[Resolved]  HDFC Bank — Not doing settlement by HDFC Credit Card

Hi,

This is Rakhi Mukherjee, from Kolkata. Nowadays I am facing a big problem regarding my HDFC credit card account. Actually I have taken a Credit Card from HDFC back last year. I was using the card as well as making the payment for the same till FEB'09. But on FEB'09 I went to Mumbai due to some official work. While moving to Mumbai I lost my purse on the train itself, but I didn’t know where it has been lost. The credit card along with the Official I Card and few documents also lost. After that I have forwarded a mail to HDFC bank stating the current status, didn’t get a single reply from them. Even if I didn’t get a single collection or reminder call from their collection department. I was thinking also to make a settlement of the account as it was really getting a headache. But suddenly on this month (i.e. SEP'09) I was supposed to withdraw my salary from my salary account on 7th SEP'09, co-incidentally it was a also an account from HDFC. But when I checked my salary it was showing pending in Ledger Balance. Then I have confirmed from my office that my salary has been processed from them and from my office I have been informed that may be due to some banking issue its getting delay in crediting. After two day crossed, seeing that I am not able to withdraw my salary, I called up phone banking of HDFC. I have been informed that it may be a Credit Card holding but they would call me up within 24 HRS with the relevant reason. After getting No Response from them after 24HRS I went to my HDFC branch.They also were not able to clarify me the reason also committed to call me back within a span of time. On the same day I got a call from my Branch at 8:30pm stating that "it may be a Credit Card holding, as they also don’t know the reason for the same". Also they asked me to contact with their Credit Card department. I have done the same very next day. I went their Credit card section at Gilender House, Dalhousi, Kolkata-1. They confirmed that it is a Credit Card holding has been done by them only as I had a Credit Card with a different account with my name. Then I approached for a settlement as I also wanted to close the chapter, but they told me that they would not do the settlement as they have already got my salary on hold. I requested to them to release my salary after doing a settlement, i make them realize my current financial condition as I am the only earning member of my family and this is the month DURGA PUJA, so my salary is very much needed as some expectation my family has on me. After couple of days I again visited the Credit Card branch on today regarding the settlement. I talked with Archita Biswas, Avijit and Tapan, concerned person of Credit Card. Again they told me that they wont do the settlement, instead of that they charged me to give the full salary for this month (Rs 12000) and Rs 10000 more with four PDC of my current account. This to make you informed that my total outstanding of my account was near about Rs 20000. I requested them many times for the settlement but instead of doing this they talked with me in very sarcastic way.

This is to bring you kind notice that, I also spoken in my office to change my salary account or to process my salary in Cheque but as per their policy it is not at all possible. Means I would be working month on month and would not be able to withdraw my salary as from HDFC they have informed me that they would take the total money of Rs 22000, after that only they would release my salary account. Kindly see my condition that due to HDFC, I won’t be able to continue my JOB. They are hampering my personal as well as my career or professional life. And trust me if they are not releasing my account I have to leave my JOB only, I don’t have a single option other than that. I would be JOBLESS for this HDFC bank


Would request you to look my issue and kindly revert with the proper resolution as early as possible as I am really in a pathetic mental condition. I would be glad if you kindly resolve my issue.



Rgds,
Rakhi Mukherjee
[protected]
Kolkata-103