[Resolved]  HDFC Bank — Asking money against Settlement amount

according to my records I had issued 8 cheques of 2543/-INR in Lieu of my Settlement , however at the earlier period of my settlement I did not have sufficient balance in my HDFC account , to which I had called the Bank and spoke to Samit Joshi , who then was located at Chandivali branch , and he had instructed me to make a payment of 300Rs in cash , inorder to continue with the settlement , which I did the same day , also the following month there were 2 deductions that were done for the Card , which was quite acceptable to me , then all the payments were done as perthe schedule as I had already provided the PDC's , then in may I was again asked to make a payment of 2110/- for the settlement and was assured that I will be getting a no due statement , I waited for it but still nothing , again in June I was asked to pay 2110/INR for one last time to fulfill the settlement which was again done , and all these transactions do reflect in my Bank statement , which even you can have access to on my cust ID : 22654064 .

Now , to my worst nightmare again after 2 months I am being harassed by the Recovery agents asking me to pay 2200/- INR and the settlement would be done , all the call are available with me in a recorded format for your reference . now I really consider this as unethical on part of the bank , and harsh and troublesome behavoiur of you recovery agents , I am currently probing into the matter and have found that "Z.Z consultancy " is the auhtority thats causing me problems o behalf of HDFC . Also if according to you the settlement was revoked earlier , then WHY was'nt thee any communication done with me by Bank , Also even after the revoking of the sttlement the Cheques provided by me were honoured against the settlement .As it was the same amount as agreed in the settlement , whch again is against the Ombudsman Rule of conduct . So , I would now be compelled to take this issue rather more seriously wherein The Bank and The recovery agents are to be brought under the circle of Questioning and Reasoning , alongwith be being in the loop.also if there was a bounce of Cheque , the bank has already levied Bounce penalty and the amount of the cheque is deducted as well.and even afer that the payment was still taken against the settlement , which means that I was taken for granted somewhere , because of which I have to bear Harassment.

I would appreciate if you could resolve this issue at your level , or let me know the further course of action being taken by you .

Awaiting in Anticipation for your response.

Warm regards,
Sameer Syed
[protected]

[protected][protected]-------Bank's Reponse to the earlier complaint[protected][protected]
Dear Mr. Syed,
This is further to your e-mail dated 08.09.09 and subsequent conversation with our Bank officer regarding your HDFC Bank credit card account. On receipt of your email, we have reviewed the card account in detail and wish to share the following with you.
Our records indicate that, settlement was offered on your card account during September'08 for an amount of Rs.19000.00 payable in eight installments against the card outstanding. As you may be aware, settlement offers are time bound and are decided based on the prevalent outstanding dues on the card account. Hence it becomes essential to avail/comply to the terms of the settlement offer by effecting a payment towards the agreed amount within the stipulated period, in the absence of which the same would be considered void. In view of the same, owing to non receipt of payment in accordance with the settlement offered, the same was revoked and the entire outstanding became payable immediately.
Further, to non receipt of required payments towards your card dues, we wish to confirm that Bank regularly attempts to establish contacts with customers to apprise them of the outstanding dues and facilitate payments towards the card dues. While we have explained this, we regret any inconvenience caused to you in this regard
We reaffirm that your credit card has been invalidated from further usage and there is an outstanding of Rs.34395.77 payable on your card account as on date. We request you to effect payment towards the same at the earliest to preclude further levy of bank charges.
Mr. Syed, please feel free to get in touch with our bank representatives at the contact number:[protected] / 28249635 or write to us at customerservices.[protected]@hdfcbank.com for any further assistance / clarification that you may require.
In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory guidelines, we are required to mention that you may approach the Banking Ombudsman (appointed by the Reserve Bank of India), in the event you are not satisfied with our handling of your complaint. Should you wish to exercise this option, please log on to our website "www.hdfcbank.com" for details of the Banking Ombudsman Scheme - 2006, for further information on how to escalate complaints to the Banking Ombudsman.
Assuring you of our best attention at all the times.
Regards,
Rajeswari Jayasekar
Senior Manager - Service Quality
Credit cards

[protected][protected][protected]Earlier Forwarded Mail[protected][protected][protected].
Customer Type : Resident Indian
Customer Name : Sameer Syed
Country : INDIA
City : Mum
Mobile No. : [protected]
Email ID : [protected]@rediffmail.com
Product about which Complaint / Feedback : Credit Cards
Other Product about which Complaint / Feedback :
Your Complaint / Feedback (s) : This is for the Illecit/threatening language used by a HDFC colloction Representative, who called me on 08/09/2009 from [protected] repaatedly and Name being Namdev , and later spoke to Samit joshi , both located in Andheri branch.namdev started raising his voice and used a threatening tone without providing me any options or suggestions, as the call was in regards to the settlement of my card mentioned,I would be compelled to approach the print media with this kind of threatening Calls for recovery.

also The stellement amount was of 19000 /- inr and for which I have already paid 19500 /- last month i was told by another Recovery agent that I need to pay the amount of 2192 for continuing clearing of the settlement , which was duly paid by me and was also told that i would be recieving a zero Due statement soon , which I has'nt recieved . now suddenly aome wird recovery agent with threatning tone calls saying that I need to pay another 2200Rs to clear the settlement , which I have clearly denied to , and i am being told that he would approach my organization for further consiquences.

My customer ID is : 22654064 with HDFC with which you can get the complete payment details.

looking forward for a resolution to this as I would be compelled to take this to legal level otherwise.

Are you HDFC Bank's Customer? : Yes
Relation with Bank : Credit Card Holder
Account / Credit Card / Loan Account No. : [protected]
Branch Name : Ghansoli