Comments
I have been paying regular monthly payments since the day I started using the card. I want to see the proper statements quoting the principal amount usage by me and the amount I have paid so far. There is not even a month gap in my monthly payments. I have savings account and these bank people have been harassing me saying that I have no knowledge and no rights, and given time they will block and seize services to my account. They use extremely offensive language which can take a person to mental trauma.
My amount is very less than 30000 INR. I lost my card couple of months back and got it blocked. And since then I am not using my card, although I kept making monthly payments. It was in Apr 2010 only when my payment got delayed and I started getting calls from Mr. Rohit (HDFC Bank, Rajouri Garden, Delhi) on my cellophone, home, office and neighbours which were harassing and intolerable to no end. Finally I made a payment of 1400 INR on this condition that Mr. Rohit will settle my case and also provide with principal amount statement. But it never happened.
Later I started getting calls from other different bank executives putting my and my mother's life to dejection and distress. All misquoting and misguiding.
It was in Jun 2010, when Mr. Rahul Sharma called from HDFC bank and a whole scenario of mental harassment started again. Mr. Rahul Sharma threatened me to no ends. I am a girl, staying alone with my ailing mother and my father works in Maharashtra, which these HDFC bank took advantage of. Mr. Rahul Sharma didn't even spare calling at my office number innumerable times, harassing my office colleagues. He in fact forcefully put some other people on a muted conference while calling to me, without any prior permission from me. Because he said I will put your life into hell and will make your survival impossible. I paid another 1500 INR in Jun'10 month as suggested by Mr. Rahul Sharma. As he said that way my settlement can only be proceeded. He in fact put me on conference with a girl Ms. Anushkha who is senior person managing the credit card settlements. They said I will receive a final closing letter from Chennai but it was all false.
My financial condition and mental condition (which is due to HDFC bank personnel) has marred my thinking power.
In fact no bank manager is coming to picture. I have calling at bank like anything but to no vain. Every other HDFC bank person has been misguiding so far.
I talked to Mr. Nishant whose number I somehow fetched through at friend. I explained him my condition and said to provide me with complaint redressal id but never reverted. In fact he switched off his mobile.
I want peace of mind. I want my exercise my rights. Please suggest how to lodge my complaint with consumer forum and RBI in a proper manner.
Please suggest.
A sufferer!!!
My amount is very less than 30000 INR. I lost my card couple of months back and got it blocked. And since then I am not using my card, although I kept making monthly payments. It was in Apr 2010 only when my payment got delayed and I started getting calls from Mr. Rohit (HDFC Bank, Rajouri Garden, Delhi) on my cellophone, home, office and neighbours which were harassing and intolerable to no end. Finally I made a payment of 1400 INR on this condition that Mr. Rohit will settle my case and also provide with principal amount statement. But it never happened.
Later I started getting calls from other different bank executives putting my and my mother's life to dejection and distress. All misquoting and misguiding.
It was in Jun 2010, when Mr. Rahul Sharma called from HDFC bank and a whole scenario of mental harassment started again. Mr. Rahul Sharma threatened me to no ends. I am a girl, staying alone with my ailing mother and my father works in Maharashtra, which these HDFC bank took advantage of. Mr. Rahul Sharma didn't even spare calling at my office number innumerable times, harassing my office colleagues. He in fact forcefully put some other people on a muted conference while calling to me, without any prior permission from me. Because he said I will put your life into hell and will make your survival impossible. I paid another 1500 INR in Jun'10 month as suggested by Mr. Rahul Sharma. As he said that way my settlement can only be proceeded. He in fact put me on conference with a girl Ms. Anushkha who is senior person managing the credit card settlements. They said I will receive a final closing letter from Chennai but it was all false.
My financial condition and mental condition (which is due to HDFC bank personnel) has marred my thinking power.
In fact no bank manager is coming to picture. I have calling at bank like anything but to no vain. Every other HDFC bank person has been misguiding so far.
I talked to Mr. Nishant whose number I somehow fetched through at friend. I explained him my condition and said to provide me with complaint redressal id but never reverted. In fact he switched off his mobile.
I want peace of mind. I want my exercise my rights. Please suggest how to lodge my complaint with consumer forum and RBI in a proper manner.
Please suggest.
A sufferer!!!
To HDFC
Please provide me with your HDFC, Rajouri Branch Direct numbers.
Preferably, the Branch Manager...
would like to talk and raise the issue of Customer harassment, who has
given the right to your employees for abusing and misbehaving with the
customers.
I was shocked when I visited the link below, everyone has faced the
same problem with the bank... and It is only HDFC.
If your employees are not aware, that Harassment is a Punishable
offence, and if everyone lodges a complaint against this, your bank
would be asked to pay heavy compensation.
The numbers from which the call comes are:
66219061
66219001
66219031
66219091
43145200
43145300
http://www.consumercourtforum.in/f36/hdfc-bank-credit-card-complaint-5074/
Note:
Please refer to the RBI ruling mentioned under:
RBI / 2005-06 / 211
DBOD.FSD.BC. 49/ 24.01.011/ 2005-06
All Commercial Banks / NBFCs
(Excluding RRBs)
iii) Fair Practices in debt collection
(a) In the matter of recovery of dues, banks / NBFCs may ensure that
they, as also their agents, adhere to the extant instructions on Fair
Practice Code for lenders (circular DBOD. Leg. No. BC. 104 /09.07.007
/ 2002–03 dated May 5, 2003) as also IBA’s Code for Collection of dues
and repossession of security. In case banks / NBFCs have their own
code for collection of dues it should, at the minimum, incorporate all
the terms of IBA's Code.
(b) In particular, in regard to appointment of third party agencies
for debt collection, it is essential that such agents refrain from
action that could damage the integrity and reputation of the bank /
NBFC and that they observe strict customer confidentiality. All
letters issued by recovery agents must contain the name and address of
a responsible senior officer of the card issuing bank whom the
customer can contact at his location.
(c) Banks / NBFCs / their agents should not resort to intimidation or
harassment of any kind, either verbal or physical, against any person
in their debt collection efforts, including acts intended to humiliate
publicly or intrude the privacy of the credit card holders’ family
members, referees and friends, making threatening and anonymous calls
or making false and misleading representations.
Please do not give any request number or anything... Strict action
would be appreciated.
Friends, it is strange to see, its only HDFC bank, which has got so many complaints...
and almost every mail has new name and same complaint.
which shows, all employees are same.
Please email me, we need to take strict and legal action against this.
Regards
Siddharth Gupta
[protected]@gmail.com
Please provide me with your HDFC, Rajouri Branch Direct numbers.
Preferably, the Branch Manager...
would like to talk and raise the issue of Customer harassment, who has
given the right to your employees for abusing and misbehaving with the
customers.
I was shocked when I visited the link below, everyone has faced the
same problem with the bank... and It is only HDFC.
If your employees are not aware, that Harassment is a Punishable
offence, and if everyone lodges a complaint against this, your bank
would be asked to pay heavy compensation.
The numbers from which the call comes are:
66219061
66219001
66219031
66219091
43145200
43145300
http://www.consumercourtforum.in/f36/hdfc-bank-credit-card-complaint-5074/
Note:
Please refer to the RBI ruling mentioned under:
RBI / 2005-06 / 211
DBOD.FSD.BC. 49/ 24.01.011/ 2005-06
All Commercial Banks / NBFCs
(Excluding RRBs)
iii) Fair Practices in debt collection
(a) In the matter of recovery of dues, banks / NBFCs may ensure that
they, as also their agents, adhere to the extant instructions on Fair
Practice Code for lenders (circular DBOD. Leg. No. BC. 104 /09.07.007
/ 2002–03 dated May 5, 2003) as also IBA’s Code for Collection of dues
and repossession of security. In case banks / NBFCs have their own
code for collection of dues it should, at the minimum, incorporate all
the terms of IBA's Code.
(b) In particular, in regard to appointment of third party agencies
for debt collection, it is essential that such agents refrain from
action that could damage the integrity and reputation of the bank /
NBFC and that they observe strict customer confidentiality. All
letters issued by recovery agents must contain the name and address of
a responsible senior officer of the card issuing bank whom the
customer can contact at his location.
(c) Banks / NBFCs / their agents should not resort to intimidation or
harassment of any kind, either verbal or physical, against any person
in their debt collection efforts, including acts intended to humiliate
publicly or intrude the privacy of the credit card holders’ family
members, referees and friends, making threatening and anonymous calls
or making false and misleading representations.
Please do not give any request number or anything... Strict action
would be appreciated.
Friends, it is strange to see, its only HDFC bank, which has got so many complaints...
and almost every mail has new name and same complaint.
which shows, all employees are same.
Please email me, we need to take strict and legal action against this.
Regards
Siddharth Gupta
[protected]@gmail.com
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or better still I feel it would be just 30000 on your card - beg borrow or steal and get rid of the credit card debt at once if these hdfc guys are not converting to emi - anyways the damage to the credit is already been done - no need to visit anywhere - ye saale bhaukne wale kutte hai ye kaat nahi sakte - post more here about the exact situation - no need to post the credit card number or personal details - just post the whole story - I may be able to provide some guidance - I have dealt with these xuckers so many time
Till then chill