[Resolved]  HDFC Bank — Defaulter in CIBIL

Address:

Jodhpur, Rajasthan

Dear Sir
Please find my credit card number XXX.
As per my statement for the month August total outstanding was 618+608+407=1633. Where as the payment due date was 28.08.09. I have given a cheque on 23.08.09 of Rs 1633.00 of Syndicate Bank dated 24.08.09.
Somehow due to the signature difference Syndicate Bank returned that. This was just a human error which can happen with anybody.
I didn't get any information from Bank side that Syndicate Bank has returned the cheque before 5.09.09. Where as my bank has returned the cheque on 25.08.09.
I am unable to understand that when they are sending me the monthly statement on net why you don’t provided me this information on net so I can make the payment on time.
Instead of all this when I talked on call center no proper reply was given to me.
I was going to deposit the amount to HDFC bank towards my outstanding but same time I received a call from call center Jaipur as well as Jodhpur branch/Recovery Agents that “ Our agent is coming to you please give that amount to him”. Several of times I got such phone calls but nobody approached me.
In the month of September I talked again at call center and they guided me to deposit Rs 5500.00 because they told me that they are sending the request for late fee reversal. Just after that I cleared my total outstanding Rs 5500.00 except then late fees which was Rs 444.00 because I was continue in touch with your call center for the reversal of that late fee. But I didn’t get any call from bank side. Instead of the reversal, month after month late fee has been charged.
Again when I call to call center they told late fee reversal is not possible but till that time several late fee has been charged and I was unable to know what to do.
Later I got the statement in which they mentioned that they have suspended my card.
Please guide me what was my fault in this matter, why should I loose my credibility in bank when I have given the cheque 5 days earlier of Rs 1633.00 and 3 days earlier of Rs 5500.00
I talked at call center regarding that thing on 2nd April 10 which request number is [protected] at 13.43pm. They informed me that your person from Head office will call me regarding this issue within next 7 working days after checking all the data but till date I don't received any call from bank side.
Now because of this matter bank has made me defaulter and therefor that has worsen my CBILL.
Please guide me what to do.
Mukesh Prajapat
K-87, Madhu Sadan,
Subhash Marg, Massoriya,
Jodhpur
[protected]
[protected]
[protected]@yahoo.com