This is in regards to the above mentioned card number which belongs to Jyotsna Doshi (my mother).
We were offered a settlement on the mentioned card number for the outstanding amount. The settlement amount was INR 1,25,000.00.
The same was offered by Mr. Amit Joshi of HDFC Credit Card collection department. He is based at the Kanjurg Marg office.
The settlement letter stated that the card holder must pay the outstanding amount in 5 installments. We completed the settlement amount in 8 installments.
The main issue is that we were aware that we have to pay in 5 installments, and when we crossed the 5 installments, Mr. Amit Joshi urged us to continue paying and assured that he shall make sure that everything will go against the above mentioned settlement amount. Due to which we did not request for a new settlement. Now, when the above mentioned amount has been paid in 8 installments, Mr. Ritesh & Mr. Nikhil Udas of HDFC credit card collection department (Wilson House, Andheri (E)) , called us on the phone and asked us to make payment for the outstanding amount. This came to our shock, where in Mr. Amit Joshi collected INR 1,25,000.00 in 8 installments and told us that our account is settled.
We also met Mr. Nikhil Udas at Wilson House (Andheri E), informed him about the whole scenario & conveyed our concern on this issue. We do agree that we paid the settlement amount in 8 installments instead of 5 installments. Although, if Mr. Amit Joshi had informed us of such an outcome, then we would have requested for a new settlement. Eventually, you would agree that our intention of settling the outstanding was evident by the payment of INR 1,25,000.00. Also note that Mr. Amit Joshi does not answer my phone calls, obviously meaning that he understands his fault in this issue.
Also please note that since the time this issue rose Mr. Amit Joshi has been rejected our phone calls.
I kindly request you to look into this matter at your earliest and close this case.
regards,
Vikram Doshi
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Sub: Complaint Against HDFC Bank Credit Card Division
Reference : HDFC CREDIT CARD NO: [protected].
Dear Sir,
I regret to inform you and for your kind notice that I was holding and HDFC Bank Credit Card vide no: [protected]. In that card, my credit limit was Rs.2, 38, 000/- and after that Bank has revised and reduced the Credit Limit from Rs.2, 38, 000/- to Rs.1, 77, 000/-. I have used my Credit Limit and I have already paid Rs.2, 77, 371/- against my Card as per their statement dated 17.03.2010. I had no outstanding against my Card. Only some Interest Charges were Lying in my Card.
On that basis, I have requested to Bank to settle and convert my some Interest dues amount sympathetically in to fresh simple EMI after reversing all the Late fees, Extra Interest Charges and the unnecessary fees charged by the Bank Intentionally. Due to my tremendous financial problem, I was not in position to submit my children’s school fees and house rent also which already I had discussed this matter frequently to their customer care executive over phone & at least 14 to 15th times and sent 14th to 15th frequent reminder letters also.
If you see the Receipts & Payments A/c of my Card, from beginning to end then you can easily observe that, I have made already over and excess payment against my used amount through card. If you see my accounts I have already paid the excess amount which the money I have used through Card. If the bank waive my unjustified Interest and Late fees, then nothing outstanding will be pending against my card. Which amount I have used against my Credit Card, Out of that, I have made excess payment against my used amount.
Being a preferred customer for long time, I have changed my address, phone no etc honestly. As a result of which, their Recovery agency/goons have started to hassle me mentally and also my wife, not only that, they also used abusive and very rough language over phone and came to my office and insulted me in the front of everybody with very abusive and slang language and told me to make the payment immediately, otherwise they will attack me and my family with their team and told me that, they will thrash me in the front of my society and also told me that they will abolish me from my job. I am a very simple Private Company’s employee and simple middle class family. That incident happened for last 5 to 6 months. After completion of their mental and physical harassments, HDFC Bank has sent the Legal court notice to my address. I am a very simple and middle class family member and a very simple employee of a private company. Bank continuously pressurized me to take the credit card.
Trying to claim huge amount intentionally from customer, that is the practice of HDFC bank .Please tell me, Is it a Reputed Bank ???
My Credit Limit was Rs.1, 77, 000/- and I have paid Rs.2, 77, 371/-. If my intention was bad then, why I will make the payment for Rs.2, 77, 371/-. Their Intention is how to raise the Interest amount and late fees unnecessary and pressurize to customer mentally. Trying to claim huge amount intentionally from customer, that is the practice of HDFC bank . Is it a Reputed Bank ???
Due the tremendous mental harassment to me and my family, My wife is not well and she also feels very insecurity. Please help me and my family from HDFC Bank’s Credit Card nuisance.
Thanks with Regards,
Manas Ray Chaudhury
Bhopal.
NB: Threatening Calls came from Phone no:[protected]. Mr. Manjit, Mr. Hitesh, and one Lady (Not told her name)
[protected]Mr. Sunil, Mr. Dubey [protected])