HDFC Bank Bank Credit Card — unsolicited phone calls

good evening,

My name is Nilanjan Das and I'm an employee of IBM Daksh Gurgaon, Haryana. I hold my salary account with HDFC Bank who, allowed me a credit card, last year. Incidentally, I misplaced the card and immediately the card account was blocked. However, since March 2008 I've been issued bank statement(s) for the repayment of the card amount and since then, I've been making the payment(s), till date.

In one occassion I failed to pay the entire amount by the mentioned date and since then the problem started. Some Ms Pooja (for HDFC) started calling me and warned me of dire consequences if I donot make the payment by the end of the month. And now it seems a practice for HDFC to call my number and the worst part is they are calling my family out there in Kolkata (west bengal) and my office.

This month due to financial challenge I've made a partial payment and have informed HDFC (this time it is some Ms Shruti) about my incapibility of paying anymore, THIS MONTH. But the phone calls continue and owing to that I forwarded a mail to the bank informing about the unsolicitated calls made to my office & my family.

I asked them when I'm available on my mobile number and when your collection executive visits my place (regularly) to collect the monthly instalments then, why call my family or my office? When I've been re-paying the bank all these months and when I've already completed partial payment this month, can I not be allowed some extra days and thereby allow to pay next month? When the card was provided to me with a profit-motive for both the parties then why use o[censored]nparliamentary (and profaine) language for a customer?

And the following experience is rather shocking. I was called today morning and was asked the same thing of clearing the payment by the month-end. And this time I was verbally blown off as to why did I write such a mail to the bank?

I'm surprised- -surprised by the idea that as a customer I wrote a mail to my service provider about my dissatisfaction(s) for which I've to show reason to one of their collection executives? I wonder irrespective of attending calls and the collections executive from the bank then why such harrassment and use o[censored]nprofessional languages over the phone? Why such social harrassement? And in such a messy situation with this quality of service offered why should I think about HDFC (or refer its name to others) next time?

Rgds,
Nilanjan,