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[Resolved]  HDFC Bank — LOAN A/C NO. 90357310

NOC for Loan No.90357310
Sub:- Wanted NOC for re-payment of Loan against Loan A/c No.[protected] Final settlement),Customer Id No.90314797
Sir,
I had emailed my complain to racreceipts @hdfcbank.com. In response, they wanted to confirm my Loan A/C no. and which I re-confirmed through email. But my problem of receiving NOC has not yet solved. On 05/08/09, a phone call was made to me by HDFC, DALHOUSIE BRANCH, KOLKATA ([protected]) and pressuring me to deposit the over due amount . I had asked, why they are asking for money ? In reply, they emailed me the statement. But verifying the statement, I have found some anomalies / facts which are as follows :-
1. They shown in the statement that 02 installments were bounced on 03/08/2007. I wanted to know on what grounds two installments were bounced. They failed to answer my question.
2. Statement shows two installments were bounced on 03/08/2007 but installment end date was 05/07/2007 (as per statement), here lies the question, if installments were bounced – why communication was not made immediately?
3. What are they doing for last 2 years? Is they are waiting for huge amount of over due charges ?
4. They shown ( in list of PDC’s bounced) that 02 cheques were bounced on State Bank Of India, Suri Branch (West Bengal) . I have communicated the bounce message to the Bank authority and I found there were no reason for bouncing cheques on my Savings Bank A/c bearing No.[protected]. I thought the cheques were not produced for payment in due time ,if it were bounced.
5. Earlier on 30/12/08, when I came to know through your agent named Hiranmoy Chatterje ( Mobile No-[protected]/[protected]) of S.K.Associates, Suri, Birbhum), I have repaid 2 installments Rs. (1575/- x 2=) Rs.3150/- in cash to your agent vide Receipt No. 13929727 dated 31/12/08 without delay believing NOC will be sent to me within 15 days (i.e.15/01/2009)as he promised .The Money receipt clearly indicates that, the amount Rs. 3150/- is taken for settlement. So there is no negligence from my end.
6. It is worth mentioning that, statement clearly shows – payment received against Cheque no. 00240295 and[protected]Installment no. 17 & 18) on 05/06/2007 & 05/07/07 respectively. On the contrary, the same two cheques were bounced once again on 03/08/2007- how did it happen?
It is a simple theory, if a person loaned Rs.26000/- and deposited Rs.24000/-there should be no problem to submit the rest amount and save his property amounting of Rs.50,000/-.
According to the statement (send by HDFC Bank) , my 18 cheques were already encashed and no installment can be due, so there should be no problem to send my NOC from your end. It is also stated that , refund Rs.3150/-which I deposited on 31/12/2008 is lying with you as an excess amount (according to the HDFC Bank statement).
In the mean time , HDFC , Kolkata Branch communicated me through telephone and said me to deposit an amount of Rs.897.94. on 02/11/09 and send a legal notice (CHAKRAVORTY & CO.)and instructed me to paid Rs.2271.84 within 05 days of the receipt of this letter.
Sorry to mention but compelled to say that behaviour of employee or collecting agent of HDFC Bank is very poor. They even not thinking twice to use abusing language. I am an West Bengal Govt. Employee . Being a respectable person I am really felt harrassed , deprived and insulted for such irritating behaviour of HDFC Bank and their staff.
Hope your good will, will help me to receive my long waited NOC as well as my excess amount at the earliest from your end. In this regard your response is expected within 09/11/2009,Otherwise I will compell to take other procedure as law permits.
(* IT IS WORTH MENTIONING THAT I HAD FINANCED FROM CENTURIAN BANK, DURGAPUR BRANCH, WEST BENGAL)


Yours faithfully,
SANJOY PAUL
(Loan A/c No.[protected]
Subhas Pally,
Near Hanuman Temple,
Post-Suri, Dist- Birbhum, Pin 731101.
Mobile No. [protected]
Email ID:[protected]@rediffmail.com
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Aug 14, 2020
Complaint marked as Resolved 
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HDFC Bank — Wanted NOC for re-payment of Loan against Loan A/c No.90357310 (Customer Id No.90314797)

Sir,
I had emailed my complain earlier on 06/11/09 (through email) .But no response from your end till today. So I am reminding my problem once again and requested you to look into the matter. But my problem of receiving NOC has not yet solved. On 05/08/09, a phone call was made to me by HDFC, DALHOUSIE BRANCH, KOLKATA ([protected]) and pressuring me to deposit the over due amount . I had asked, why they are asking for money ? In reply, they emailed me the statement. But verifying the statement, I have found some anomalies / facts which are as follows :-
1. They shown in the statement that 02 installments were bounced on 03/08/2007. I wanted to know on what grounds two installments were bounced. They failed to answer my question.
2. Statement shows two installments were bounced on 03/08/2007 but installment end date was 05/07/2007 (as per statement), here lies the question, if installments were bounced – why communication was not made immediately?
3. What are they doing for last 2 years? Is they are waiting for huge amount of over due charges ?
4. They shown ( in list of PDC’s bounced) that 02 cheques were bounced on State Bank Of India, Suri Branch (West Bengal) . I have communicated the bounce message to the Bank authority and I found there were no reason for bouncing cheques on my Savings Bank A/c bearing No.[protected]. I thought the cheques were not produced for payment in due time ,if it were bounced.
5. Earlier on 30/12/08, when I came to know through your agent named Hiranmoy Chatterje ( Mobile No-[protected]/[protected]) of S.K.Associates, Suri, Birbhum), I have repaid 2 installments Rs. (1575/- x 2=) Rs.3150/- in cash to your agent vide Receipt No. 13929727 dated 31/12/08 without delay believing NOC will be sent to me within 15 days (i.e.15/01/2009)as he promised .The Money receipt clearly indicates that, the amount Rs. 3150/- is taken for settlement. So there is no negligence from my end.
6. It is worth mentioning that, statement clearly shows – payment received against Cheque no. 00240295 and[protected]Installment no. 17 & 18) on 05/06/2007 & 05/07/07 respectively. On the contrary, the same two cheques were bounced once again on 03/08/2007- how did it happen?
It is a simple theory, if a person loaned Rs.26000/- and deposited Rs.24000/-there should be no problem to submit the rest amount and save his property amounting of Rs.50,000/-.
According to the statement (send by HDFC Bank) , my 18 cheques were already encashed and no installment can be due, so there should be no problem to send my NOC from your end. It is also stated that , refund Rs.3150/-which I deposited on 31/12/2008 is lying with you as excess amount.
Hope your good will, help me to receive my long waited NOC as well as my excess amount at the earliest from your end.
Yours faithfully,
sd/-
SANJOY PAUL
Loan A/c No.90357310
[protected]( mobile no.)
I have purchase a Santro XL Car from Rama Motors Pvt. Ltd.A-2/12, Safdarjung Enclave New Delhi. M/s Rama Motors received a sum of Rs.10, 000/- (rupees ten thousand only) from me (HDFC) (MM) vide cheque No.625263 dated 29.12.2005 drawn on SBI for Santro XL QO HP to HDFC Bank Ltd. I have draw a loan of Rs.3, 00, 000/- (rupees three lacs only) from HDFC Bank for purchase the above said Car to be repayment in 60 instalments including the above said payment of Rs. 10, 000/- which has been received by M/s Rama Motors. My loan account Number is 10072663 and my EMI amount is Rs.6321/- per month (rupees six thousand three hundred and twenty one only per month). My loan EMI are going regularly but I am sorry to say that the bank has never tell me the status of my loan repayment. Since I have drawn the loan in the month of December 2005 to be repayment in 60 instalments and I am regularly repaying my EMI of Rs.6321/- per month. It is clear from the above that my loan amount has already been completed in the month of November 2010 whereas the bank has withdrawn an excess amount of Rs.6321/- from my account towards an additional EMI. It is requested that my drawn by the bank during the month of December 2010 may please be returned. In addition to above, it is also requested that No Due Certificate may also be issued to me to be deposited to the Transport Authority for further necessary action.

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