[Resolved]  HDFC Bank — Housing loan ac[protected]

Address:

Ghaziabad, Uttar Pradesh

Sir/Madam,

I availed a Housing loan from HDFC Bank in March 2010. The EMI is Rs 8323.00.

I was paying all the Installments through PDCs. Some of the PDCs could not encased by the Bank, I paid a big interest including humiliation and mental harassment and defaulter in CIBIL Score.
During the arguments with HDFC Bank, Bank told me that bank doing its work very well. So, I must pay the extra charges for delayed EMI due to PDCs.
I deliberately converted my option for loan EMIs through ECS in place of PDCs.
Last ECS was charged by HDFC Bank on 15th March, 2012, the ECS for the Month of April, 2012 and May, 2012 did not charged by the HDFC Bank even there was a sufficient balance was available in my Bank on the ECS date for the months in question.
The HDFC did not communicate me, but deliberately reported me as defaulter in CIBIL score.
I request to the Authority of the HDFC Bank and CIBIL, please tell me that-
Who will responsible for such type of incidents?
Who will pay the defamation charges for this type of defaulter?
Is there any monopoly between Indian Banks and CIBIL to promote private money landing business?

Regards

Ved Prakash
[protected]