[Resolved]  HDFC Bank AUTO LOAN — Auto Loan Agreement No. 17740402

Address:

East Delhi, Delhi

I am a senior citizen and currently suffering from paralytic attack.

I was called up by Madam Sneha whose mobile number is [protected] and told that she's speaking on behalf of hdfc and asked if I am interested in a car loan. I said yes. Thereafter, a man named Mr. Satpal Singh, whose mobile number is [protected], came to my office and on my requirement got sanctioned a car loan of Rs 3,46,000 against which I wasn't paid the total amount as sanctioned and got signed some paper from me for the purpose of deduction of installment from my account number CNRB0001956 through ECS @ Rs 11,248 for 3 years and charged me Rs 1000 for an unknown reason and told the receipt of the same will be issued to you soon. Mr. Satpal Singh also collected some posted dated and current cheques stating that these cheques are for the purpose of security and will never be produced for encashment. The statement he gave me in writing also.

In the month of January, 2011, Madam Swati from HDFC called me and informed me that your cheque of Rs 11,248 on account of installment paid by me has been bounced. I replied to send your man to collect the installment along with the bounced cheque. A man came to collect the fresh cheque in lieu of the bounced cheque and I also narrated the whole story to Madam Swati and she confirmed the same from Shri Satpal Singh. He apologized and said I will come to you and set right the whole process immediately and in future no cheque will be produced for encashment.

In the month of Feb, once again Madam Swati called me and informed that your ECS has been bounced. I said Ok, you send a man to collect the cheque. I confirmed from a bank that there was no ECS form submitted for deduction of my installments. I narrated the same story to Madam Swati. Madam Swati apologized for the inconvenience caused to me and assured me that a man will come from HDFC to get your signatures on a fresh form for deduction of installments (ECS) from my account.

Now, in the month of April, once again, some Mr. Amit called me and said your ECS has been bounced once again. I got agitated on listening to that and asked him, you send some senior man from Hdfc to listen to my complaint and set right the system, so that there should be no complaint in future. And I also gave him a number of Madam Swati since she is aware of my problem. I also gave the phone number of Mr. Satpal Singh, who is responsible all the problems, whatever has occurred. He refused to talk to Mr. Satpal stating that my service will be in danger if I talk to Mr. Satpal. I do not know why the service is being is in danger if the problem can be sorted out from a person who has created the problem.

Now, I have the following issues, which may please be sorted out as soon as possible:
1. My Bank so far hasn't been informed about the deduction of installments from my Account through ECS. My bank should be informed properly so that in future there should be no problems and confusions for deduction of installments
2. Why a penalty or interest, if any, in lieu of bouncing installments should be recovered from a person who ever responsible and action should also be taken whether its a DSA or a person directly working for Hdfc since I believe DSA is also working for Hdfc or on behalf of Hdfc
3. On what account Rs 1000 cash as a charge by Mr. Satpal Singh was taken and why a receipt of the same has not been issued to me

An early action in this regard will be highly appreciated.

Regards,
Mr. H.C. Grover
Auto Loan Agreement No. 17740402
Ph.: [protected]