[Resolved]  HDFC Bank — Delay in Payment of Premium Through ECS

Address:

Hooghly, West Bengal

To,
Mr.Amitabh Chaudhry,
Managing Director & CEO,
HDFC Life


Sub: HDFCSL Classic Assure policy, Policy No 15237504, Indrajit Chakraborty: Total Mismanagement at the Concerned Deptt.

Dear Mr.Chaudhry,

Its a shame for the HDFC life that at last a customer is writing to the highest authority like you. I think HDFC is paying salary to some unprofessional group of people who have little idea how to manage a professional deal. Due to such unprofessional personalities ultimately the good name of the highest authority is getting ruined.

I reference to the policy number mentioned above I like to state that the due date of payment of this policy was 18th June 2013. According to the contract paper signed by me the payment should go through the ECS method linked with my HDFC bank account at Chinsurah Branch West Bengal. But till date it has not been debited from that linked account. On 19th I contacted the customer care department of HDFC life and Mrs Vineela Guthula reported me that the debit permission has been activated on 18th June and according to the rule of HDFC life it will take 48 hours to be debited. That clearly indicates that Mrs Vineela was either not well informed about the information to be catered to the customer or intentionally she told a lie to make me diverted. On the other hand I can say that HDFC life is harassing its customers which is objectionable in the legal way. Today I contacted the customer care department and Mrs Shamira picked up my call. According to her once the debit permission is activated it should be happened at the earliest. That means at this point either Mrs Vineela was wrong or Mrs Shamira. I do not who is correct!! Legally HDFC cannot divert the customers in this unprofessional way. Later on Mrs Shamira admitted that it is fault of the concernned department. According to her voice the request came from the HDFC branch on 15th May 2013 (more than one month back) and the policy became activated on 24th May for payment. Now when she was asked why payment has not been executed through ECS method she answered update was not there with them and sometimes it happens. Then I asked her, why this kind of delay in payment has not been monitored by the respective department officials? In answer she again told sometimes it happens...that means how casual this concerned department!! Please note it down. At this point she told "it has happened this time....from the next year it will never happen. Please submit it manually." .....I told "OK, I will definitely do that but before that the concerned departmental authority has to write a letter to me admitting their fault. In that case I will forward that letter to MD and I will try to pay the amount manually". In fact that is the legal and proper way....otherwise I cannot pay it manually as long as that ECS method is activated. Moreover why I will do that? Since I have thousand and one appointments round the clock and I remain very busy with shortage of time. Getting this Mrs Shamira added that it was not possible for them to give any such kind of letter admitting everything, rather every time she was requesting "Sir please forgive for this this time, next time it will not happen." I became surprised to note their childish behavior.

Out of 15 days grace period from the due date already 5 days have been passed. Due to any negligence or to such type of delay, I become victimized at any point now or in future I will be forced to send the legal notice to the desk of HDFC. In other way I have to also do complaint to the Govt of India regulatory body.

Hope this mail to the highest authority of desk will give a ready solution at the earliest since I have complete faith on the highest authority. And I also want a permanent and happy relationship with any house I remain associated with.

With Best Regards

Indrajit Chakraborty, Ph.D
M: [protected]