Dear Sir
I took a car loan from Bank of Punjab in 2004 which later on because Centurian Bank of Punjab and now it has been taken over by HDFC. I had given post dates cheques as part of the loan formalities which were being deposited by the Bank regularly to start with. We never had any follow up from the Bank. At the end of the loan term when we contacted the Bank they said I have not repaid the full amount and they have levied a hefty fine - whereas they had not deposited the cheques on time. They never followed up on the instalments not recovered too which means they were unaware of the whole thing.
I do not want to pay any fine for the same. I would like to instead ask for compensating me for their lapse and putting me in hardship by asking for a lumpsum all at once. Please advise. I had written to grievance.[protected]@hdfcbank.com regarding this but the response is not hepful.
regards
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