HDFC Bank Personal Loan — Unusual Extra Charges

Address:

Ghaziabad, Uttar Pradesh

This is a complaint in Reference to the below mentioned Loan Account.

Name : Ravinder Singh Rawat
Loan Account No.11223241
Type : Personal Loan
EMI start date : 07/04/2007,
EMI amount : Rs.2334.00

The EMI of Rs.2334.00 for the Month of April 2009 was not debited from my account [protected], even my account is having a balance was Rs.3426.25
and i had charge a Cheque bounce charges of Rs.33.00 on 15/04/2009.

As I confirm my Personal Loan account balance at Customer care (HDFC Personal Loan Team), they are asking me to deposit a balance of
Rs.3767.00 approx. (Rs.2334.00 Installment + Rs.900.00 Cheque Bounce Charges + Rs.533.00 Late Payment Fees)

Q. Why should i pay the Cheque bounce charges & late Payment Fees ?
When i am not responsible for the Non -Debiting of E.M.I.

My Account is Having sufficient fund to pay the EMI and it is HDFC fault that they had not charged the Installment.
and at the End of the Loan they are asking for another Rs.1433.00 for these extra payment is not justified.

I am attaching the Scanned copy of my Pass book that clears the Amount at the date,

Request you to Check the Matter and Waived off the Extra Charges Rs.1433.00 (Rs.900.00 Cheque Bounce Charges + Rs.533.00 Late Payment Fees),

I am Ready to pay the Balance EMI of Rs.2334.00 ONLY,

but request you to offer a letter showing the Corrected Balance and waiving off the Extra Charges,

and also request you to Provide the NOC in the Same respect.

Waiting for Prompt and Positive Reply from your side.
--
Ravinder Rawat