HDFC Bank Complaints & Reviews

Hi this is Raj Kumar..this is not only a complaint about a product or service..this is about STRUGGLING FOR GETTING LEAVE....In HDFC BANK CREDIT CARD CUSTOMER CARE CHENNAI DIVISION ( GST ROAD, VADAPALANI, CHENNAI).. ALL HR POLICIES ARE NOT FOLLOWED. Senior Managers, Team Managers & Team Leaders are NOT ALLOWED to take Leave, WHETHER EXECUTIVES HAVE THEIR LEAVE BALANCE OR NOT.....
And Addition to this, They are working for 12 Hours a day..... They have to complete their staffing(Total Calls duration).......... If they complete their staffing within 8 hours also, they have to work for Extra of 2 to 4 hours for SALES...... IF AN EXECUTIVE CANNOT PICK A SALE OR ACHIEVE TARGET ( WHICH IS FIXED BY TEAM MANAGER OR TEAM LEADER, NORMALY HIGH....WHICH AN AGENT CANNOT ACHIEVE ON THAT DAY) They have to work for more than 8 hours......
If they achieve some sales also ....... Management needs more and more...which will lead to work for 10 to 12 hours a day........

This is not happening for 2 days or 1 week for month....THIS IS USUAL FOR ALL DAYS (WITH 1.5 DAYS ROTATIONAL HOLIDAY PER WEEK).
Who will look on to this????? IT IS EASY TO SAY "If you cannot adjust this, Just quit from the company".. But that is not fair..... Let the Operations Management or HR management should take action for this PROBLEM..
OR......... I do not know, it may possible Mr. Aditya Puri may see this message..

(Solution: This can be rectified by ADHERE TO THE WORKING HOURS , FOLLOW HR RULES & INCREASE in MAN POWER.............

Hi Sir/Man,

I am Ram Kumar. I had HDFC credit card and saving account in HDFC. I had converted my credit card amount into EMI installment and i did payment. Only last installment left at that time i call to your excutive for the last installment bring my NOC for my credit card then i will pay my last installment. But that guy not contacted me and it almost completed 6 to 7 month. Last month your office blockd my saving account and now they are saying you have to pay whole Rs. 31,000.

This is mistake from your side because your's executive not came to collect that amount. I have all bill that i paid to my HDFC credit card.

So many times i called to HDFC but my issue is not going to resolved so i am writing mail you.

I requested you please unblock my saving account because from this account my icici loan goes.

I am ready to pay the rest amount and unlock my saving account.

Could you please suggest me on this ?

I believe you will understand my problem.

Name : Ram Kumar
My Credit Card No: [protected].

Thanks
Ram Kumar
[protected]

I am applying for Personal Loan in Oct 2009 from HDFC Bank through HDFC Bank Executive Mr. Sushilkumar Singh (Mobile No.[protected]). My term for Applying for Personal Loan is Rs.200000 & repayment terms are 4 years (48 EMI). As per this term Mr. Sushil agree to provide loan facility from HDFC Bank.
When Loan was sanctioned from bank the repayment term is change for 3 (36 EMI) years instead of 4 years(48 EMI). This information I am forwarded to Mr. Sushilkumar & he say to me agree to take the loan & he would rearrange the repayment schedule from bank as per my terms.

After disbursing Loan Amount & transfer to my account Mr. Sushilkumar doesn’t agree to do so as per above.

So I am frosted for this thing of HDFC Bank executive Mr. Sushil Kumar Singh.

Dear Sirs,

I had Taken Auto loan from HDFC Bank Ltd for my Car make Wagon R in the year 2007 vide my Loan Account Number 11745870. I was paying my half yearly installments well in time through cheques issued by me of Canara Bank. When there was some ECS problem in the bank during the period around May, 2008, bank advised me to pay the installments in cash and accordingly I paid my installments through the bank representative. The bank was collecting cash from me every month upto the month of November, 2008. But when I personally visited the HDFC Bank Head office at Deer Park Safdarjung Enclave, New Delhi, I came to know that they have put my name in defaulters list and my name is blacklisted in all the records of the bank. At the same time I pulled out the information regarding the total outstanding of the Loan as on 28/11/2008. I paid the total outstanding amount of Rs. 1,90,599.58vide Cheque No. 000456 dt. 05/12/2008 drawn on AXIS BANK, Uttam Nagar, New Delhi and the same is cleared from the bank.

I am shocked to hear that even after the expiry of one year, my name is still blacklisted without any fault from my side. The bank has issued the No-objection letter also to me for the same vehicle.

I request your selves to please look in to this matter to resolve the issue and remove my name from the defaulters list which is still appearing.

best regards

Vinod Kumar Verma
[protected]

policy no: 10302796, I went to hdfc bank to purchase mutual fund, they got cheque frm me and issued youngstar plan saying this is mutual fund. when i requested to change in nominee they received all court documents from me and issued a letter that changes have been incorporated. When i asked company over phone i came to know they had changed only saddress and nominee details were not changed. They even did not inform me about that. The policy is taking my so much of time and energy. Its now six years , i can not surrender the policy because of rigidity of rules.

I am Kanchan Varshney, had invested in HDFC Tax safer three years back, after that i have changed my Bank account (which is 2.5 yrs back). Now the its time of redemption after three yeras lock-in. HDFC says now please produce a proof that you had a old bank account with original cheque or account statemnt of 2.5 yrs old closed bank account.
How do i prove it to them. I am giving all the details of the new bank account. But they are not ready to accept. I have place complaint on their website, but no one reverted back. There customer service is horrible. they are just here to harass customers,
I had the same time MF investment in Franklin and i got the redemption in three days time. without any issues.

I am so fed up with HDFC.

Serious Complaint against HDFC car loan
[protected][protected][protected]
Dear SIR/Madam,

I am a new customer with HDFC and all the salaried accounts of my company (over 100) are with HDFC. I would like to file a complaint with respect to their car loan processing. I am also submitting this complaint on various consumer online forums, so that others can become aware of their sub-standard service.

As of my background, I am a graduate from IIT Bombay with All India Rank 95, then worked at Bangalore for 3 years, then did Masters from York University Canada, and now recently joined as Principal Engineer (senior post) at a private company in Bangalore.

I applied for loan about two weeks ago with documents as requested by HDFC agents in Bangalore. 2 days later, they informed that my address proof was not valid (because my rental agreement was less than 3 months old). As per their suggestion, I applied for address change with HDFC bank so that it can be taken as a valid address proof. But that too didn't get changed over one week. So, then I submitted a copy of my phone bill as address proof, which was accepted. Now, they are asking for my FULL offer letter, because I have had no salary for last two years (because I was studying). I told them, that I can give a few pages, but not the FULL copy (as it will be a breach of confidentiality), but they are not accepting it. Note that previously they said that a copy of my pay-slip of first 10 days (through which my salary break-up can be easily deduced), statement of other bank (ICICI) and my previous Form 16s would be sufficient.

We had already discussed all the documents required RIGHT AT THE BEGINNING (two weeks ago), which I had duly submitted, but still more documentation is required, and that too which is highly confidential. I am extremely angry at the un-professionalism shown by HDFC employees. Because of them, my car delivery has gotten delayed and still no sight of processing. Everyday, I am travelling by auto rickshaw and have to handle their haggling every morning and evening. Everyday, I am coming to office late because of this. Everyday, I have to synchronize with their agents for 20-30 minutes on latest status, and then synchronize with the car dealer for another 20-30 minutes. Everyday their agents keep asking me to wait for 1 more day, for last two weeks!

I have lost tremendous valuable time, money and emotional energy because of this. And all of this for a car loan that is less than my 2 months salary....

I do not want HDFC car loan anymore, and will not engage in any other activity that I had planned with HDFC (like demat, PPF, FD etc.). I will also recommend other employees in my company (over 100), all of whom have a salaried account with HDFC for not engaging with HDFC bank for other activities.

Romil Jain

Sir,
I had purchased HDFC bank Credit Card last year and one phone came from them regarding Bajaj Allianz health insurance policy. i gave them the details and asked for the premium. the representative gave the total amount and the monthly premium and told me that a call will come from Bajaj allianz company regarding the confirmation of the policy. the call did not came but the statement came from HDFC bank credit card . i send a email that without confirmation call how did you send the statement of amount due on credit card. no reply . then month after month i send them the mails .after four months i received the policy. these people have torchered me, once i had cut the card and inserted into the atm box. they send me a new card. they kept on sending me monthly statement finall one day call came for recovery of amount. then the call came from bajaj allianz to giev me the evidence that i have confirmed the policy but the voice which i have heard was different from my voice and then i asked to which number had this call gone . the representative of bajaj allianz gave diffrernt number. it was not my number he told me that he will confirm the same and give a call within 15 minutes on sepetember 2009 and till today he hasent called me. now tell me if he had my correct number he would have contacted me atleast after one day. i refused to pay and told them right from the day one when i received the statement i am trying to contact you and now you are saying that pay the amount. one phone came from chennai he told me to send a duly signed letter requesting for cancellation of the policy i refused to do that because i have never accepeted the policy so why should i request to cancel this policy. then they told me to do the formalities and assured that every thing will be ok. so i gave them the letter and suddenly they have blocked my saving account means salary account and blocked my salary. i am the only person the family is depend on and i have to apy the housing loan and some personel loan with this kind of torcher i have come in front of you. i had warned them about this but they are still demanding to pay the amount which is approx RS : 8066.00 which i cant pay and why should i pay this huge amount. please give me the justice.


Iam not able to pay this amount . if it was my mistake i would have paid this.


please contact me on [protected]


Name Sachin Rane

Margao, Goa

Dear All,

I was appointed on 10 jan.2009 as a Contract sales Executive, Emp.Code-CP10025.Saving A/C Sales at Sec-37 Noida, I have Worked With Bank Under Smit Palta(SM), -N3740, and Nitin Shukla, ASM For More Than 3 Months But But I Have not got salary till today. I have spent there lot of money for Marketing of Saving accounts. I have Also Worked With Pankaj Matta(SM), Hapur, U.P.

I have worked with Bank with true honesty and on all holidys But they have not given me a single Rupee.
& when I asked for salary they never tell me right answer, they are not helping me.

So I hve a very Hertly Request to U all, for Getting my salary otherwise I will move to consumer court.I have enough documents to prove It with bank stamps.

Pushpendra prakash
Emp.code-CP10025

Date: November 15, 2009.
From
Sri Bijay Kumar Shah,
AC-116, Salt Lake City,
Kolkata- 700 064.
Ph. No. [protected].

Ref: Savings A/c No. [protected].
Customer ID- 1375316.
Sub: Loss of Demand Draft being No. 002048 drawn on Canara Bank payable at Kolkata of Rs. 4,800/- submitted on May 16, 2007.

Sir,

This is to inform you that I have submitted the abovenoted Demand Draft being No. 002048 drawn on Canara Bank payable at Kolkata of Rs. 4,800/- with the respondent bank on May 16, 2007 alongwith one Demand Draft being No. 002047 drawn on Canara Bank payable at Kolkata of Rs. 3,600/- in Savings A/c No. [protected] of my wife, Smt. Asha Shah. The draft submitted in my wife’s a/c was credited but the draft submitted in my account was never credited.

I have taken up the matter with the bank officers several times and always I have been told that the said draft has been misplaced and I was further assured that the matter would be taken care of and the said draft would be eventually located and credited in my account. But even after a long time, nothing positive has happened.

I would request you to look into the matter, since no action has been taken by the concerned officer to recover my abovementioned draft for a long period of more than two years and all I get from the bank officers are false assurances.

Please consider the matter urgent and take necessary action in the same.

Thanking You,

Bijay Kumar Shah.

HDFC Bank has taken an undated cheque for the sanctioned loan amout though I have availed only a part of it. I was asked to this just before the time of registration of the property and they have not issued a receipt yet.

Is it legally correct for HDFC to take undated cheques ? If legally correct, why is it that they are reluctant to provide a receipt?.

If legally incorrect, is there a tribunal where I can challenge bank's action?

This is in reference with my Lost Debit Card of HDFC Bank dated January 21, 2009,

I reported loss of Debit Card online dated January 23, 2009 as branch telephone was not answered on January 21 & January 22 and I was having branch phone nos. only,

There were several transactions on my debit card which was not authorized by me and I notify them to Bank by email dated January 23, 2009,

I received response from bank asking to fill Charge Dispute Form and submit to branch (Copy Attached) dated January 31, 2009,

There was no response from Bank regarding this matter so again I contact HDFC Customer Care dated February 25, 2009 asking for the action taken on my Charge Dispute Form,

On my surprise the Customer Care reply as below:

This is with reference to your query regarding Dispute.
We request you to revert with the following details in order to assist you better:

1. Date of submission
2. Exact Location of the branch where the application was submitted

Please provide us the complete address of branch. Please visit the below link for branch location:

http://www.hdfcbank.com/applications/locator/branch.asp

3. Mode through which the application was send (Courier/ Post)
4. Reference number or awb no if sent through courier

So I sent them attached copy of Charge Dispute Form submitted at HDFC Bank, Vejalpur Branch dated January 31, 2009 duly acknowledged by bank,

There was no action taken by HDFC Bank in this matter and after several contacts, they were in position to locate the Charge Dispute Form and Allotted the Reference No.: A33610429 Dated March 30, 2009,

On April 6, 2009 Branch Officer Mr. Biren Shah called me up and ask to submit several documents in response to my Charge Dispute and the list of required documents was delivered to me dated: April 9, 2009 (As below):


Subject: Transaction by use of Debit card reported by you to be lost / stolen

We regret to note that your Debit Card has been reported by you to be lost/ stolen/ not received or used . We understand that you intend to dispute subsequent transaction(s) done through the said Debit card.

Accordingly, we request you to provide us the following documents within 21 days of reporting the loss to take this case forward.

FIR (First Information Report) from the concerned Police department
Letter giving details of the event and transactions disputed
Indemnity Letter duly signed as per format and franked for Rs 200/-
Passport copies in case of international transaction disputes
Please note that any acknowledgement or letter in lieu of the FIR will not be accepted.

On submission of the aforesaid documents, we would provisionally credit your account for the disputed amount subject to “hold funds” on such credit.
We will then be investigating the case as per our procedure. Kindly note that you cannot utilize these funds unless the investigation is completed and the findings are in your favor. You are requested to take note of the same before carrying out transactions in the subject account.

All above documents were submitted to Branch dated April 29, 2009 (Acknowledge Copy of Documents is Available),

Again they asked for one more documents dated May 06, 2009 as per below mail (This was not specified in the list of documents provided dated April 9, 2009) :

Dear Mr. Gotecha,

We have already forwarded your request to concern department for early resolution. But concern department had raised following query.
'"If FIR is in any other language other than English/Hindi, a translated copy(Notarized) of the same to be provided".
So we request you to please provide the FIR copy in Hindi so we can proceed your request further.
________________________________________________________________________________...⇄

Biren M. Shah
(Sr. Manager)
PB Authorizer
Vejalpur Branch
Land Line: 40086463
Rim: [protected]

This copy was submitted to Branch dated May 11, 2009 (Acknowledge Copy of Document Available),

There was no communication from Bank after receiving above documents after 3 weeks neither my account is provisionally credited with the amount disputed in my account

Dear Sir,

I have HDFC BANK credit card and it was issued to me on Nov 07 where my company opened salary account at HDFC Bank due to Company Change. I missed 6800 remaining of Credit card Settlement payment in Mar 09 because of my sister's wedding but this month deposited my salary on 30th oct 2009 the same in HDFC Bank account but after i went to ATM for withdrawl some monety it was hold by Credit Card Department.i came to know that Bank has hold my total money Rs-29472 on 31st oct 2009 and I got notice letter on 07th Nov 2009 for Hold of Funds and same day, I called to officer but i am not getting any satisfy answer so kindly help how to go ahead and also help me how come the Bank can take this money from my account without informing me..

Attach Break Settlement Letter and Notice Letter

Regards,

Ankur Singhal
Nagpur
[protected]
HDFC Credit Card No.: [protected]
HDFC Bank A/c No.: [protected]

I have given the request to widraw 1000/Rs. from HDFC ATM (By using Kotak ATM card) on 6th Oct 09 time 7:42AM but ATM out put is 600/Rs. only. I have same shown to security gard available at ATM and also wright a note in complaint register as well as i have also launch a complaint to Kotak bank customer care(complaint no. I_[protected]. till now i have not receive 400/Rs. back and also Kotak people saying this is not our ATM we can't do any thing. please suggest what i need to do next.

Dear Sir,

I have taken a car loan from HDFC bank and my Loan account number is 15323376. My first EMI was deducted on the due date. The second EMI (through ECS) which was due on 05-Nov-09 was bounced and I was given the information that now I have to go to the SBI branch to get a new mandate form verified and then submit it to the Safdarjung, New Delhi branch of HDFC bank. The SBI branch is there in Varanasi (U.P.) and I am here in Ghaziabad. It is not possible for me to do all these. I had a word with customer care executive 3 times and every other time got a new information.

They are charging me 500 Rs for changing of payment option as ECS is not getting hit I have no other option but to change the payment option to PDC. I am ready to pay the EMI but still they are not happy with it they want more than that with no reason. The reason for bouncing of ECS also is not clearly mentioned.

Kindly look into the matter and inform me what to do next.

Regards
Tanu Tuli
[protected]

I lost my debit card and subsequently I applied for a new debit card in HDFC Sallake Sector - V Kolkata, branch on 4th of November 2009. I was told at that time that I'll get my new debit card within 7-8 working days. Today(13/11/2009) I was told by phone bankinging officer, the acting branch manager (Mr. Abir) that they can not tell when I am going get the card. It has beeen dispatched from chennai and it may take another 7 days to get that. When try to lodge a complain I was told by their representative Ms. aprajita that unless and until it is more then seven days from the date of dispatch they can not take any complaint.
The HDFC bank system is such a lousy system that they are taking almost 14 days to issue a fresh debit card.
In addition to that the sector - V branch is having problem in cheque clearance also they are never clear the cheque in time.

I WAS HOLDING A CREDIT CARD OF HDFC BANK WITH CARD NUMBER ENDING WITH 5333 .I SETTLED MY ACCOUNT AS THE BANK WAS DEMANDING RUPEES FIFTY FOUR THOUSAND BUT LATER THEY GET READY TO SETTLE IT IN TWENTY THOUSAND RUPEES (20,000) IN FULL AND FINAL SETTLEMENT IN TWO SHOTS OF RUPEES TEN THOUSAND EACH(10000/).A LETTER DATED 20/07/09 WAS GIVEN TO ME AND WITH RECEIPT NUMBER:4697120 AND 4772907 WITH DATED 28/07/09 AND 28/08/09.NOW THE BANK SEND ME AGAIN A NOTICE THAT YOU HAVE TO PAY 37000/ RUPEES MORE OR YOU CAN SETTLE IT ONCE AGAIN AND THEY ALSO TOLD ME THAT THE LETTER BECOMES INVALID AS YOU HAVE GIVEN YHE PAYMENT IN TWO SHOTS.

I AM VERY FED-UP FROM THE BANK PERSON WHO KEEP ON TORCH ER ME AND MY FAMILY BY CALLING ,MISBEHAVING AND BY SENDING NOTICE.


I AM NOT IN THE POSITION TO GIVE A SINGLE PYE TO BANK .SO KINDLY HELP ME FOR THE SAME.RGDS ANURAG [protected].

Hi This is Dipty Patel, i swap HDFC credit card on 5th January 09 & then after 2 days i received call from hdfc to make payment of 200 for card swap fees, i paid that, then 12th feb i made 490 payment, * then made 5000 cash payment but shows only 690 payment i have been payed, while talking to HDFC executive they were very rude,,,,

finely after 2 & half month i come to know the status of 5000, by mistake they have transfer to my account only..
till now i have not received any statement from hdfc for credut card,


from last 4 months they are just telling m,e "aap abhi 500 rs pay kar dijiye with in 10 days we will send you full & final statement, but till now i have not received any mail.or courier from ther , then too i trust them & making my payment every month after hdfc call, now they are asking me to pay 10000
more.

Please help me out for this....

In February 2009 I had an outstanding money of Rs. 46867/- in my HDFC credit card. Tired of the horrible response of their customer care, I broke my card and sent it to them along with a cheque for Rs. 44000/-. I was told by their Executives that I am eligible for late fee waiver and so I had deduced Rs. 2687/- and paid the remaining amount. I wrote a detailed letter also to them. Till date there is no response from them for the letter. In July suddenly their Executives started calling me that I have an outstanding amount of Rs. 10000/- on my card. I was shocked!!! They had charged me interest all these months and now it has risen to Rs. 12000/-. I wrote a letter to them in February 2009 and they don't have the courtesy to respond for it. And without resolving the problem then itself how come the bank continue charging Interest in it. The bank has an obligation to listen to its customer's compliants and HDFC bank has not done this. Now they are BLACKMAILING me that they would not give ROC for my car loan (again from HDFC) unless I pay this outstanding amount. Is there any one who can help me out on this?? I definitely want to fight this day-light robbery done by HDFC.

Name: Mrs. Ranju Chopra
Fiat Punto Multijet Emotion pack

Shame on HDFC auto loan dept. NEVER GO TO THEM
Hi friends I want to share with all of you the harassment I went through and still going through by HDFC bank auto loan dept, so that in future people planning to take a loan from them stay alert. I applied for car loan at HDFC as my previous dealing with them was very very smooth. But this time I was in for a toss.
I applied for a loan of four lacs in name of my mother by depositing following documents of my mother at 10%pa reducing with horrendous pf of 3400. Just because I was in hurry and thought they would process my loan at the earliest seeing my previous track record.
1. Passport
2. Pan card
3. Six month bank statement.
4. ITR for two years with balance sheet.
5. House tax receipt.
6. Water bill receipt.
7. RC of my old car financed through HDFC, though on my company's name.
8. Post paid bill.
People involved
Rama:- Tele caller who called me and gave me false hopes this Saturday.
Bijendra The field assistant who has been following up though a nice guy but very lazy, and lack of interest in work or has too much to handle. Is trained to take from customer, just keeps taking with no change on his end.
Vijendra The Team leader for these fools, has audacity of asking me for DST charges, never picks up phone and when he does he acts ultra-busy all the time and asks me to call him back as if am one of his employees.
J.S. Ahuja: Biggest hooligan of them all has no manners to talk to his juniors of his clients, lacks all the knowledge, Don’t know who made him relationship manager. Though he thinks he is President of HDFC LTD.
I applied for loan on my mother’s name, my father does online advertising through google on her name, and thus we get cheques directly from google USA on her name.
For over a week they didn’t do anything about my loan because according to them documents were incomplete.
After first four days they started asking for company’s proof, when we don’t need any company to run this advertising business and we applied for loan on her name not on any company’s which I had made clear on first day itself.
Next three days they kept asking me for contract, I called the guy Bijendra (sales exec for autoloan) at my house and gave him all the copies of google adsense setup with monthly payments.
But that wasn’t enough now these people starting asking for TDS certificates, It took them three more days to understand how can they ask for TDS when all our cheques come from USA. Mr J.S AHUJA doesn’t understand anything about TDS for him TDS certificate and Direct tax are the same thing. After these 10 days I had lost my cool and started threatening them of closing my loan file but one Mr. Bijendra who is handling my case kept on consoling me of early action. On this occasion of TDS topic he made me talk to this J.S Ahuja, who was first as rude as he can be with Bijendra talked to him like his servant and also told him. “I don’t have time to talk to such people, such people don’t understand anything and not to waste his time. When he clearly knew I was on line and Bijendra kept telling him that customer is online. When he spoke to me, just for the sake of early processing even now I kept my cool and explained to this stupid guy difference between TDS and Direct tax certificate. He spoke in a very cold tone as if I was a beggar asking for money from him though in reality it should have been the opposite.
Anyway after these 10 days I again sent Direct tax certificate for two years, In hope of loan being approved as soon as possible, though it wasn’t necessary when I had already submitted Stamped ITR from Govt. of India.
At 12th day Thursday my loan was approved and I got a message from HDFC. Bijendra came to my house same night that is last thrusday to get all the document signed. I was very frustrated but still had a sign of hope, but my saga still hadn’t had to come to an end, he asked for eight cheque leaf’s when we only had six. He hadn’t informed in advance as to how many cheque leaf’s are required, and I didn’t know that because we opted for ECS and thought only one or two must be needed if any. Dead irritated from HDFC and this guy and his boss I gave him another bank’s cheque’s my account where is just a month old, along with statement for one month which I had in my folder by chance. He also tried to act smart and get me sign PF for 3900 when it was 3400. Anyway he assured me that my case is what he will do first thing in the morning.
Friday till 4 this guys wasn’t at office and was traveling all over the town. He kept asking me to call different people from HDFC about my loan, which I kept doing to just get a cold reply. At 6 he tells me these cheques wont work they need cheque from the same account whose statement I had attached with original documents. I asked him push these cheques only as I was as it is going to close the other account soon. He said he’ll try. He also was too careless in receiving the Fax for insurance cover note and receipt for advance from Rama motors. Day passed.
Saturday this guy (Bijendra) was on a leave and he asked another of his friend Rama to follow up with me on his behalf. Meanwhile I had messaged bijendra if I don’t get delivery on Monday our deal is off. My sales exec at Fiat kept on trying faxing Insurance cover note and receipt but their faxes (HDFC) were always busy. Rama also didn’t reply to my calls till afternoon 2oclock, when she finally said she’s in a meeting with her boss sorting my case only. And she will call back. She called me back at 4 told me my file has been pushed, and I’ll get the Delivery on Monday on behalf of some D.O (Delivery order) Which I had previously asked at Fiat Rama motors they refused to give the car on basis of D.O. She assured me that their manager will talk at Rama motors and get the car delivered. Meanwhile my sales exec at Fiat also told me that documents have been faxed. Day ends.
Sunday HDFC is off, I went to do PDI of my car which Fiat punto multijet at rama motors okhla it had arrived on Tuesday only. I tried to force them for a delivery on basis of D.O. on Monday which they failed to reply me back, I gave them DD for the balance amount and leave.
Monday(Today) 9.11.09, all excited when my loan will disburse today or tomorrow nearly after two weeks of application and harresment, I called Bijendra to my horror all he has to tell me is that my cheques from the new bank wont work which he told me on friday itself. I’ll have to arrange cheques from other bank itself. I was shocked, surprised, felt cheated again. And to my surprise he still hadn’t received cover note and receipt, I told him that Fiat sent it I heard the fax tone, He said he’ll look for it. I asked him why Rama had assured me, he said he’ll get back. Again no calls from him. I call him again in afternoon but he again tells that these cheques wont work. I slogged from my office to my bank to get a new cheque book waited for one hour to take the cheque book. Now my tone of talking to him had changed but nothing used to bother him no matter how rude I was he stayed unaffected. After getting the cheque book I asked him to tell me one final date after talking to his boss and then only I’ll give the cheques. He said he’ll talk to his manager; he gives me a call at 7 and tells me that his manager has refused to give loan to Rama motors because of some previous altercation with them. I was shocked I shouted at him whats wrong with his F. manager. Bijendra pretended to be on my side and assured me that he will get this done anyhow now its about his honour and what not bullsh.. I asked him to ask his manager to give me in written from HDFC bank that they are refusing a loan to rama motors he assured me he’ll get everything started tomorrow morning after I sent the two cheques there. He still hadn’t checked cover not and receipt as he was out.
He is saying that they will get DO issued tomorrow and that I fight with Rama motors to give delivery on basis of DO, he still hasn’t clarified when will the loan be disbursed it has been two weeks now I have been following up but to no avail. Shame on you “HDFC auto loan dept.” May you rust in hell.
In all this while SBI at 8% and 9% for two year, BOI at 8.5% would have approved my loan.
Axis had also quoted me 9.75% and PF of just Rs1500 also time of 3 days. But I was a fool to still choose HDFC now am stuck with them because I have been constantly made to believe that its just two more days, when in reality two weeks have passed don’t know what to do with them.

Latest Update Today (10.11.09)
Tuesday, Now I have sent them complete cheques, my file has been sent for processing but completion is still stuck because the TL ‘Vijendra’ is asking from me some DST charge of Rs.2000/- which Rama motors don’t give them hence shamelessly to my utter horror he asked me to change the dealership, or I give them that money. Bunch of loosers. I told him clearly that I won’t give a penny more. To which he has to reply now.
7:00PM Just had a word with Vijendra the Team leader. He told me bluntly someone has to pay that money be it Rama motors or me, this is nothing but harassment. I asked him to close my loan and give me in written that they don’t give loan to Rama Motors and for the same am closing my file to which he replied “Rama walo ne accha sikhaya hai aapko.” I know how I held my cool then. Except Bijendra none of the people at HDFC car loan know or have manners to respect customers very shameful. He has asked me to call tomorrow at 11:00 Am. Am I a buyer or a seller here?
Anyway have applied at Axis aswell now as I have very less faith in them but my dealership says now there’s nothing they can do since my file has been sent with cheques for processing, they are just trying there luck but I don’t believe anyone now.