HDFC Bank — Mental distress

Address:

Pune, Maharashtra

To

The Manager

This is to inform you that I Olivia Mamani have availed of a loan from HDFC Bank on 1st August 2009, my loan account no is 15222041 and I have made payment towards this loan since then.



But since April 2012, i am unable to make payments towards the same due to some problems in my family.



I had taken this loan to help my sister in law, initially she paid the loan instalments but then she stopped as a result of which i started paying the loan. i lost my job in May 2011 but i still continued paying the loan from the provident fund i got, but that money also got exhausted, so i started to work in a school to support my family but my husband also lost his job and could not get a job due to which there were a lot of differences in the family and we parted ways and no longer stay together. I stay alone with my 4 year old son in my friends house.



I had approached the HDFC Loan Department on 18th April 2012 to ask for a settlement of my loan at a less amount as i was unable to make payments for the same.



In the month of November i was constantly called up by the HDFC Loan Department Officials, they asked me to come and speak to them, i went to their office but i could not meet the concerned person as he was always out.



I have not received any communication whatsoever from the Bank since then.



However on Saturday evening 2nd February 2013 at 17:28 i got a call from one Mr Azhar who claimed to be calling on behalf of HDFC Bank Loan Department.



he asked me if i was aware that my file was logged in to legal, to which i replied yes i am aware as when i was speaking to another official in November 2012 he informed me that the file would be logged in to legal if i did not make the payments on time.



So he stated that my loan file has gone to the legal department and that a non bailable warrant has been issued in my name for 10th Feb 2013, due to non payment of the loan instalment.



After which I explained to him my situation and that i would not be able to make the payment as i draw a less salary and i cannot support my son's expenses as well as pay the loan instalment i also informed him about the conversation i had with the HDFC official in November about the same and that i had not received any revert from them at that point of time and suddenly out of nowhere he calls me and says that a non bailable warrant has been issued in my name.



To which he replied that if i wanted to stop the legal proceeding then i need to pay at least 2000 towards the loan and the warrant will not be issued i said how is that possible as i have not received any calls before about this and it is not a case that i am absconding or changed my mobile number or not answering the calls. infact i have personally visited the branch and informed them about my situation and also wanted to do a settlement for a less amount for which i was called but not attended to



to which he replied you see what you want to do in any case you dont have the money to settle the loan so you can atleast take 2000 from your parents or someone and make the payment and stop the legal proceeding



so i asked him if he expected me to sit with my 4 year old son in the jail as obviously i had no support whatsoever from any of my so called family to which again he replied to pay the 2000 orelse the non bailable warrant will be issued and that it was my call



this is to bring to your notice the harrasment of your HDFC Loan Department. kindly enlighten me as to where did i go wrong and what is my mistake being a responsible customer i visited your branch and informed you about my situation i asked for a solution but got no help being single mother my first and only priority is my son if you want to put me in jail because of that then that is your call but be rest assured i am not going to leave my son at home i will make sure he sits with me in jail and sees what his father and the HDFC Loan Department has put us through.



Thanks and Regards

Olivia P Mamani