[Resolved]  HDFC Bank Bank Credit Cards — Withdrawal of credit card payment from savings account without intimation

Address:

West Bengal

I was holding a credit card of HDFC bank number [protected], for which I had asked for settlement. They had given an amount of Rs.7700 in the month of November 2010, for which I told I will come back for settlement. In the mean time I had some family problem & had to take my family to Chennai on 26th Dec 2010. Unfortunately without any intimation they(HDFC bank), simply debited the full amount @Rs.15,454.00 from my HDFC savings account. When I called their Grievance Cell number at[protected] & spoke to Ms. Rashmi,she told she will come back to me, but in vain. Then I wrote a mail to them for which I got the response as below :

From: HDFC Bank Credit Cards Support
To: SBHATTACHARYA77
Date: Jan 25
Subj: 'HBL=[protected]'

Dear Mr. Bhattacharya,

This is with reference to your recent interaction with HDFC Bank regarding your credit card account.

We take this opportunity to clarify the circumstances which led to placement of lien on your bank account. As you are aware, in the absence of regular payments towards amount outstanding, your card account was invalidated. Owing to the same, the bank representatives had attempted to contact you to facilitate payment.

As we were not in receipt of any payments towards the amount outstanding, lien was placed by the bank and appropriate notice has been sent to your mailing address. Our cardmember agreement clearly mentions the fact that the Bank, at any given point of time and without notice, will have a right to place a lien and set off on all monies belonging to the cardmember standing to their credit in any account whatsoever with the bank or in the possession or custody of the bank. In the absence of any positive revert from you, the lien was invoked and an amount Rs.15,454.00 was claimed from your savings account.

For any further clarification on your card account, you may contact our Debt Management Officer at the below mentioned number.

Ph :[protected] /[protected]

Assuring you of our best service at all times,

Regards,

Jai Kumar
Deputy Manager - Correspondence
Customer Services

Just going through the above response if suppose I did a mistake by having a Savings account with HDFC & this they call as best services at all times.

When I asked them about my settlement letter, they simply told I had not done any settlement. Very Strange. Then where the amount gone that they deducted from my Savings account?????

Now I don't know how to get the settlement letter from the bank?? I suppose this is the best example set by a private bank for holding any Savings account or Credit card from them.

Regards,
Shekhar Bhattacharya.