[Resolved]  HDFC Bank — Threatning Issue

Dear Sir,

I was using HDFC card from last 2-3 years and was happy with the services but 8-9 months ago there were 2 transactions made from my credit card. I got this information from my monthly statement then I called the customer care to investigate this matter because I had never done this kind of transactions. When consulted with the customer care they told me that they are reissuing my card and will be received it to you in 2-3 weeks maximum. I said that if you can provide me the card number then I will pay your bills because every month I had to pay at least 1300 rs as an installment but they told me that they cannot tell me the new card number you can see it after receiving. I thought it’s ok if I will receive it in 2-3 weeks.

But I didn’t get the card till now and after that 4 months ago I had received a call from HDFC collection department and they gave me the only card number to pay the bill but it was including all the charges(late payment and Finance charges). I paid them 1500 rs through check and told them to please send me the card as soon as possible. But after 1 month I again received a call from collection department to pay the rest amount then I told them that please remove all Finance charges against my card number because it’s not my fault, I am ready to pay my installments if you wave off all the charges. They (as I remember Rahul and Nitin) promised me that they will send me the card and wave off my extra charges so on the basis of that commitment I paid the installments till December/ January. But some day back I got a call from collection that you need to pay the whole amount, again I told him the entire story but he threatened me and told me that you need to pay this balance in 5 minutes otherwise he is going to take some legal actions.

I made the following requests by an email:
·Waive off all the extra charges so that I will start paying the monthly installments only as I am a salaried person so cannot pay any extra amount.
·Send me the Credit Card as I have received two letters from HDFC stating that you need to clear you dues first.
·Take some action against the person who had called me this month and threatened me.
·Till Jan/Feb I had only 2 backlogs as an installment so please consider this matter on urgent basis.

But despite of waving off approx 5000 rs(Finance charges) they told me to waive off 1700 rs and now they have sent me an email that they are going to send my details to RBI credit .


Please advise...
Vikash Kumar