[Resolved]  HDFC Bank Bank Card Division — Cancellation of Card without prior Information and Preclosure of Loan and leaving of Charges

Dear Sir,
This was to bring to your kind notice that I owned an HDFC Credit Card for nearly 2 Years now which has been Cancelled by the Bank Authorities without any Prior Intimation and above this they also preclosed a loan amount and levied the closure charges on it and are asking me to make the payment so as to avoid any further additional charges.
I own this card since almost the past 2 years and have never been a defaulter in paying any of the installments or dues what so ever occurred by the purchase made with its use. The problem started when I requested them for a change of address as I was shifting from the city of Baroda to my home town of Chhotaudepur. They asked me to give them a written request for the change of address duly signed by me. I obliged and did what exactly they asked me to do. After a few days I received a letter from them and also a call from their Customer Center Executive saying that the address provided by me was of a Non Serviceable area and I need to provide them with a alternate address which is of a serviceable area. I inquired with them about what are the serviceable areas so that I can provide them with appropriate address but they denied to let me know about it and said that you just send in a request and we will let you know if that address is serviceable or not. On their instructions I then provided them with a second address of the city of Baroda which is definitely a serviceable area as one of my friends gets all communication in the very adjacent house. After doing this I again received a letter from them on the 28th of July which through the post duly stamped stating that as this is a Care Of address it will not be considered and I will have to provide them with a address that can reach the Primary Card Holder without any C/O or Care Off name. But before I could do anything regarding this very letter received on the 28th July 2009 my card was already blocked and a Insurance loan was preclosed asking me to make the payments immediately which was nothing less than a shock to me. I Called the Customer Care Executive at[protected] to inquire about it and the lady replied me that she can’t help me in anyways and what I will have to do is again write a letter requesting to Re-activate my card and provide with an alternate address. I did send 3 different letters at the HDFC Bank Card Division, Chennai Office requesting a change in address which was not at Care Off address this time, the second letter inquired about the reason of preclosure of the loan and asking to credit it again and third was to Re-activate my care and change of Phone number. But I haven’t received anything or heard anything from them.
On the contrary I received a letter on the 5th Aug 2009 which was dated 27th July 2009 duly stamped from the post which said that my Card has been cancelled and I need to destroy it and make my payments immediately which is not at all acceptable.
Just to sum it up I received a letter on 28th July and replied on 29th with all that was requested but before all this can be done i.e. on 27th July they had already dispatched the letter cancelling the card.
Sir, I Simply demand justice and please advice the further. I have to suffer a lot because of this unexpected thing and behavior of the HDFC Bank Card Authorities which always informed me after things were decided and done against me and my HDFC Bank Gold Card. I was not able to make my Ticked bookings and also was not allowed to do my shopping because of this for which I had travelled to the city of Baroda. It was nothing less then embarrassing and humiliating.
I have all documents to prove myself correct in any court of Law.
Expecting a favorable response
Yours Truly
Ketan Pandit