Dear Team,
This is for your information that I have received a letter against the loan account no 12176844 on 5/6/2009 from “HDFC Bank Ltd. RETAIL ASSET DIVISION GILLANDER HOUSE, 1ST FLOOR A 1, 8 N S ROAD”. It is noticed that in that particular letter HDFC Bank Ltd. clearly indicated “we shall recover the possession of the said vehicle in the event you failed to pay the whole of the amount Rs. 3, 077.00”.
I am unable to know the reason for making the payment of Rs. 3077.00 to HDFC Bank Ltd. without any cheque bounce & other reason duly informed to me with proper evidence like cheque return memo since my bank statement with account no [protected] (Axis Bank Ltd.) shows there is no cheque bounce as such.
It is requested to shows some evidence for making payment since I already gave the PDCs (Post Dated Cheque) on date 5/3/2008. This is only harassing me & my family, since my parents are the aged person. There is endless call received for making the payment are herewith “[protected], [protected], [protected]”.
My intension for making the payment of Rs. 2288 without any charges since HDFC Bank Ltd still not provide any evidence for cheque bounce or other reason. It is like a water color picture with the tenure of 17 month not a single cheque bounce case appears.
Below mentioned are the PDCs details
Sl No Ch. Date Ch. No. Ch. Amount Name of the Bank
1 5/12/[protected] 2288.00 Axis Bank
2 5/1/2008 023363 2288.00 Axis Bank
3 5/2/2008 023364 2288.00 Axis Bank
4 5/3/2008 023365 2288.00 Axis Bank
5 5/4/2008 023366 2288.00 Axis Bank
6 5/5/2008 023367 2288.00 Axis Bank
7 5/6/2008 023368 2288.00 Axis Bank
8 5/7/2008 023369 2288.00 Axis Bank
9 5/8/2008 023370 2288.00 Axis Bank
10 5/9/2008 023371 2288.00 Axis Bank
11 5/10/[protected] 2288.00 Axis Bank
12 5/11/[protected] 2288.00 Axis Bank
13 5/12/[protected] 2288.00 Axis Bank
14 5/1/2009 023375 2288.00 Axis Bank
15 5/2/2009 023376 2288.00 Axis Bank
16 5/3/2009 023377 2288.00 Axis Bank
17 5/4/2009 023378 2288.00 Axis Bank
Red marked indicates amount is not clear without any reason from HDFC Bank Ltd.
It is requested to close the loan account no 12176844 on an urgent basis.
Please do needful as early as possible...
Thanks & Regards.
Kousik Adak
[protected]
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However, I was one of those who got laid off from work in Sept 08 and have been able to get employed only a few days ago. Hence there still is an amount of approx Rs. 22000/- which is due on my account from the then made settlement agreement, which I am willing to pay.
I got a call from one of your collection exec. Anup on 17/12/09 who called me from[protected] threatening me about the status of my account and the consequences of not paying. This call was made to my landine number on which I asked him to call me on my mobile number [protected]. I told him about the situation and that I have secured employment and would be able to pay it off gradually.
I once again got a call from Anup, who was very aggressive and told me to arrange for an amount of Rs. 30000/- by the 25th of December. I repeatedly kept on telling him that I would get paid on the 7th of January and would be able to make any payment arrangement only by that date. He abruptly hungup by telling me that he would call back by 5 pm today.
While I completely understand that it is my moral responsibility to pay, and I promise to do so, however there certainly is no room for harassment calls like these which could force a customer to have suicidal tendencies.
This certainly is not an attempt to evade the debt, but I wanted to highlight the gaps in the processes. I request your immediate attention to this issue and a amicable solution to the same.
Please feel free to reach me on [protected]
Regards
Vivek Iyer