ऑफर किआ गया था . मैंने आपकी कंपनी से एक मोबाइल लिए था जिसके टाइम से पेमेंट करने पर मुझे ये लोन 75000 rs का लोन दिए सरे टैक्स लगाने के बाद जो पेमेंट थी वो 143000 के करीब थी जब तक मैं जॉब कर रहा था तो मैंने टाइम से 40000 हज़ार क करीब पेमेंट जमा करवा दी लेकिन मैंने सेटलमेंट के लिए मेरे पास कॉल आई rd शर्मा
की आप सेटलमेंट करवा लो मैंने हाँ कर दी लेकिन मेरे कुछ पर्सनल इशू की वजह से मैं पेमेंट नहीं करवा पाया मेरे पास 2018 सितम्बर मैं किसी रूद्र का कॉल आया और उनके ऑफिस रोहिणी नाम की लड़की का भी कॉल आया सर मैं सेटलमेंट करना है मुझे बूत वो पहले पेमेंट जमा करने को कह रहे है मैंने कहा की आप मुझे २ month का टाइम दे मैं करवा दूंगा अगर अभी आप मुझे लीगल नोटिस और सेटलमेंट की डिटेल देते है तो मैं पेमेंट करने के लिए रेडी हु . मेरे पास रोज़ रोज़ की लोग कॉल करते है और मेरे घर वालो को भी कॉल करते ह किर्प्या मुझे टाइम दे ताकि मैं ये सरे पेमेंट कर पाउ जल्दी से . सर मैं सरे पेमेंट जो सेटलमेंट का अमाउंट है वो पेड करूंगा मुझे जल्दी से जालिद साडी डिटेल मेर मेल पर दे, और मेरे पास जो भी कॉल आरही है उनको रोका जाये और कुछ एग्जीक्यूटिव बहुत गलत तरीके से भी बात कर रहे है मुझसे

Please help me to get back my marks sheet (employee code is:77646 my contact no: [protected], Email: [protected]@gmail.com
this is praveen m, i worked as a associate field collection executive in home credit india, when i was joined that time mr sandeep, and prahallad (Team Leader) taken my SSLC marks card, now siddarth panda (HR) and prahallad (TL) told me that the overnight corier was lost your marks sheet, then i was contact the overnight corier they said they delivered my sslc marksheet to mr siddarth panda at homecreditindia (human resource department) i was met him many times, but i whenever meet him he told me that come tomorrow or come after a week like that now like 1.5 year completed now he said that he losted my SSLC marks sheet. Please suggest me what will i do.

Im r dineshkumar.. I have taken loan in home credit 129000, my emi is 5360.48 month.. At the time of booking they told 24.87 per annum flat interest... My total interest is 128280. If flat interest means my 2672 interest per month will come... But i'm getting 4600 interest per month. They r charging in diminshing rate of interest.. Exe given fake commitment.. So I ask for a foreclosure they r asking to pay 124500.. I already paid 7 emi. As per my interest certificate my total principle outstanding is 120152. Only.. I ask customer care y ur asking extra 4500. They r telling we don't know.. If I ask any questions they r telling same answer. Poor response. And threatening me we will put in cibil defaulters list.. Till now i' didn' get proper response.. They didn't explain about loans, emi,.. Just over the phone they proceeds the loan process. My mobile [protected],. [protected]..

i want to complain agaist this bludy company.this is very poor service provider.my bike loan had been completed in 30/11/2017 but todays date there is no NOC letter recieved.
i have complaint in this regard through cuatumer care and mail also mark to cusern team but there is no call no mail no message recieved.not a single revert from this bludy company and stafff also.
this is humble request plz do the needfull otherwise i will do complain in nodal and to higher authorities also.

Regards
Sonu Chaurasiya
+[protected]

Name: Harpreet Singh
Contact No. +91-[protected]
Loan No. [protected]

As requested earlier to Home Credit India for Interest Certificate of above said loan, the interest certificate has been sent by the Home Credit India (Copy Attached).

As per Interest Certificate sent by Home Credit India total Principal paid upto till date (after 10 EMIs) is Rs. 18478/- against total loan amount of Rs. 176000/-.

After considering Interest Certificate Outstanding Principal as on date is Rs. 157522/- which i want to paid one time and want to close this loan.

But after interacting with Home Credit India's Customer Care Representative it came to know that total amount outstanding as on date is Rs. 162546/-.

In view of above, it is requested that Home Credit India is charging Rs. 5027/- in excess.

I want to know that as Home Credit India stated that there is no any foreclosure charges, than why Rs. 5027/- is charging in excess from me to close my above said loan number.

Hello,
I'm Sonali Baswala, my loan number is [protected]. I applied for a loan on 27th February 2018. I signed my documents on 27th as well, I was told that the payment will come in 2-3 days. When I called, found out that it would take around 5-6 business days. Before that I was not told that the interest would be charged for these days too and I've to pay my 6999 installment on 1st April, which would be the last date of depositing the installment.

After 5-6 days I called again, I was made to talk with the same person who sanctioned my loan, "Hemlata ji".
Now they suddenly found out that there's is problem in my passbook, so they can't see my account number, but before there was no problem. I sent them a mail, and they said that they would callback, but they never did. When I called back they said that it would take 24-48 hours, everytime I call them it takes 24-48 hours everytime, but actually nothing happens they never callback.

On 2nd day in morning I received a message that loan is been approved and amount will be transferred in 1 working day. When I called them to give out, they said the money is transferred. When I went to bank they said it doesn't take this much time to transfer money.

Ms.Hemalata shouts on me as if she's paying me from her pocket and won't even take back, cuts the phone on my face. I'm fed up calling your customer care. Its been 12 days the interest is still on. I've to pay the emi on 1st of April, not received a single penny.
I don't want anything now.
I've attached the pic of passbook.

Dear Team,
My Self Sunil Chauhan, I have applied for NOC for my Bike (UP16 AZ 4184) Apache RTR 180 White Color, after taking continoues follow-up with Home credit India Finance they have given me fake information about delivering NOC at my home address, I never received any NOC on my home address, I am requesting to deliver NOC on my offcie address but they refused to deliver it on my office address, At the time of Loaning it was ensured by Home finance that the NOC will be delivered on any requested address. please help me in getting the NOC on my office address on urgent basis. As I need to transfer my Bike on my name.

Contract No. [protected]

date of incident-14 october 2106 today.home credit person

i have to pay emi on 10th of every month .this month my emi is not cleared on time due to festival season .i apologize for that to company.one person come today to my home from home credit company .meeting time was 4 o clock but i reach on location to 4.15 ..means fifteen minute late .he is watching like he kill me instantly and feeling so so much angry .afterthat i go to ATM near location but i am unable to get money because someother taken my money from atm or other issue .i raise this compain to sbi .who used my card .but home credit person start to abuse me constantly on the road in front of public.tere baap ka naukar lag raha hu chillad chor ..aukad ni h ..laon le k life kaat kare ho maar jayo chindi chor bla bla..i want to take action now.please help me all

Sir mene homecredit se mobile phone finance karaya tha lava v1 jiski market value 9500 hai...jiski emi 1288 rs Hui thi Jo me pay kr cuka hu or mene cash payment 3000 b KIA tha...mene interest k sath apne payment due date PR kr dia hai.lkn ab ap k call center wale bta rhe Hai meri payment due hai jab ni mene sare payment kr dia hai..ap k financer ne mje wrong information Di hai or mera phone b surrender kr lia hai..or mje koi letter abi tak ni mila hai.
Mene bht bar customer care PR complain ki or complain bhi update karai hai lkn kisi ne meri problem solve ni ki..
Sir ab me or emi ni dene k layak ni hu..pls help me and solve my problem as soon as.
Phone number: [protected]
Contract number: [protected]

I have been called over & over again by Home Credit Department individuals saying that these are training calls & they would like to speak to someone by the name of "Darshan Singh" on my number which is [protected] . Time & again I've told them that they have got the wrong number, as this number does not belong to any Darshan Singh. I do not know of anyone by this name, have never heard of him also.

The number has been with me, Smita Guleria since 2008. Have requested them to update their database accordingly & stop bothering me. They assure me they will remove it & yet again i keep getting calls from them several times in a day.

Request you to have this sorted with immediate affect & stop this inconvenience.

Hi,

My name is Jitender from New Delhi and my finance number is [protected].

Home credit financed my mobile in a fraud manner not telling the important points which a customer need to know while financing a mobile phone.
And every time I was trying to inquire something the person in the store ignoring the details I want to ask. In fact he said there is no issues.

And now after paying 8 EMI I get to know that I'll be charged 27% interest on the finance amount but my mobile was financed at 0% saying its a ongoing festive offer. Even when my 1 or 2 EMI were delayed, collection team who calls before the due date and also after didn't tell me that if I pay the amount late the 0% finance will become 27 %.

I'm saying this because customer care said your finance amount was approved for 0% but as you have paid 1 payment late so it has become 27%.
I got to know this when on the 8th payment collection team called me I asked them how many EMI left for me, and they told 4 more..that means on total 12. I was shocked because I was told 9 EMI's. And then they told that your 1 payment was late so your finance has been changed to 27%. Why didn't they told this when my first EMI was late.

I immediately stopped my all further payments as I felt I was cheated by Home Credit. I receive no. of calls daily and even they call my friends and family in such a way that they fell harassed as the way these guys talks is totally unprofessional.

Although I'm ready to pay the amount I financed for my mobile but these guys don't listen to customer.
I've already paid Rs 13040/- and my total financed amount is 15400.

I need apologies to my friends and family who has been harassed by your collection team and need a compensation for the months I'm been stressed by u guys.
Other wise I am going to complaint against your company in Customer Consumer Services.

Hope this should be resolved as per my thoughts.

Regards
Jitender
[protected]

Hi,

I am Shikha from Chandigarh my loan number is [protected].

From last 4 months I am paying my EMI on time but last month because of festival season I couldn't make it and I informed the same to your head office in Gurgaon and they said ii will be fine if I'll pay my EMI later on and there will be a penalty of INR 23.

Even after informing regarding late payment I was still receiving almost 50 calls from your office everyday (your call center person were use to call me after every half an hour) I told them that I can make payment after 10th Nov, 2014 only after getting my salary but height of insecurity was that they started calling my brother Mr. Sahil everyday and that was the pathetic thing. I am a customer who is making payment of every installment on time from last 4 months and I am not going to run anywhere without paying whole amount.

Finally on 13th Nov, 2014 my brother received a call from your call center at 9:00 AM to confirm his address so that collection boy can come to collect pending EMI and your collection person Mr. Raman ([protected]) took INR 3030 in cash from my brother Mr.Sahil at 3:00 PM [protected]). In evening at 7:00 PM [protected]) suddenly I got a messege from Home Credit that my bank account has been deducted of INR 2, 730 monthly installment.

How could your company do such things? you took 2 installments from me in 1 month? This is my harden earned money I need it back.

IS THIS YOUR SO CALLED SERVICE?

I need my INR 3030 back ASAP otherwise I am going to complaint against your company in Customer Consumer Services (Bill of INR 3, 030 and Screen Shot of Payment Clearance message from Home Credit is attached herewith).

Now I will see for how many times your call center will call me to solve my problem...

Hope to hear from you soon!

Regards,
Shikha
([protected])

Hello there,
I would like grab your attention on my matter and share my views for "Home Credit India Finance Private Limited".
On 8th Aug 2014 a waiver of Rs 300 commented for loan no. [protected] by an agent (Deepa) saying "Extra charges will be waived of if I pay the EMI same day she sends a collection executive", I accepted it and paid the amount.
It has not been done till 28th August 2014, while it took 7-10 days to get accepted (as per their commitment), I am still getting their calls regarding the same and daily each agent is forwarding the same request.
Today (28 Aug 2014), I called their costumer support checked about result, the guy told me no one forwarded the request I asked for the reason, REASON is (THEY ARE GETTING TECHNIOCAL ERROR IN FORWARDING THE REQUEST FROM LAST 20 DAYS so he will do that). Can anyone imagine an answer?
Also, when I asked him to transfer the call he denied and reply with "I CANNOT TRANSFER AS THERE IS NO QUERY" ? no query ? seriously?
From where they hire guys? did they give training to their executives? I doubt personally!
Lastly I got a call from a girl asking the request has been forwarded, if you got CALLS say I have made a request for waiver.
I still have to receive their call daily thrice a day, may be more and have to say same thing to all as they do not have option to STOP the calls.

One more thing to share: Just seen a complaint here on "Consumer Complaints", please see their 15 replies to a single complaint:http://www.consumercomplaints.in/home-credit-india-finance-private-limited-re-payment-of-loan-3300245894-c905908
Whole world can see what they are upto and how stressful is attent their call.