[Resolved] HDFC Bank — Paying Extra Late Payment charges

[Resolved] HDFC Bank — Paying Extra Late Payment charges

M mithun aditya from Mumbai, Maharashtra

Who ever it May concern I am having hdfc credit card no is ******0660. I payed the due for the month of april 09, before my last payment date, still HDFC BANK CREDIT CARD charged Rs.600 as late payment. I had spoken to customer care, credit card department & clearance department all I got is assurance. I thought not to pay on this time so that they can reach me, though they called several times, & assured me that they will pay me back which will reflect in my next statement. I paid almost half of my total due amount, still this month statements I am again charged with late payments & they not even paid me back Rs.1200. I had send sms to the concern lady who had spoken to me, now she is not even picking up my calls. Please do the needful Mithun Aditya Was this information helpful? No (0) Yes (0)
Aug 14, 2020 Complaint marked as Resolved
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Comments

Tarun Goyal

from Delhi, Delhi

I had a credit card with an Indian Bank. I had made some late payment in 2 instances (late by 2-3 days) Accordingly, they had levied some bank charges, which I had not been accepting and had requested to reverse the charges on account of my huge usage of the card. The bank did not agree to it and I stopped using the card. After few months, the bank cancelled my card and I was not in a position to use the card. I had made all the payments on account of my purchases except the late payment charges. After few months the bank's lawyer sent me a letter claiming to pay Rs 13 thousand. Later on I had enterted into a verbal settlement with the bank's settlement team for an amount of Rs 10 thousand. This amount could not paid for a reason, that either I was not available for some time or he was not available for dome time. After couple of months I had received another notice claiming Rs 17 thousand.

When I reached to the bank for paying Rs 10 thousand, I was informed that though my account stands settled, I will not receive any NO DUE CERTIFICATE and my name will still be referred to CIBIL caution List.

I have two queries. 1 - Even after paying Rs 10 thousand and settleing my account, cant I claim NO DUE CERTIFICATE and can they refer my name to CIBIL.

2- As the bank has stopped my card services and send me a letter from a lawyer once for Rs 13 thousand and the matter was under negotiation isnt my liability freezed to that amount. Can the bank increase the liability later on as in this case to Rs 16 thousand.

Please help.

Shivani

from Delhi, Delhi

very bad experience with hdfc credit card. Customer care executves are very harsh. The door step payment collection most of the is a fraud