[Resolved]  AHLUWALIA CONTRACTS (I) LTD. — discrepancy in hdfc credit card statement dt 16.10.2008

To,
The Officer In Charge,
Behala Police Station.

Kind Attn. Mr.S.R.Sarkar

Dear Sir, Date: 02/12/2008

That on 31/10/2008 I received a statement of my HDFC Bank Credit Card No.-[protected] Stating that their were four transaction on 29/09/2008 and 15/10/2008 indicating that an amount of Rs.20000/- was withdrawn through cash (Copy enclosed).

That the aforesaid credit card was never lost and the secret PIN was never opened by the undersigned and it is in my possessions.

That the statement dt.16/09/2008 stated that my credit due was Rs.28811/- (Copy enclosed)

That in the statement dt.16/10/2008 my credit balance suddenly increase from 28811/- to 47323/-.

On the advise of Customer Care of credit card section I had lodged a complain in their Charged Dispute Form (Copy enclosed).

There after I had been disputing the discrepancy in the statement dt. 16/10/2008 stating two main points.
1.> If somebody has done any fraudulent through the ATM counter then the individuals photo should be recorded in the Audio Visual Memory.
2.> It is physically impossible for the undersigned to use the credit card because I have not opened the PIN (Copy enclosed).

However, I have come to understand from HDFC authorities that they did not have the Audio Visual facilities of the time of transaction on the said ATM counters.

In view of the facts stated about I would like to put formal complaints on the following grounds.
a.> I would not pay the disputed amount and any interest there of in the cash withdrawal of Rs.20000/- .
b.> That I would not continue my credit card account with HDFC Bank credit card
c.> Further, I should not be harassed by HDFC recovery manager on this count.

This letter my be treated as First Information Report.

Please acknowledge the receipt of the same.



Thanking You,


Abhimanyu Banerjee

APPARAJITA APPARTMENT,
FLAT NO. 2, 63 A /1, BASUDEBPUR RD.
KOL- 700061

Ref. gd no. 251/08 dt.03/12/08


[protected][protected][protected][protected]


Manager,
HDFC Bank,
Credit Card Division,
P.O. Box – 8654,
Thiruvanmiyur PO
Chennai – 600 041.


Dear Sir, Date : 02/12/2008

I would like to close my credit card A/c no. [protected] with immediate effect and I would commit myself for clearing the credit card dues of Rs.22441/- which was in my credit card balance of card no. [protected].

I am enclosing herewith the FIR lodged in the Behala police station for your ready reference.




Thanking you,


A.Banerjee
[protected][protected][protected][protected]

let us above are self explanatory, and i would expect to settle my credit card account in accordance to the principlas of fair play and customer relationship of your bank