Dear Sir
I had taken personal loan from HDFC BANK . Please find the lawyer notice to HDFC bank with case details as follows:
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Dharmadhikari M. D.
M. Sc., LL.B.,
ADVOCATE
Sterling Nisarg - II,
Flat No. 8, Pari Company Road,
Dhayari, Pune-411041.
Date: - 04/10/2008
NOTICE
(By Regd. A.D.)
To,
The Branch Manager,
HDFC Bank Ltd. (Recovery Department),
Retail Asset Collections,
Oswal Bandhu Saha Building,
Shankar Sheth Road,
Seven Love Chowk,
Pune-411042.
Sirs,
Under the instructions of my client, Mr. Sanjib Maity, R/at – Flat No. 502, Dafoddils, Gulmohar City, Kharadi, Pune-411014, I hereby address you the notice without prejudice to my client’s legal rights, as under:-
1) My client has taken a personal loan of Rs.2, 00, 000/-, from your Bank, in the month of December 2007. The agreed Equated Monthly Installment (E.M.I.) payable by my client was of Rs.5, 719/- to be repaid in 48 months. My client has repaid you Rs.25, 000/-, as on 13/09/2008, vide repayment receipt No. 11966483 dated 14/8/2008 and No. 11790307 dated 13/09/2008.
2) My client’s parents, grand father and grand mother met with a serious car accident at Bhadrak (Orissa State) on 27/12/2007 and my client lost his parents and grand parents, due to this accident. This has caused a great irreparable loss to my client and has disturbed his peace of mind. My client was away from Pune for about 3 months, to attend all the religious functions of his deceased parents. In the process, my client was unable to repay the loan amount, as per agreed E.M.I.
3) My client has already explained this situation to your Recovery Officer, and has promised that he will be updating all the repayment upto the period of September, 2008. Inspite of this promise, it is surprising to note that you have ceased my client’s Salary Account No. [protected], maintained at your bank at Kalyaninagar Branch, Pune. Not only that, but your officials have ceased my client’s September 2008 salary of Rs.21, 937/- and his account is showing debit balance of Rs.200/-.
4) My client has no any other source of income than his salary. Under such circumstances, if my client’s salary account is ceased and his total salary is forfeited towards repayment of loan, he will be unable to maintain himself and his wife. Please note that your high handed action to cease the salary account and the total salary of my client is illegal, unwarranted and against the provisions of law.
5) In view of this, my client hereby instructs you that his salary account be released and he may please be allowed to operate the account, within seven days from receipt of this notice, under confirmation to him. In case of default, my client will be constrained to initiate the legal action against you, at proper Forum, the costs and consequences of which you will have to bear and you will be responsibe for the same, which may please be noted.
6) The notice charges of this Notice of Rs.2, 000/- is to be borne by you.
Place: Pune.
( M. D. Dharmadhikari )
Advocate
Aug 14, 2020
Complaint marked as Resolved 
To
The Manager
HDFC Bank Credit Card Division
HDFC Bank
P.O.Box No. 8654, Thiruvanmiyur,
P.O. Chennai-600 041
Subject: Regarding wrong billing with reference to cash back plan.
Sir,
I wish to inform you that I am having ‘Gold credit card’ and my card No is [protected] (under Government service plan). The Gold Card is made through your sales executive named Shri Rajiv Kumar Nath whose is Nos. APP092 and his mobile Nos are [protected]. He has also informed and assured me that I will get 5 to 10 % of cash back on purchase of Petrol from any petrol filling station, purchase of IRCTC Electronic Reservation (Railway Ticket book of any train) and Air ticket for domestic airlines reservation. The charging service tax was not mentioned in the form, nor about was the quantum of purchase and no such clause shown to me about the quantum of purchase.
Instead, hoping to get Cash Back, I was charged 1.80% as service charges. I am also to mention here that your representative also assured my other colleagues who has got preferred Gold Credit Card that No-charges/Services charges are to be paid by any customer. This shows that your sales executive are duping genuineness customer by providing false information to the customers. The false information flouted by your Sales Executive will give bad name to your Bank customers.
Even I tried to talk on your help-line but no proper and satisfactory answer is given. That is why I am recording my complaint in writing to get proper and satisfactory answer.
I hope to get quick reply from your side which will help me to decide further about maintaining the Gold Credit Card issued by you. I also wish to mention here that City Bank is providing all such facilities free of charges.
Hoping to get early and quick reply from your side.
Thanking you
Yours Faithfully,
(PRABHU NARAIN SINGH SAMANT)
HDFC Credit Card Holder