[Resolved] HDFC Bank — Account Hold
My name is Geeta payal and I had a credit card([protected]) with HDFC which was offered to me because I had savings account opened up in HDFC bank and at that time I had no job and I told that the agency that I won’t have the need for it but they made the credit card and sent it to me.
I used the card and was making the payments regularly but because of family trouble and financial problems I could not make the payment.
I got the job with Hewitt and took loan for which there is an EMI being deducted from my account every month for close to 7000 rs and I got in touch with Mr. Harmeet Singh the collection agent from HDFC bank and his phone no is [protected] regarding the settlement of the account and I agreed for it and I told him I would not be able to make the payment in one go rather I will be able to make the payment in installment even after that he got the letter for one shot payment of 22000 Rs , I did tell him and the banker that this is not possible , they said pay us now 12,000 and rest pay it soon.
My monthly expenditure from my salary is as follows.
Monthly rent-6000 Rs
Duetsh Bank loan EMI-7000Rs
Rest for food and other expenditure are 4000 Rs.
I am only left with 3000 to 4000 rs a month and I was making payments every month to Mr. Harmeet as per my understanding and what they told me and that details you must have in the system.
I get a notice on Thursday that My salary account has been held for the nonpayment on the credit card which is incorrect, I understand that the bank has right to hold the funds due to nonpayment but I being a responsible person called every month Mr. Harmeet Singh and paid the installments as per my situation and told him that will try to make more payment in the month of December as I will get some funds.
If I had no intentions of making the payments then the bank should take some actions but when I am making the payments then why should I suffer something like this.
My credit card Limit was 30,000 Rs and I will surely make the payments.
I will really appreciate that please release the hold from my salary account and allow me some time so that I will make the payments as I had been doing the same for the last few months.
I have to support myself and take care of my day today expenses and by doing this to me I am being harassed and further more I was not aware of the fact that the settlement is not valid which was a wrong information given to me by the HDFC collection agent. This is a humble request
Thanks and regards.
Complaint marked as Resolved Aug 14, 2020