[Resolved]  HDFC Bank Bank Home Loan — Guilty officer Nitin Misal from Home Loan Department of HDFC Bank

Address:

Maharashtra

Dear Sir,
I want to bring it to your kind attention that some days ago I was approached by Shri. Balasaheb D Gaware who is holding his home loan account with HDFC bank.(A/C No.[protected]. He said to me that he wish to clear all the outstanding in his account but he is not approved with some of the penalties and interest rate calculation done by the bank. As per his version, whenever he approaches HDFC bank, he does not get clear understanding about the amount and interest rate calculation etc.

For that matter he handed over to me a authority letter and asked me to inquire about status and present outstanding in his aforesaid home loan account.
For the same reason I entered the premises of HDFC home loan office, near KSB Chauk, Chinchwad for inquiring about present outstanding in his loan account so that he could pay the amount and clear the loan.
When I entered the office of HDFC Home Loan at around 3 O'clock on 12/04/2013, I was told to meet Ms. Nidhi.

Ms. Nidhi told me that she can not provide me with the information and the authority letter is not sufficient and they would like to see the applicant in person. When I told her that applicant is not in the position to come physically and thats the reason he has sent me with an authority letter duly signed and attested by him, she said to me that she can not even talk to me any further and it will be better if I walk out of their premises. When I said that atleast give me the number of your higher authority so that I can consult with them, she denied having any such number with her.
Then suddenly Mr. Nitin Misal sitting beside to her stood up and started to shout at me. He told me to just get out of the office otherwise he will through me out of the place. When I told him that this type of behavior is not suitable for an officer like him, he pounced upon me and tried to thrash me and started to push me away. When I reminded him that he cannot touch and physically push me like that, he started to abuse me by using all sort of slang and uncomplimentary language and again tried to physically manhandle me.
In between he was asking me that why I was demanding his superior's numbers and said that he is not afraid of any senior and told me to go and lodge complaint with any one and no senior officer can do anything to him.

Considering the gravity of the situation and looking at the uncontrolled aggressive postures of Mr. Nitin Misal, my friend Mr. Tushar who was accompanying me tried to douse the situation and took me away from the officer and I moved out of the office premises.
Then I got the telephone number of his superior office from Pune and I called onto them[protected] to lodge my protest. The officer on the other-side listened to me patiently. He was at first tried to be factful and reminded me that information of an account can not be provided without an authority letter, but then when I reminded him that I am already carrying an authority letter he surprised me by saying that they need to first check the "sanctity" of the authority letter that I am carrying. He then tried to shield the guilty officer saying that he can't believe that anything like that has happened and instead told me to be calm and not to escalate the matter.
After narrating this incident I would like to emphasis that I am requesting for a stringent and strict action against Mr. Nitin Misal and a departmental inquiry must be initiated against him for abusing, threatening and manhandling me.