[Resolved]  HDFC Bank Bank Credit Card — Unjustified Charges

HDFC Credit Card — the unjustified call for settlement

Hi,


I had a credit card, which I stopped . But, , , surprisingly, i have received somany calls and a call for settlement, which is totally ridiculous, and unjustified.


My credit card issue has been manipulated by the bank and my father been harrassed over phone.

Rgds,

Debashish

Salary Blockage — UNJUSTIFIED SALARY BLOCKAGE

To
The Manager

Ref-Settlement of my Credit card

This has reference to Credit Card No. [protected] that I had been using regularly from the year 2006.If you go through my payment schedules you would notice a healthy transaction .But recently there were some non-payments as I’m going through a tremendous financial crisis due to my father illness who is suffering from cardiac blockage and is at an INSOLVENT STATE .As a result of which I have to run my family alone which includes his entire expensive medical treatments and the overall expenditures of the family.

However, in a view to come to a settlement point I made a request for a minimum settlement..The last settled amount told was Rs.55, 000 in 8 mnths installments .But a single earner like me who is also having a loan (Account No.[protected] cannot afford to give 6000 from my salary as per month EMI amounts to Rs Rs.3697, So keeping in mind all these I requested your executive Ms. Ruchi Khanna to make a further effort of minimizing my amount.But she with her rude behaviour screamed at me and ORDERED me to pay the first shot by cash.How can an executive specify the customer by to pay by cash to fulfill her monthly target.

But it came as a sudden shock to me when I found my entire salary has been blocked by the bank without even a prior intimation to me inspite of me coming forward for settlement? Is it in accordance with moral laws and follows humaneterian ground?

Kindly do the needful as every paise matters to me now and my father is without his medicines from last 7 days.Any untrroden incidents if occurred in between due to this delay would compel me to knock the highest court of justice.

Still I wish to settle the issue in a clean and clear manner and hope to receive your hands of cooperation in this regard.

Thanking You

Moumi Chakraborty
#[protected]

Hai,

I had a credit card No. [protected] and it got misused on 3/1/09 & 4/01/09 and I informed to customer care to block the card & gave the complete with your complint formate. After wards i have not received any result & i paid the balance which only my usage. afterwards i received the new card i informed the settle my complint, after two months it got blocked.

after wards simply bank is sending the statement & i have getting the calls from some agencies.
last week one person called me for settlement & he affered Rs. 2500/- for settlement. He commited once you paid to 2500/- with in 24 hours your card will be activating and your balance with be writing off.


As per his commitement I deposted to bank Rs. 2500/- after that i have not geting responce from that person I need to know he is from bank of any agency Ph no.[protected].

I need to solve the complete & i want to use the cards. please send the clarity.


I

Dear Bhawana,

I would like to advise you in the view point of a professional finance expert.

First of all you should note that CIBIL [Credit Information Bureau (India) Limited] is an informative database of all customers having any kind of financial liabilities (past/current and good/bad) with all the financial institutions. This database is updated by all the financial institutions on a periodic basis with regards to the payment track of customer. Hence, the customers name are never DELETED but are updated on a periodic basis in the database.

So as far as your concern towards the DELETION of your name from CIBIL is clearly.

Now It is quite good that presently you are in a position and willing to make the outstanding payments pertaining with your credit card in FULL.You should inform HDFC BANK for the situational default which had taken place earlier.

Certainly if you should write directly to aditya.[protected]@hdfcbank.com ; tejali.[protected]@hdfcbank.com;Grievance.[protected]@hdfcbank.com about this in order to have a proper response.

Bhawana you should note that None of the financial institution wish to loose any of its good customer.Obviously if you are also a good customer of HDFC BANK ; better prove it by putting a mail on the above mentioned ids about your intention.

You may write me for any further assistance if required.

Best Regards
Kumar Rajneesh
B.Com, M.B.A., L.L.B ( Sydney )
Head
INDIAN CONSULTANT GROUP
Finance & IT Consultant
(Specialisation in Banking Disputes & Grievances )
visit us : www.indianconsultantgroup.com

Well this sounds like a solution... I have a similar issue, I reported the CC that my card has been charged with a Overlimit though I haven't used it to that extent, some interest charges were incurred and it seems that they added to my current outstanding and piled ever since then. I requested the CC and also the collection guys and I have no response, I went to the bank and its the same response that they cannot do anything about it... please suggest

There is no meaning to write only Aditya Puri & Tejali. As both of them has personal relation between each other.

aditya.[protected]@hdfcbank.com; [protected]@hdfcbank.com; Grievance.[protected]@hdfcbank.com; [protected]@hdfcbank.com; chairperson.[protected]@hdfcbank.com; Mpatel.[protected]@hdfcbank.com; Kmistry.[protected]@hdfcbank.com; kbharucha.[protected]@hdfcbank.com; Usarangi.[protected]@hdfcbank.com; Snadhamuni.[protected]@hdfcbank.com; Ssachar.[protected]@hdfcbank.com; Sparekh.[protected]@hdfcbank.com; Mranganath.[protected]@hdfcbank.com
zenobia.[protected]@hdfcbank.com; [protected]@hdfcbank.com; Surabhi.[protected]@hdfcbank.com; Sonia.[protected]@hdfcbank.com

[protected]@rbi.org.in; [protected]@rbi.org.in; [protected]@rbi.org.in; [protected]@rbi.org.in; [protected]@rbi.org.in; [protected]@rbi.org.in; [protected]@rbi.org.in; cms.[protected]@rbi.org.in