[Resolved]  HDFC Bank — HARRASMENT THROUGH LATE-FINE AND SETTLEMENT

Dear Sir,
This is to bring in to your kind notice that I’m an HDFC Bank Credit Card Holder with card number ([protected]). This was a renewed number which was allotted to me when my card was stolen in the month of October, 2007. I’ve registered a complaint in the HDFC Customer Care[protected] and they blocked my previous card number ([protected]). But I didn’t receive the new card on my own wish as I didn’t want to use it any more. But, when I lost my card in the month of Oct, 07; it had a balance of Rs. 26652.02. I never made any purchase as I didn’t have the card. All purchases which was showing in the statement is based on the late fees, one cash-on call EMI of nearly Rs. 700/- and finance charges over the total outstanding amount ( Total Outstanding Amount has a good support of late fee charges imposed on me every month ). I’m continuously paying all the charges Bank’s callers asked me to do with some gaps. But these gaps are just because of the fact that I wasn’t receiving the Statements continuously. During my last correspondence Address (S-33, Top Floor, School Block, Shakarpur, Delhi-92); I’ve received only 3 statements for the month of Feb, March and April, 08. Rest all days; I was blank as far as payment is concerned. How can I judge as what I had to pay and when until I get a hard copy of the statement? I resided at the above mentioned address from March, 07 to October, 09. And in this 19 months, I’ve received only 3 statements and when I received those statements, I never got late in payment. I’ve talked with Bank’s callers who used to call me for the payment when I was late due to non-availability of hard copy of the statement; they always promised me that they would ask their Collection-Executives to provide me a duplicate copy when they would come to me to collect the payment but it never happened. Then they start saying that they are mailing the statements over my e-mail ID but I’ve told him that I’m not a continuous user of Internet. So, the problem remains the same and I’ve paid Rs 40283/- from the date when I lost my card. But when I lost my card it had a balance of Rs.26652.02. So, I’ve already paid Rs. 13630.98 extra without any cause. So, first of all my late fine should be waved-off and also the finance charge incurred over that. But now I have changed my Correspondence Address from S-33, Top Floor, School Block, Shakarpur, Delhi-92 to S-9, IInd Floor, School Block, Shakarpur, Delhi-92 in the month of November, 08; and I have updated in the HDFC Bank’s system through their callers and they are continuously collecting the money from my new address. Still, I’m not receiving any statements (hard copy) from the bank and its being 10 month’s at the new address. So, can you plz ask to refund extra paid money as well as the finance charge incurred over it to me. So, the late fee charges imposed during November, 08 to Sep, 09 would be11x500=5500 and late fee charged when I didn’t get the statements (at my last address) for 16 months would be 16x500=8000. So, you are requested to ask to refund the extra paid Rs 13630.98/-.
When my request of considering the problem of not getting the hard-copy of the statements and waving-off (late fine charges with finance charges incurred over it) request was not entertained by HDFC Bank’s Callers, Collection Executives and Customer Care Number[protected] I finally asked their callers to settle my account ASAP. The Customer Care Executives of the Help Line Number[protected] raised finger over my intention of not paying the money and didn’t register any complaint. Can one can raise finger over my intention after going through my payment details (I’m attaching the details). By the way, Then finally, I decided to go for a settlement and asked the Callers and the Collection Executives to settle my account ASAP. They promised me that it would be done soon and they have forwarded a request regarding the same in the Settlement Deptt of HDFC BANK CREDIT CARD DIVISION as far as their statements are concerned. I requested for the settlement in the month of May, 09. From then, I’ve paid 3 payments (For May, June and July, 09) of Rs.1400/- each month as asked by the Callers. But when I again asked for the improvement in the case of settlement, One of their Team-Leader at Rajouri Garden, New Delhi branch (Miss Namrata Dogra ,[protected] assured me that my account has been settled and I need to pay Rs. 8500/- with SIX EQUAL EMI’S of Rs. 1433/- starting from 30th Aug,09. But I need to pay the all six EMI’s of Rs. 1433/- on or before 22nd of every month till the last EMI completes. But when I enquired about the Settlement Letter, Miss Namrata Dogra said that it is not ready and promised me that it would be provided by the next day (31st of August,09) if I would pay the first EMI of s. 1433/- on 30th of August,09. I believed her and paid the payment in cash to the Collection Executive Mr. Vinod (#[protected]) against the Reciept No. 9861524 of AOK Inhouse Factoring Services Pvt. Ltd., Naraina Industrial Area. (#[protected],16). Miss Namrata Dogra has given me her Direct Line Number[protected] if she gets late in providing me the Settlement Letter the next day i.e. 31st of Aug,09. But when she didn’t call me the next day, I tried her number but it was switched-off. Then, I call Mr. Vinod and he told me that it would be due to the chances of Closing of the month. But from the last 18 days, I’m continuously calling that number of Miss Namrata Dogra but it is continuously switched-off. On 18th Sep,09; Miss Neha called me up from HDFC Bank’s Rajouri Garden, New Delhi Branch for making payment of Rs 1300/- something, I’m not cleared about the exact amount she quoted as I was upset with the name of HDFC Bank with this painful experience. But when I told her that my case has been settled for Rs. 8500/- with Six Equal EMI’s of Rs. 1433/- and I’ve already paid first EMI last month and I’ll not pay the rest EMI’s until I get the copy of Settlement Letter. She was surprised to know that my case has been settled and she has no details regarding the settlement of my case. Then, I asked her to ask Miss Namrata Dogra to call me. Then on 19th of Sep,09, Miss Namrata Dogra called me and asked me to submit the payment. When I asked her about the Settlement Letter, She told me that The HDFC Bank is not issuing any settlement letter these days and my settlement letter would be provided by November, 09. But she assured me that my case has been settled and at the same time threatened me if I’d not pay the EMI before 22nd of every month, the settlement would be automatically cancelled. When I asked, why she didn’t tell me when I made First EMI of Rs. 1433/- 0n 30th of Aug,09 about this non-availability of Settlement-Letter ; she angrily replied me that the Land-line number gone Out of Order. Then, I told her that she should have called me using other number. But I was astonished to hear what she said on this suggestion of mine; she said that she has a lot of customers asking for Settlement and she has no-time to call each and everybody and telling their status. It’s the responsibility of mine to pay the EMI of that Settlement which is settled as far as Miss Namrata Dogra is concerned and not-settled as far as Miss Neha and HDFC Bank is concerned. Now, WHERE I STAND………I DON’T HAVE ANY SETTLEMENT-LETTER SO WHAT IS THE BASIS OF PAYMENT. When I asked Miss Namrata Dogra to give me the number of some senior person or a letter from HDFC Bank certifying that my case has been settled, she said that she can not do so. But threatened me again if I fail to pay the SO-CALLED EMI of Rs.1433/- on or before 22nd of Sep, 09 and in the moths to come until the clearance of six EMI’s; my settlement would be cancelled and I would be forced to pay the total amount.


So, this was the whole detail what I’m going through. Nobody is there to help me out and HDFC Bank’s mechanism is as complex as one common man would not like to fight it out. This is very well known fact and their guys are using it negatively. Still, I’m hopeful that you will go through my case and give me the positive solution. From waving-off the fine-charges and finance charges incurred over it, just make it settled ASAP.


Regards,
Manish Patel.
Credit Card Number-[protected]