[Resolved]  HDFC Bank Bank - Auto Loan — TREATENING,CHEATING AND HERASSMENT

HERASSMENT AND THREATENING BY HDFC BANK

Dear Sir,

I purchased a Spark car on 30/4/2008 and a loan of Rs. 150000=00 was taken from HDFC Bank with repayment for a period of 3 years with 36 EMIs amounting each of Rs. 4850=00 P.M. The HDFC Bank Auto Loan Account No. is 13150124.

2. An advance EMI was taken on loan sanction day (for May 2008) and balance repayment was to start from 09/06/2008. I authorized the HDFC bank for payment of EMIs through ECS facility from my ING Vysya Bank saving account and necessary forms were filled.

3. In 1st week of June2008, I received a call from HDFC bank asking me to give a cheque of Rs. 4850=00. I explained him that ECS facility has already been given to bank. After two days i.e. on 7/6/2008 another person again called at my mobile phone very rudely and threatened me to give cheque otherwise to bear consequences. This regular threatening continued till 15/6/2008. Ultimately I went to HDFC bank office at Safdarjung Enclave on 16/6/2008 to inquire the details. The bank executive told me that due to problem at our Head office at Mumbai, your ECS form was not processed, so you deposit a cheque this month only. Therefore I deposited the cheque on 16/6/2008 vide receipt No.10481045. More over as precautionary measure, a fresh ECS mandate form duly verified by my ING Vysya Bank was again submitted to HDFC bank on 18/6/2008 for balance EMIs.

4. Again on 2/7/2008, I received a call from HDFC bank asking me very rudely to give a cheque of Rs. 4850=00. I explained him that an ECS mandate form was again submitted to HDFC bank for balance EMIs duly verified by my ING Vysya Bank. Then I enquired from HDFC bank office telephonically and bank executive told me that due to problem at our Head office at Mumbai, your ECS would be active from August-2008 and this month you have to give the cheque. So I gave a cheque to recovery agent on 5/7/2008 vide receipt No. 10770959.

5. I was astonished to see my ING Vysya Bank records on 10/7/2008 that a sum of Rs. 4850 as EMI has also been taken on 9/7/2008. I asked HDFC bank to refund the amount of Rs. 4850. But Executive told me that this double amount has been adjusted as interest. But the executive was unable to explain the reason & type of interest. Then I met and threatened the Manger to lodge FIR to police for cheating, and then they agreed to refund the amount. And amount of Rs. 4814=00 only (i.e. by deducting of Rs. 36=00 with out stating any reason) was refunded through cheque on 8/8/2008 i.e. after one month. The HDFC bank should pay me interest for holding my money for one month.

6. From July onwards there is regular payment of EMIs through ECS to HDFC bank

7. On 17/11/2008, I again received a call (No.[protected] from HDFC bank agent asking me very rudely to pay Rs 1250=00 as interest. I asked him to explain the reason for interest but person was so rude that he did not wanted to hear me and I disconnected the phone. Now I am repeatedly receiving threatening calls for payment. More over I have been paying my EMIs regularly through ECS. Then what is the meaning of interest? Moreover HDFC bank should pay me the interest for holding my money for one month by cheating me.

8. On 12/12/2008, I again received a call from HDFC bank agent asking me very rudely and threatened me to see consequences physically.

9. Sir I request the concerned authorities and RBI to take action against such a most worse bank for threatening, unnecessary harassing, extracting money by threatening and cheating and also direct the bank to pay me the interest for holding my money of Rs. 4850=00 for one month by cheating me.



From: C.M.SHARMA,
A-3/4, MS FLATS, Peshwa Road,
New Delhi-110001
Mobile No. [protected]