[Resolved]  HDFC Bank Bank / Credit Card — EXTORTION BY MISLEADING HONEST CUSTOMERS

This is to inform you that I received a letter a few days ago which states that I have an amount of Rs. 40318.66 which is outstanding on my HDFC credit card no: [protected].

Let me inform you that HDFC bank and Me came to an amicable settlement on the above mentioned card, reference no: to which is S 0240807 and the settlement letter is dated the 21/7/2008 and the amount to be settled was agreed on 13500/- only.
Now the first installment towards the settlement payment was made in cash, an amount of 4000/- receipt no: 6412204, dated the 26/7/2008.The second and third payments were supposed to be made by cheque, but unfortunately due to an unforeseen circumstance these payments were not made. So after getting in touch with various representatives from the bank, it was agreed that the rest of the payments were to be collected by a third party agency employed by HDFC bank. The subsequent payments that were made are as follows: 3000/- receipt no: 6916009, 2000/- receipt no: 14603813, 1060/- receipt no: 6959903, and 2440/- receipt no: 8820310. After making these payments I was assured that my NOC letter would be received at my mailing address within 30-45 working days.
Now the mis-communication from HDFC's end was that, the HDFC bank representative who called me to make the final payment, misinformed me about the amount, which to my assumption was actually 3440/- and NOT 2440/-
After I received your letter I was shocked, as to my knowledge I had already honored my settlement with HDFC. So I took out all the receipts and calculated the total payable amount which I found to be 12500/- which is 1000/- short of the settlement amount of 13500/-.
You please tell me that after paying 12500/- towards my settlement,"WHY" would I not be willing to pay a nominal amount of 1000/- more?
The simple reason being that I was misguided by the representatives employed by HDFC, so why should I suffer the consequences when it's really not my fault. Do you call that justice? I call it another way of extortion from customers like myself who are willing to make honorable settlements and who do not turn tail and run. I am surprised with these tactics being employed by HDFC, and as a genuine person I implore you to find a suitable solution.
Also I have been in contact with an advocate, who represents HDFC bank,
S.VIDHYA
ADVOCATE
7/3, KADAMBARI APARTMENTS, CIT COLONY II MAIN ROAD, MYLAPORE, CHENNAI - 4,
and after repeated reminders to find a solution, the advocate has failed to contact me.
Also I have been in contact with a Legal Team head of HDFC bank's collection department, Ms. Archita biswas, e-mail:archita.[protected]@hdfcbank.com, and she too has failed to respond to my repeated attempts of coming to an amicable solution to the problem at hand.

Today the 12th of December HDFC has frozen my existing salary account and has without authorisation debited 6144/- INR from me towards the outstanding amount against my card.

In response to this I have registered a complaint with the RBI and with the Consumer forum.

So please contact me Mr. Nigel Jennings at Ph: [protected], as soon as this complaint is registered.

Thanking You;
Nigel Jennings.
([protected])