[Resolved]  HDFC Bank — HARRASSMENT BY HDFC RECOVERY AGENT

Address:

New Delhi, Delhi

I have written to the customer service dept of HDFC as i was treated very badly in recent times and have received this mail as a response towards that! I would like to clarify certain things on my part as well. Let me just try to explain the REASON for me writing this mail as you seem to be completely UNAWARE of it!! As you have written below, i will just make your statements bold to make you understand....

(We observe from our records that your card account is currently overdue. We request you to effect a payment of the overlimit amount (Rs.10969.64) to regularize and make your card account available for further usage. )

I have been asking HDFC (Ms.Suman, Manager) to kindly CLOSE my credit card and trying to ask you for FINAL SETTLEMENT. I am really surprised that even after this request being in your records, you want me to make payment so that my card a/c can be regularized and made available for further usage?????

I had written earlier too stating that i was VERY UPSET with the way you guys treated this matter.... No where in the mail trail do i EVER SEE YOU APOLOGIZING for the same....

The card is issued in my name:
I am responsible for making the payments and have been doing so in the past too....
I have given my residential address in your records.

But no where have i EVER mentioned my maiden name, family details, contact nos or my parents name for that matter. But you seem to have all the details... Upon asking, you never have any answer for that. How can you associate a third person with regard to this card (in this case being my parents)??????

Your customer service representatives have been calling up on my parents cell and landline nos left right and center......They have disclosed my father's A/C details to my husband stating " HIS A/C IS LINKED TO YOUR CARD, HENCE WE WILL CHARGE HIM!!" There is simply no privacy being maintained...
My father is unable to work in office as he is just left attending calls from HDFC the whole day long!!!
Upon arguing, the representatives said " SAARA KHAANDAAN HI HARAAMI HAI"!!!!!!!

Is this the sort of treatment one should be expecting from your bank???

You print the CODE OF CONDUCT behind all letters that you send to me, but where is it being followed??? There is not even a single clause that you follow.....

-You would be contacted at the place of your choice and in the absence of any specified place of your residence, at the place of business/occupation.
- Identity and authority to represent would be made known to you in the first instance.
- Your Privacy would be respected.
-Interaction with you would be in a civil manner.
- Normally our representatives will contact you b/w 0700 hours.
- Your requests to avoid calls at a particular time or place would be honored as far as possible.
- Time, number of calls and contents of conversation would be documented.
- All assistance would be given to resolve disputes or differences regarding dues in a mutually acceptable and orderly manner.
- During visits to your place for dues collection, decency and decorum would be maintained.

Even after me telling you guys repeatedly NOT TO CALL MY PARENTS as they are simply not involved is not understood by you.

You seem to have every possible detail that may or may not be required by you, but you do not have a complete statement which shows the total payment that i have made towards the card till date??????

Am really surprised on the way you guys function. Your guy calls me up and says
" REPAYMENT KI AUKAAT NAHI HAI TOH LOAN KYUN LETE HO??"
" AAPNE TO CAR LOAN BHI LIYA HUA HAI..."

FYI, i have already closed the car loan a/c in my name and the funds were not given by your employees or you as a bank. I made a complete payment, so it would not be in the right sense to question my repayment capabilities!!!

And let me just add another line for you all...

If people like me stopped taking loans from banks like you, i see no way your bank functioning normally and giving out salaries to these ill mouthed CSR's that you have hired!!!