[Resolved]  HDFC Bank — settlement

I MD ALAUDDIN WAS AN EMPLOYEE OF HDFC BANK AT RASH BEHARI AVENUE BRANCH AT KOLKATA AS A LIABILITY COEX, I WAS RESIGNED ON 9/1/10 .TODAY IS 14/4/10 YET I DIDN'T GET MY FULL AND FINAL SETTLEMENT LETTER.SUGGEST ME WHAT SHOULD I DO?

EMP CODE:69932
BR CODE: 0530
B.M. :SANJEEV MUKHERJEE

Dear Mr Alauddin,
We request you to write to [protected]@hdfcbank.com, with the details of your complaint, as well as your employee id, as they would best be able to resolve all salary related queries. We also request you to direct all future queries to this email id.

Regards, Customer Assistance, HDFC Bank

i made settlement with HDFC CREDIT CARD BANK and paid all amount however not according to letter but their executives said this part payments are also settling your amount and after last payment they said you will get NOC letter and statement with 0 balance but after some days banks executive threating me and every time knocked my home and my family disturb. HDFC BANK executive contact no.[protected] Mr. Ravi dubey and other executive HDFC Bank Preeti contact me and two time take money but they are not give me NOC letter. They didnot even tried to contact me and sent a letter to my permanent address whichin turn has disturbed our relation with everybody please look into matter. HDFC CREDIT CARD WITH ALSO MY HDFC Current Account no.[protected] also blocked that bank. Please co-operate with me.
MR. NIKESH KUMAR
CREDIT CARD NO. [protected]

ICICI — Non issue of credit card and to pay outstanding amount to a policy which I never have approved of

This is regarding an issue related to an outstanding payment due on a credit card which I don’t hold. To begin with – I had a personal loan account with ICICI, repayment which was effective from Feb’07 thr’ Mar’09. If there was my request application for a free credit card, please confirm with a copy of the same.
Would really appreciate if the below mentioned concerns were addressed:
1. Firstly, could you please show me a copy where I had requested for a credit card from your bank?
2. Assuming you had dispatched the credit card to my said address, could you please provide me an acknowledgement copy/consignment number showing I had received it?
3. Could you please provide the ECS/EMI debit approval details to an ICICI Lombard policy <which I still did not approve of> from the credit account you believe I hold? If yes, could you please furnish those supporting documents?

This is a job that’s had so many twists, turns, delays, and sidesteps that we could have used a full-time researcher just to track who said what and when! It’s confusing, but we need all the records to review.

Sincerely,
Hariharan Srikanth M

My Details:
Hariharan Srikanth M
Mob: 91-[protected]
Above said Credit card detail: [protected]
Outstanding Amt: 39, 082
Policy Amt: 29, 796
Policy: ICICI Lombard:4034/CHT/04163608/00/000
Policy Start date: 15 Nov 2008 Policy End Date: 14 Nov 2010

Dear Hariharan,

We are sorry to hear about your problem. Please write to us with your contact details at [protected]@icicibank.com so that we can get in touch with you in order to address your concern. Please refer "505903" in the subject line.

Regards,
ICICI Bank Customer Service Team.

HI Hold a HDFC Credit card, the due on this card is 75K and we got the settlement for 40K in 4 installments, First one was a cash payment, second was a cheque got cleared, third cheque got bounced and their agent came and collected half the amt and said that we can pay that along the fourth installment, and the fourth installment got bounced and when i contacted to pay the 2 installments amt they say its invalid and they can not do the resettlement, and are asking me to pay the whole amt, I have been paying the min amount last 4 months, Can some one suggest me a solution.

my credit card no.is [protected] as per your statement my due is only Rs900.00 in this regard bearing cheque no. 274855 dated[protected] Rs 900.00 issued icici bank cheque tirupati branch. the same was put into your tirupati's branch in drop box till date not debited in my account.in this connection dont debit any late payment charges .it is lapse for your end.kindly respond to this matter urgent.

HDFC Credit Card — Requesting for Payments for already settled Card

A Letter from me has been submitted in Adyar ATM in April 2005 to Close my HDFC Credit Card
([protected] , Name : Charanya Balasubramanian) and ADD -ON Card (Named P.PASALI). Along with that
Letter two ICICI Checks bearing # 702912 , 702913 (each for Rs 10,000) has been enclosed for total payments
20,000 RS and final settlements.
Even though there has been no reponse from your end , both the checks mentioned was debited to my account on
22-Apr-2005 (Proof Enclosed along with this email).
I personally have called the customer service on 19th of April 2005 to get the Latest outstanding due and the final
setlement check was dropped on the basis of the same.
I have made multiple follow up for the same .The Letter furnished for the close had contact details and address for
intimation to send the NOC certificate, but still I received zero responses from your end.
Communications / Call received from HDFC Bank
• I Received a first communication call from your end in this regards (between May 2005 and August 2005
,sure about the exact date ) for due of amount 2000 Rs, A response was sent from my side though an
Internationl call and email detailing the payment details and the card closure details along with the Bank
statement and Bank Proof. I had a verbal acceptance from your credit card agent through telephone. <NO
RESPONSES RECEIVED FROM BANK BACK AFTER MY RESPONSE TO THE FIRST CALL>
• Secondly in Jan 2007 , I have received a email from Krishna Walia for the same due , I responded the same
with a detailed email and call along with the proof of payments and requested for the closure of same as well
as physical statement of the card (Please find the attached emails fro references). <NO RESPONSES
RECEIVED FROM WALIA /BANK BACK AFTER MY RESPONSE TO THE SECOND CALL>
• On checking my CIBIL report in Feb 2010 , I was informed a due of amount 4000 Rs is appearingin MY
HDFC CREDIT CARD. I visited the LOCAL HDFC Bank and submitted all the Letters and email copy for the
payments made and follows up made.< I WAS INFORMED ,A CALL BACK WILL ARRANGED FOR THE
SAME>
• Third call was received some where in May 2010 requesting for the payment of Rs 30 ,000 Rs. I
Responded back and contacted Mr. Vasanath , and forwarding all the emails and Letters to UDAY
SHANKAR and requested for a physical copy of card statement and charges details
• On June 19th , I have received a notice from BANK , requesting to settle the amount of Rs 10,600 . After
making multiple follow ups , I receieved a call in June 2010 and Last week stating for the payment of Rs
40,000 for the final settlement.
• LAST WEEK , again I visted Thane HDFC Bank and dropped the complain letters and requested for the
Copy of the Credit Card Statemet .< I WAS INFORMED ,A CALL BACK WILL ARRANGED FOR THE
SAME>.
Till now, I have neither received any physical statements or detailed call acknowledging my emails or follows up
made. All I receive from your side is about the settlement amount which varies indefinitely in ranges.
.
I request you to kindly look your logs and verify my all emails sent to u,
I have attached the Bank Statement. Which was the last transaction payment made towards my card for final
settlement? No Card Transaction was made after that as i have destroyed the card. Both the card has been
destroyed in Apr 2005.
It was a surprise to receive a call after 3 or 4 years regarding the non-payment / clearance of liability. It was paining to
note for having received remainder from you for the account which has been already settled by me long time. To
avoid recurrence of such remainder at least in future I would like to take off the matter with customer care center and
there contact # / email address . I seek for health for getting the number /email address .
I have requested multiple times for the physical statement to my communication address , never I received a physical
copy or an email copy. I do see different figures of settlement amount each time when I receive the call.

Please note I have attached all the
copies of the emails and follow ups made

I have got a phone call from delhi aperson called and said i m calling from delhi court ur file regarding ur credit card dues which is Rs21000 (while the principal was 3000,and i paid amount Rs500 for about 20 months) i m going to issue warrant please call upon Ms Ria Banerjee to settle ur account and inform me, I called Ms Ria and she told me to deposit Rs 6000 to settle my account I deposited it to the same date and inform her she assured me of providing letter of settlement and noc within 2 days but yet after 22 days I haven't get ANY PAPER and when I call her again She didn't pick up the phone I call to customer care at chandigarh they said their is no information regarding ur solution.I m shocked and feeling very much cheated.
Anis

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Hello Sir,

My self Prakash . S. am using ur card since from 3 Years, 2 months back i sent mail to Hdfc regarding redusing the amount (19200), after this I got cal from HDFC customer care to pay the money in 6 installments i.e 14325/-(after deducting late Fees etc) nd month of august i paid 1000/- but recently i got cal from customer care executive (Richmond circle Brandch B'lore) outstanding amount is 21200/- really i feel very bad of this, so pls send a mail to my mail ID how much have to pay and pls reduce the amount i coluld not able to pay this much amount and it should not go for black list. this is my humble request (i decided to pay the amount in single shot within October 2nd) kinldy do the needful ASAP. The details are furnished below.

card no: [protected]
mobile No: [protected]
Mail Id: [protected]@yahoo.co.in

I am kasoji.Balamani credit card holder of HDFC bank since 1yr, my account no is[protected]..I have already payed the amount of 47000 by cash on[protected] and 25000 by check[protected], before the due date but you have recieved my check after the due date on[protected] because of ramzan festival.so, kindly requesting u to rewise the finance charges.


THANK YOU,
Regards
K.BALAMANI

Hi,

I booked the dell labtop through online using hdfc credit card([protected])
due to some reasons transaction is Failed but amount is detectd from my account.
Transaction Details:-
Transaction Date and Time:[protected]:50:06
transaction amount:-43850
Txn Id's:[protected] and 11328032
atom transaction id's:-743496 and 743490
Credit card number:-[protected]
Credit card holder name:Prasad Gopathi.
Reason:-Drop Transaction

Could you please check the my transaction and credit the amount to my card as soon as possible.


Thanks & Regards,
Prasad Gopathi.
91-[protected]

Hi

I have complain about HDFC CARD NO [protected]
The hdfc card company block my Oracle salary ac without any reason while I have already make the minimum payment.
My hdfc salary ac no [protected] bangalore

Regards,
Rana

I am sending mail to your mail-id customerservice.[protected]@hdfcbank.com
But till the date i have not recd any reply .credit card no.[protected]
Taking credit card of Rs:10, 000/ But I have used only 8, 000/-
Now hdfc credit card claim on me of Rs:22, 000/- which is impossible to me .
I had also meet & attend the phone of executive (hdfc credit card) but your executive Mr. Pravin cell no.[protected] sending native report to bank that these customer is not attend the phone and not agree to pay the amt. my salary ac is hold by bank .(i had agree for settlement with installment or one time but your executive is not cop-oration for that ) so i request to you give me accurate amt for settlement because my salary is hold by you and my family is depend only on me my salary .


Samiksha mirajkar
[protected]@rediffmail.com
[protected]

Everybody does not realize the problems. The moment some gets a credit card how many people know how to use the Credit Period given by the bank successfully.
A first time card holder is very happy to use people's money, but does not forget that he has to pay the money at some point of time. I started ny credit card with a credit of 25, 000/= but today my credit 450000. Yeah I know it is tempting. The reason the bank is increasing my credit limit is just to tempt me to make further purchases using this money and fall in the debt trap.
People who are using credit cards are given a credit free period of 50 days. If planned correctly, you can rotate the money for 50 days and also make your credit card payment.

PLAN YOUR PAYMENT / USING YOUR CARD

1) Lets take your bill date is on 5th January, then your billing cycle will be from 5th Dec - 4th January. Any smart buyer will make a purchase on the 6th Jan. This way ... your bill is generated on the 5th of February and you are given time till Feb 20th to make the payment.

2) What ever is the credit limit given by the bank always make sure you have to spend only 1/4 of the limit and a max of 1/2 of the limit(only when there are additional expenses)

3) The bank gives you a min amt to pay, but that is even more tempting. Dont fall in the min amt due. Lets take you have a bill of 20, 000, min amt due will be 5% of this. Rs1000 . But lets take you can pay upto 12000, then make the 12000 payment. In this case the interest is levied only on the Rs 8000 and not on 20, 000 which will happen if you paid only Rs 1000/=.

4) Marketing guys who fill your forms, talk sweet, get your photos printed have multiple brothers and sisters and girlfriends in all the banks, so one detail which is submitted gets shared by multiple people

5) Bank knows to cheat you well. That is why earlier they were using Photo ID cards. But they realized that by using these cards, it will be difficult to make money and merchants cannot be cheated. So they abolished the scheme.

To summarise it all, I dont say that only HDFC is bad, all the banks have a similar cycle to follow. Be it HDFC, ICICI, Citibank and even HSBC ... Dont trust anyone esp the sweet talker.

When someone is asking you for your information, makes sense to understand, which branch does he work for, who is his supervisor, what is his contact number, what is the sup contact number. Call each one of them and understand the Product Features.

If you default and someone is threating you, you have a right o approach a banking ombudsperson. The Supreme court has laid a new role that no collection agent can visit your house before 8 am and after 7 pm. If you notice this, kindly take a note and report it to the Banking Ombudsman.

Thanks
Arun

Dear Customer Care,


My name is Suraj Kumar Gupta and my HDFC card number is :- [protected]. I was not used my card approx 3 years due to my card was lost somewhere.and i was not in india.I recently came in india in December month. Recently I opened my new salary account in HDFC BANK, VIVEK VIHAR BRANCH, DELHI. But HDFC CREDIT CARD department hold my account funds approx Rs.16000 without any confirmation.

For that i was visited to VIVEK VIHAR Branch, But according to Branch manager hdfc credit card department hold your funds.
I was called to hdfc customer care department for query on[protected], they suggest me to wait for collection department call.After 3 hours i received call from[protected],[protected] of Miss RUBY & directly said...
"AB TO KHUSH HO NA AAP, JAB HAMNE AAPKE ACCOUNT SE PAISE ROK LIYE"...

I confirm my outstanding Bill from HDFC Credit cards department, its Rs.8841, But how can they Hold my Rs 16000 money without any my information.

I also received an call from[protected]. She said we don't pay your Rs.16000.
I called to[protected] miss Narita she said your hold funds automatically deduct from your account.And she give me one new no :-
[protected].
She said this no owner is a department head & she solved your problem, But i called on this no but she didn't pick my call, also she cut my call many times.

I just want to clear my this bills & final settlement on urgent basis.Please do the needful otherwise & will check this issues as a Legal Action.




Thanks & Regards
Suraj Kumar Gupta
SR.MANAGER - IT & BROADCAST
JANSANDESH 24x7 HINDI NEWS CHANNEL,
NOIDA-201301, INDIA
[protected], 33
[protected]
[protected]
[protected]

Dear Readers

From last 3 months i am writing to HDFC Credit Card department of rectifying my EMI Installment, at present i am paying ECS from MY HDFC Bank Account so as deducting EMI from credit card also. My repeated request and telephonic call all in vein. every one week i received a message within 12 days we are sort out the mateer, but till date no rectificattion from Hdfc credit card department.

Following persons mail and calls received from HDFC
1. Mr. Arun Manager Credit Card
2. Mr. Chandu Manger
3. Ms Pooja (Executive)
4. Mr Pankaj Executive
5. Ms Priyanka Executive
6. Ms Anugrtha Manger Credit Card

Still not resolve my complaint.

It is my hope Mr Pareek (CMD of HDFC) get this words and take neccessary action