[Resolved]  HDFC Bank Bank Loan — Not allowing me to close my loan.Trying to ignore/avoid my closure request.Black mailing me by saying that my name will be registered with CIBIL

Address:

Chennai, Tamil Nadu

Respected Sir,
I have taken car loan from HDFC Bank Loan No: 20784339.I requested for part payment of Rs45000/- but HDFC bank didn’t accept my request and they showed me an bit of printed paper , in which it was mentioned that part payment can be made only after paying my Sixth EMI.
At last they collected my part payment on 10th September 2012 and they sent me an document in which they asked me to pay my Next EMI October EMI for entire amount that is Rs.98000.I have raised a concern that I have made my part payment in the month of September and why should I pay EMI for the entire amount.
When I raised a concern customer care executive asked me to wait for some time and they asked me to meet their manager. I met their manager Pavithra/Ramya. I told that I want to close my loan account with HDFC bank since I am not satisfied with bank terms and condition and also they are trying to cheat customer by avoiding or ignoring customer Request, by which they can stop the customer from closing the loan and also they can Earn more interest from the customer.
When I asked HDFC manager why can’t I close my loan whenever I want .She is telling that customer cannot ask the bank to close their loan account whenever they want, if they force the bank close the request bank will register those customer name in CIBIL. Which will make me to stop have any other banking facility in all over the world.
I don’t know whether CIBIL is Government concern to address every individual issues or it is created by Government to work act like a Rowdy or Goondas for Banks and other Money Generating concern.
I request CIBIL to make proper rules regulation for registering individual name in CIBIL database. Else MNC banks like HDFC will threaten every Indian Citizen. Stop this kind of fraudulent activities of HDFC Bank.
Thanks,
T.Natarajan