HDFC Bank Credit Card Division — Harrasing and charging abnormal money

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Copy of Mail sent on Tuesday, Dec 22 2009 1:22PM
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Dear Mam,

I had spoken to Mr. Chetan Bakshi and he has confirmed the Bank has given approval on 34000/- approx.

I want a copy of the approval mail to see whether it has approved by Chennai Branch.

Finally I request you to pls. take the matter with the Approval Team once again, as on the limit of 15 Thousand, I have already paid 33 Thousand on behalf of Settelment letter issued in the Month of April-2008 and now in the re-settelment process the Bank Is asking to Pay 34 Thounsand on the current outstanding of Rs. 45725.52

Do you think it is ok, that on Rs. 15 Thousand Card limit one has to pay 67 thousand in 2 time settlement.

I also wish to inform you that on 16th Dec. I received a call from your bank regarding that my settelement was approved on a amount of 20 Thousand in 8 Installement, but after asking the person regarding the settelement letter he told me first you have to pay the 1st Installment then the letter get issued. After Consulting Mr. Chetan Bakshi he told me that you request is still not approved by the bank.

Whats going on in the bank?

Pls. look into my concern and suggest this type of issue is happening in the Bank.

Thanks
Kapil Sinha

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Copy of Mail sent on Tuesday, Nov 3 2009 3:56PM
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Dear Sir,

Pls. help me:

My Name is Kapil Sinha and now i was a Ex - Customer of you bank and used your Silver Credit Card No. : [protected] having total payment due of Rs. 41, 763.87/- till 3-Nov-2009 with a Credit Limit of Rs. 15000/-.

I requested for settlement of above mentioned Credit Card in April-2008 and the payment has to be submitted in 8 Monthly Installment with Amount 25800/- approx. Due to some financial problem i have paid the complete amount on April-2009.

As per your Agents if you continue the payment after the Max period (Dec-2008) including 1 Month Grace period the settlement will not get invalid.

On the faith and goodwill with the bank i have paid the complete amount in April-2009.

Now i received a call in Jun-09 that your settlement was now null and void as you have not paid the amount within the settlement period.

I requested him (Agent : Mr. AMIT - [protected]) to pls. review my payment history of the above settlement and suggest. He told me that for this i have to take approval from my Chennai Branch (HO) and comeback to you. In continuation i received a call from him on 22nd/23rd Jun and he confirmed me that your request has been approved and for this you have to Pay Rs. 6000/-. I have arranged the money from here and their and paid on 24th Jun, 09.

He also confirmed me that you will received a Rs. 0/- balance statement in the month of July-09. I the month of July-09 i received the same with my Payment Due not of Rs. 0/- its the actual Balance. I continuously tried his Cell No. more that 15 Days but he was not picked up the Phone.

Again i received a call from your collection center (Agent : Mr. Nitesh - [protected]) in the month of Aug-09 regarding payment. I told him all the mentioned case history and from him i got one upsetting news that the my above request was rejected by HO because your payment was suppose to be collected before 20th Jun, 09. as request of Mr. Amit was expired on 20th Jun, 09 and i got the confirmation call on 22nd/23rd Jun and Mr. Nitesh Requested me to pay Rs. 1970/- to again sent the request to Chennai Branch (HO) for acceptance. But on 15th/16th Sep, i got the news that your request for settlement is now null and you have to pay the amount of Rs. 39, 034.86/-.

Today i received a call from your collection agent from[protected] regarding full payment of Rs. 41, 763.87/-.

Finally one of my friend told me to write all the communication to the Grievance Redressal of HDFC Bank and they will defiantly help / suggest in this case.

Sir, I belongs from a middle class family and last year i lost my job and due to this my settlement payment got delayed, i have already paid More that Rs. 33, 000/- against the Credit Limit of Rs. 15000/-.

Your are my last Option against all the concern including Higher Authority.

Pls. help / suggest me what to do?

Regards
Kapil Sinha,