[Resolved]  HDFC Bank — Without any dues receovery

Hi,
I used to hold a HDFC Bank credit card till october 2004, as a gesture of goodwil in 2004 HDFC had sent a Rs. 5000 loan on phone cheque to me. This cheque was lost in transist and amount was never credited in my account. Despite this HDFC Bank started charging EMIs, EMI processing fees, interest etc. finally I informed them that please cancel this card. Their customer care representative told this amount cannot be waived off whether you use or don’t use this card since the cheque has been dispatched.

After that I stopped using this card, last purchase was done in August 2004 and entire purchase amount was cleared vide cheque no. 238432 of Rs. 1485 in september 2004. Despite clearing all purchases HDFC is still charging EMIs, interest, late fees on a lost cheque which was never used/got credit in any account.

HDFC Bank recovery agent started threatening me also, I received several abusive calls from different mobile nos (will disclose later). Being in media I wrote to news channels about this, immediately after that HDFC agent called me and informed that this was our mistake and entire outstanding has been cleared, in future you will not be disturbed. During this period I got a advocate letter also which I replied by registered post asking for details of dues, no reply came. But some time later again new recovery agent started calling me, recently HDFC Bank has kept Rs. 14385 on hold from my savings account.

For last four years I am going through this harassment, mental trauma and now without any prior information HDFC has started debiting money from my HDFC savings account. Kindly advise how can I pursue this legally to get back not only my money but also damages. All statements, abusive recovery agents mobile nos. and registerd correspondece proof is with me.

Warm Regards

Gaurav Singh