[Resolved]  HDFC Bank — Complaint about the harassment by HDFC Credit card vendor executive and her colleague

Address:

Bangalore, Karnataka

Dear Sir/Mam,

I am srinivas, am a credit card holder with your bank, card limit is 30000 and i was used 25000 in the month of dec 2012
and i have paid the amount more than 30000 rupees till oct 2013, when i was paid last amount 4000 rupees hdfc collection agent said that
you have cleared all amount and you don't want to pay any amount in future but now am and my brother frequently getting harassment and threatning calls
from HDFC collection manager (Richmond circle Branch Bangalore) Mr. Prakash M. NO [protected] and his colleague [protected],

Am getting harassment calls from this no [protected] (HDFC Collection Vendor) and asking pay the amount 54000 rupees immediaty otherwise, he is saying that
he will do harassment to my family members and hdfc collection team not following any RBI rules,

RBI Rules:

(iii) Fair Practices in debt collection

(a) In the matter of recovery of dues, banks / NBFCs may ensure that they, as also their agents, adhere to the extant instructions on Fair Practice Code for lenders (circular DBOD. Leg. No. BC. 104 /09.07.007 / 2002–03 dated May 5, 2003) as also IBA’s Code for Collection of dues and repossession of security. In case banks / NBFCs have their own code for collection of dues it should, at the minimum, incorporate all the terms of IBA's Code.

(b) In particular, in regard to appointment of third party agencies for debt collection, it is essential that such agents refrain from action that could damage the integrity and reputation of the bank / NBFC and that they observe strict customer confidentiality. All letters issued by recovery agents must contain the name and address of a responsible senior officer of the card issuing bank whom the customer can contact at his location.

(c) Banks / NBFCs / their agents should not resort to intimidation or harassment of any kind, either verbal or physical, against any person in their debt collection efforts, including acts intended to humiliate publicly or intrude the privacy of the credit card holders’ family members, referees and friends, making threatening and anonymous calls or making false and misleading representations.


i would like to inform hdfc concern manager, please advise me

1) Who is concern manager ?
2) Where i want to meet?
3) His contact number and address?

i would like to lodge a complaint against the banker as well as the concerned vendor(used abusive over the phone with my neighbours and my family)


awaiting your response,


Regards,
Srinivas
A/c No [protected]