HDFC Bank Complaints & Reviews

dear sirmadam
my name is jani iam working in dubai
i need the account in hdfc bank in nagercoil branch so what can i do please send the detail to forward me

my account open in chennai branch now i want my account change please in nagarcoil branch so i want changing datail mail me and loan facilty home loan, home maitenance loan detail send me sir
my account open 1.5 year compleated

Dear sir my a/c no is [protected] please i need nagercoil ddj center branch phone number thank u

Loking for back office and operations jobs in HDFC BANK.

Post for back office /office Excutive jobs in HDFC BANK.
at lucknow.

Thanaks

Jitendra Vema
[protected]

HDFC Bank — i want details & address of this number

the phone number is " [protected]"
i want the above phone number details & address immediately to my mail id
plz sir this is very urgent

CAR LOAN — car loan ac..details

dear sir...



please send me carloan accont detals(loan track) in my mail id...ac no - LATHR [protected]..

YOURS FAITHFULLY,
SANEESH...

vishal bagasariya
mo : [protected]
a/c no : [protected]
respected sir,
hdfc bank

subject : a complain for not refund the check

i introduce my self my name is vishal bagasariya and my a/c no is [protected]. i deposited my check varachha atm machine on date[protected] at 6 pm thursday but not clear and not refund to my home. my check no is 447155. i hope you give me reply very fastly.
yours faithfully
vishal bagasariya

i want my car loan details in my mail id as soon as possible.
for your kind information, i bought a WAGON R on 2nd jan.

I want to request that ECS should be posted the next day or change the date by postponding it to 9th or 10th of the month from present 7th. Please contact me at the earliest for the same.

Sir,
I have taken a Auto loan from your bank. (Agreement no:[protected]. My EMI started on 07.10.07. I have alrady 17 EMI in due time. For the month of March'09 due to a mistake from my end EMI (7.3.09) bounced. Your representative Mr. Mondal from Kolkata (mob no: [protected]) contacted me 12/15 days back & I adviced him to collect my payment from my office at 22B Santi Pally, Kolkata because at that time I was out of Kolkata. He denied to collect it & gave me an explanation that Kolkata is not under his jurisdiction & he is only able to collect it from my residence at Howrah only. But at the time of car purchase all the cheques were collected from my office only. Day before yesterday, I got one call from your bank & was giving me threatening due to my non payment. That day after receiving such a call from your bank, I called up Mr. Mondal (on 02.04.09 at 1.04 pm on his mobile no: [protected]) to collect the payment from my kolkata office but he again denied to collect it and gave me an explanation that till date he did not receive any pending list from bank for the month of April'09. But again I requested him to collect the amount from my office. But he did not come.
I will be out of Kolkata till middle of this month. So now it is not possible for me to pay the amount till then.
You are requested not to send any person to collect the amount till then.
Regards
Sanjib Das
Mob: [protected]

DEAR SIR I WANT MY CAR LOAN ACCOUNT STATEMENT TILL NOW EITHER MY e MAIL ID OR AT MY RESIDENTIAL ADDRESS.
THANK YOU

Hdfc is a number one useless and customer cheater bank in the earth.. i belive its because of brain less managers.

dear sir,
my application no[protected].for a car loan . i have paid 40% of the car (onroad) value. and rest of the amount to be covered under laon from hdfc bank.
m/s sky automobile, raipur has collected the money from me.

but mr javed-[protected], hdfc bank car loan person forceing me to pay 20% of the car value.
funniest part is when m/s sky automobile informed the bank about my margin money (40%) dated -8th, 9th of may 09 has allready collected from the customer,

but the approve letter i recieve from the bank on 19th may 09 that customer has paid 20% of the car .when i informed the same to mr javed, still he says no problem,

i dont understand what is happening in the bank? how can the bank is so casual?
please advise what to do?
should i wait for the letter new ?
subhash panda.raipur.
[protected]


letter, i recieve from the bank

CAR LOAN — DETAILS LATEST

Please refer to my car loan a/c no 10837222 for car MP09CA6455 taken from HDFC Bank Indore.

Kindly let me know the following :-

Balance Loan amount/total amt if full repayment/cheque to be issued in the name of ?

i want my car loan details in my mail id as soon as possible.
for your kind information, i bought a alto on 27may. my loan appl. no. 14952620

I was looking for car loan.I started talking to bank .I came across many people of HDFC bank ..they offered me loan with defferent interest rate someone was giving me @ 9.75, some at 10% and some 10.25 and some 10.5 and so and so.They dont have anything written on site or paper.They just sell their loan depend upon the customer..these people are so bad that u can't beleive ..Even their calculation is not up to the mark ..make u scratch ur head...finally I opted out not to take loan from HDFC ..Now I am looking frwd to take loan from SBI...

please call me now my number is [protected] and check my account varification code is pfn2

send me money fast

I need detailed information of my car loan a/c no.11087140

Hi,
I want my car loan details on my mail id as soon as possible.
I bought a Alto Car on 07 November, 08 and my loan a/c # 14073581.
Also i want to foreclose my loan at earliest as possible, therefore kindly allign your executive to help me out in forecloser of my loan.

Regards
Amit Sharma
[protected]

Respected Sir,
I want my car loan details on my mail id as soon as possible.
I want to foreclose my loan, but that loan i was taken on my brother name Mr. Prafull Shivale he is busy in his own business your bank executive didnt help me further i was communicate with brother to him they had dont listen any word .
A/c No - 1279035

please advise what to do?


Regards
Vishal Hawale
[protected]

We have taken the HDFC CAR Loan My car no is AK05-MG 49 In the name of BG Nandibasappa pls send latest pending statment loandetails

my no [protected]

kindly do the needful,

thanks and rgds
nandibasappa

DEAR SIR, I HAVE TAKEN CAR LAON FROM YOUR ESTEEMED BANK. MY AGREEMENT NO IS 15887884. MY EMI ON 05/04/2010 IS BAOUNCED. SO I KINDLY REQUEST YOU TO PL PUT ON SMS ALERT ON MY CELL NO [protected]. SO THAT I WILL NOT DISHONOUR ANY EMI.

RAJNISH

dear sir,
I am harikrishna plese my account details
my no in gujarat [protected]
thanks,
hari

my loan account number is14973800 and I want my bank statement on my email address [protected]@yahoo.in at the earliest.

my loan account number is 3026964 and I want my bank statement on my email address [protected]@gmail.com at the earliest.


Prasad Patankar
Aurangabad Maharashtra

My Mo No is [protected], [protected]

Dear Sir,
I have completed my car loan i have bought a ALTO car in the year 2007 dated on[protected].
SO, kindly send my NOC and return my checques to my residential address.

My details are T.J.VIDYASAGAR
LOAN A/C NO:12304678, MY SAVINGS A/C NO IS [protected] NACHARAM BRANCH, HYDERABAD.

CHEERS

DEAR SIR, I WANT MY CAR LOAN ACCOUNT STATEMENT TILL NOW EITHER MY e MAIL ID OR AT MY RESIDENTIAL ADDRESS.e mail id is www.[protected]@gmail.com
THANK YOU

from:
fazilat rahman
qtr.no.619/c, rly.colony,
bamunimaidan, guwahati-781021, assam

DEAR SIR, I HAVE TAKEN CAR LAON FROM YOUR ESTEEMED BANK. MY LOAN ACCOUNT NO IS 14722472.AND EMI DATE IS 5TH OF EVERY MONTH KINDLY REQUEST YOU TO PL PUT ON SMS ALERT ON MY CELL NO +91 [protected]. SO THAT I WILL NOT DISHONOUR ANY EMI.
PLEASE SEND A MONTHLY STATEMENT OF MY LOAN ACCOUNT TO MY MAIL ID:- sambit.[protected]@gmail.com

DEAR SIR,

IHAVE TAKEN AN AUTO LOAN FROM HDFC BANK IN MARCH-2008 LOAN AGREEMENT NO IS.12900597 IN MY NAME ARUN K. MOHANTY AND HAVE ALREADY CLEARED COMPLETE EMI IN LAST 7TH. FEB.-13 IN A SUCCESSFUL MANNER. WHILE SEARCHING FOR THE NOC, GOT AN INFORMATION THAT A SUM OF Rs.21 /- IS STILL PENDING FOR REPAYMENT THE LOAN A/C, FURTHER I HAVE DEPOSITED THE Rs.21 /- AT YOUR MEHSANA ( GUJ) LOAN DIVISION VIDE RECEIPT NO.000079 DT.08.02.13 AND THE SAME SHOULD BE ADJUSTED IN MY LOAN A/C. TO-DAY I HAVE ENQUIRED TH YOUR CUSTOMER CARE THAT THE SAME HAS NOT BEEN CREDITED TO LOAN A/C, AND TH. NET FIND THE SAME AMOUNT HAS BEEN CREDITED TO MY SAVINGS BANK A/C OF HDFC SALARY A/C. IT IS A MATTER OF SURPRISE HOW THIS HAS NOT BEEN CREDITED TO AUTO LOAN A/C. AS ALREADY 15 DAYS PASSED BUT TILL DATE I HAVE NOT RECEIVED THE NOC FROM HDFC BANK AND REQUEST PL. GET TRANSFER THE Rs.21 /- FROM MY S B A/C AND ISSUE ME THE NOC AT THE EARLIEST.

BEING A VALUABLE CUSTOMER THE BANK SHOULD GIVE MORE IMPORTANCE IN THIS REGARD.
AWAITING FOR YOUR EARLY REPLY ALONG WITH NOC. IN MY ID [protected]@cera-india.com.

till date i have not received any loan / emi paid statement of accounts for my references.pl. arrange to send me in details in my [protected]@cera-india.com id immediately.

Dear Sir,

My car loan EMI ref[protected], I want my loan account bank statement to my email address [protected]@gmail.com at the earliest
Ashok Kumar: [protected]

Security's Behaviour

The security at the HDFC ATM in Ayyapanagar, KR Puram, bengaluru -36 has responded in an very rude manner when asked about the not working of ATM .Also, there were no boards placed saying the ATM was out of order.

Send me how to hack atm

sir.,

my card not working, it deny at reliance fresh please advise .

my card detials are card no
]
card no [protected]

name : KRANTHI THANTAPUREDDY K1960

HDFC is not clearly mentioned which are retail chain are accepting the card.

i guess the problem is with the amount. my card was not accepted in reliance fresh for 200+ amount but it did for 97 rs. Similarly happened with McD also. I heard that there is a upper limit of 100 rs in a day. But this limit is not there in case of Sodexho coupons...

but what about the amount that was not used for the day?

Is it carry forward to the next day?

In such case I can buy or pay more then 100 rs. using hdfc food plus card, right?

thanks,
Nirav

My card no [protected] not using reliance, heratige, bug bazaar, Spencer always shows decline and what purpose I am using this card . very bad service of Hdfc bank and not introduce in future.

TCS provided HDFC food card 4213XXXXXXXX2072 is not accepting at any of the super market ( Murugan Super Market, local provisional shop, Heritage fresh & Heritage Super Market) seems to be accepting only on restaurant like A2B, Sangeetha, Hot Chips. no use of having the card.

Dear Sir/Madam,

My card no is xxxxx is not accepting any of the grocerry for purchasing food items.Got this card from TCS
It is very ebarassing position will come when it is not accepted after purchasing all the food items. We are not the people going for bar and restaurents.We are taking montly food item at Big Bazaar only.
This is a common issue for all the TCS employees where as same card is working for corporate companies like CTS

So please look in to the matter.
Regards
Sandeep M

You marked as Resolved. What is the solution note?

Hi Sonika,

I want to say you one things that just arrange the money from somewhere and close the loan. Udhar bahout kharab chiz hoti he so please close your loan as soon as quick. If you will pay 25% of the loan amount every year then HDFC will not charge you any extra money. so please close the loan by paying 25% every year or close the whole loan at 1 time.

Thanks

vijay

Mr. Vijay, are you by chance work for HDFC in anyway?. I think so, else u cannot make such insensitive comments again and again. why are you always in defense of HDFC even thougth such private banks "Take the existing cust. for a ride and screw them" mode.

You don't have any authority to say that, "go and get the loan from somewhere else". Banks suppose to do business by give loan and collect in ethical and fair way, not rob the existing one and seduce the new one with low % and rob them too.

simple, banks must honor the "floating rate" ie. when the RBI CRR/whatever or inflation increases, increase, when decreases decrease to all.

I have sent multiple complaints to them without any action. All we can do is spread awareness on these cheaters

Hi Sonica

My sympathies towards your plight. However, based on a loan of [protected]@10.25% your EMI is 26514 ( Rs 982 per lac ). When the Interest Rate changes to 11.5% your Actual EMI is 28809 ( @ 1067 per lac ). However, keeping your previous EMI of 26514 constant your tenure has to increase. Your tenure is keeping your previous EMI constant is now 392 months. To get your period back to 240 months you need to prepay atleast Rs 2, 00, 000 ( 2L ). You will need to constantly prepay ( however small that amount is ) in order to ensure that u get outta this trap.

want to say you one things that just arrange the money from somewhere and close the loan. Udhar bahout kharab chiz hoti he so please close your loan as soon as quick. If you will pay 25% of the loan amount every year then HDFC will not charge you any extra money. so please close the loan by paying 25% every year or close the whole loan at 1 time.

As per my approximate calculation, the new tenure comes to 364 months. The best way to counter this is to make a prepayment. If you make a prepayment now of approx 2L to 2.15 lakhs, the tenure will come back to close to original of 240 months. Note that the more you delay your prepayment, the more amount will need to be paid to reduce the tenure.

it is good

Bank ATM/Debit card PIN
Dear Sir,

The following mail i received from HDFC bank on 22/11/2009 for your information. Until today, i didn't receive my customer ID Card PIN. Please do the needful. My contact number :[protected]Abu Dhabi, UAE).
Since last 1 month I opened account still I not get customer ID and card pin.
my account No is [protected]
branch No is 0761

Unhappy with service provided service quality staff behavior, turnaround time

- On Fri, 7/17/09, mobeen mohd <[protected]@yahoo.com> wrote:

> From: mobeen mohd <[protected]@yahoo.com>
> Subject: unautorised cheq cleard by the hdfc bank
> To: manoj.[protected]@hdfcbank.com
> Cc: "[protected]@rbi.org.in" <[protected]@rbi.org.in>
> Date: Friday, July 17, 2009, 5:53 PM
> Dear Sir
> my a/c in hdfcbank moradabad
> branch my a/c no [protected] my a/c is the good
> condition.i am isued the cheq no 524150 reliance
> comunication dated 05/07/2009 but cheq amount debit of my
> a/c [protected] dated 02/07/2009 why?????????? plz cleard
> the matter other wise i am submited the case of consumer
> foram thks.
>
> Regard&thks
> mohd mobeen
> [protected]
>

If RBI says go to consumer court, then why RBI keeping the private bank money??. If they can't control on such sensitive issues (ie. where they can fool the cu. by "floating rate" name, it is like cheating), they can declare "private banks" like "private finance company" and stay away from them and customer can have accounts/loan at their own risks?

so that everybody without any option can go to PSU which in away proved to be safer than these "existing customer robbing" private banks!.

I am also a victim to this. Lets group and do a Dharna in front of HDFC Office. We should have banner against HDFC and also against Congress party who heads center. They have the power to control such injustice(via RBI actions/measures), but they are not doing so, since they are eating money from private banks. Lets regroup and put up a big rally. I have created a group here, please enroll. The name is http://groups.yahoo.com/group/against-HDFC-injustice/
My name is Anil and I live in Bangalore. Let plan to group up and have a rally to protest. Please read the message on the above group and provide your ideas aswell. Again you can reach me at: Reach me at [protected]@gmail.com.

my a/c [protected] cust id 4782343

I have requested on dt 6-5 feb 2010 for account closing in hdfc bank ranipur more haridwar but there are not any action for this metter I am very upset for this metter, plz tell me what I do..

Shelendra Rana
[protected]

i am 100% agree with Dr. patel. any broker in india can not charge for physical contract note which they issue to their clients. i have legal documents from sebi that sebi has never issued any order or circulear allowing broker to charge for physical contract notes

CONCERNED ALL,

HDFC BANK SAVING A.C.

NAME: RUPEN A SHAH

A.C. NO.[protected]

PLEASE SEND ME MY SAVING A.C STATEMENT FOR THE MONTH OF DEC.08.

TILL DATE NOT RECEIVED ANY MAIL. AND AFTER FEW DAYS PASS AWAY YOU ARE GOING TO TAKE CHARGES FOR THE STATEMENT.

EVERY TIME THIS HAPPENS. WHY THIS SERVICE IS POOR ?

IF NOT POSSIBLE THEN SEND IT BY POST.

AT EARLIEST.

RUPEN SHAH

concerned all,

i 'm not received my saving bank account statement for dec.08. after so, many e mail & telephonic complaints taken my complaint as a granted.

my name : rupen a shah
account no: [protected]

i had sent complaints & for stop my email statement facilities and send it on my residence address.

but not received statement,

clear as earliest.

rupen shah

CONCERNED ALL,

HDFC BANK SAVING A.C.

NAME: RUPEN A SHAH

A.C. NO.[protected]

PLEASE SEND ME MY SAVING A.C STATEMENT FOR THE MONTH OF DEC.08.

TILL DATE NOT RECEIVED ANY MAIL. AND AFTER FEW DAYS PASS AWAY YOU ARE GOING TO TAKE CHARGES FOR THE STATEMENT.

EVERY TIME THIS HAPPENS. WHY THIS SERVICE IS POOR ?

IF NOT POSSIBLE THEN SEND IT BY POST.

AT EARLIEST.

RUPEN SHAH

3 days ago by Rupen Shah [send email]
concerned all,

i 'm not received my saving bank account statement for dec.08. after so, many e mail & telephonic complaints taken my complaint as a granted.

my name : rupen a shah
account no: [protected]

i had sent complaints & for stop my email statement facilities and send it on my residence address.

but not received statement,

clear as earliest.

rupen shah


till date not received statement.

now dec.08 & jan.09 statement pending

after 20 days and two mail send to you but not received statement.

rupen shah

This is the most amazing case as credibility and services of a reputed bank like HDFC is on stake, i have got a call from a DSA of Hdfc bank by the name of Sunny Finance.he approached me for refinance of my car which is already financed by ICICI BANK, SINCE I NEEDED MONEY SO I ACCEPTED HIS PROPOSAL FOR REFINANCE, ON 5TH JANYARY I GOT AN SMS FROMHDFC THAT USED CAR REFINANCELOAN A/C NO 14349029IS APPROVED.AND THEN ON 7TH JAN I GOT AN SMS FROM HDFC THAT CAR N CASH DISBURSEMENT OF RS375240 HAS BEEN CREDIT TO MY ACCOUNT NO [protected]HDFC BANK LTD,

HERE I DONT KNOW WHAT IS HAPPENING.

NOW THE FUNNY THING IS ON 10TH JAN I GOT AN SMS THAT MY FIRST EMI IS DUE ON 7TH FEBRUARY IS 13492 ON HDFC LOAN 14349029.

NOW HERE I JUST WANT TO KNOW HOW THE HELL I AM LIABLE FOR EMI AND THE DSA IS ABSCONDING, HE IS NOT GIVING ME THE LOAN DD.

I REQUEST ALL THE SENIOR AUTHOROTIES TO LOOK INTO THIS MATTER IMMEDIATELY AND HELP TO RESOLLVE THIS CASE ASAP, OTHERWISE I HAVE TO INVOLVE MEDIA AND LEGAL PERSON ALSO TO SOLVE THIS SMALL ISSUE.

I WANT MY LOAN OTHERWISE CANCEL THE DEAL AND TAKE STRICT ACTION AGAIN THIS SO CALLED DSA.

MY MOBILE NO IS [protected]..

CONCERNED ALL,

THREE MAIL FROM LAST 20 DAYS FOR ONLY SAVING A.C.STATEMENT FOR DEC.08 & JAN.09. BUT NOT RECEIVED.

RECEIVED ONLY PHONE CALLS FROM YOUR CALLER AND DIFFERENT CALLER AND SAME STORY EVERY TIME.

my name : rupen a shah
account no: [protected]

NOW TELL ME WHAT TO DO ?

RUPEN SHAH

THREE MAIL FROM LAST 20 DAYS FOR ONLY SAVING A.C.STATEMENT FOR june.08, july-08, aug-08, oct-08 & JAN.09. BUT NOT RECEIVED.

RECEIVED ONLY PHONE CALLS FROM YOUR CALLER AND DIFFERENT CALLER AND SAME STORY EVERY TIME.

my name : rupen a shah
account no: [protected]

NOW TELL ME WHAT TO DO ?

RUPEN SHAH

THREE MAIL FROM LAST 20 DAYS FOR ONLY SAVING A.C.STATEMENT FOR june.08, july-08, aug-08, oct-08 & JAN.09. BUT NOT RECEIVED.

RECEIVED ONLY PHONE CALLS FROM YOUR CALLER AND DIFFERENT CALLER AND SAME STORY EVERY TIME.

my name : rupen a shah
account no: [protected]

NOW TELL ME WHAT TO DO ?

RUPEN SHAH

Dear Sir/madam

Subject: Not getting my salary from last 7 months.

I am Sandeep kumar upadhyay and also working in HDFC Bank as Contract Sales Executive in Noida Sector 18, Branch Code is 0088 in under of Amit S Jain(Sales manager). i had joined this bank since 01 september 2008. after working two months in Hdfc Bank i gotted my appointment letter which is issued as the date of 15 October 2008. it means i had joined hdfc bank as of 15 october 2008.
But still i am not getting salary even a single month.
I am working hear from last 7 months and not getting salary. what should i do? you know well that living in outside it's very tuff without salary. i had asked many time to my Boss but he is doing nothing.
so i constrant to mail you that you would help me out in this matter.


Thanking you
Sandeep Kumar upadhyay
Emp. Code-CS25561
Contact no.-[protected]
Account no.[protected]

Rajiv.B. Dayama
Credit Card no [protected] Date 17.1.2009

To,
The Manager
Credit Card Division
HDFC Bank,
Mumbai

Dear Sir,

Sub: Settlement of Dues
Ref : HDFC Card No [protected]

With reference to my card no [protected], I regret to inform you I have incurred huge financial losses in the last year 2008 despite of that somehow I managed to pay monthly minimum amount due/EMI, but now I am in a dip financial crises that I am not in a position to pay monthly minimum amount due on the card, Very recently my father was hospitalized twice and due to his health problem he has to retired from his service. I am having two daughters, my mother & my wife is a housewife and I am the only person in the family who is earning bread & butter for my family.

Considering my pathetic condition I request to kindly settle & close my account for Rs 45000/-, I can not pay more than 45000/- in Eight monthly installments (out of which right now I am paying Rs 7900 wide receipt no C 15386223 dtd 14.01.2009 cheque no 354745 ) so for balance Rs 37000/- please allow me to clear the dues in eight monthly installment of 4625/- each

I once again request you to kindly consider my application and settle my dues as requested above.

Pls revert back at the earliest.

Thanking you,

(Rajiv. Dayama)
Mob : [protected]
Email : rajiv.[protected]@rediffmail.com









From Rajiv. Dayama
206, Sonal Apt,
Din Dayal Nagar,
Vasai Road,
Thane-401202
Date :18.03.2009


To,
The Managar
Credit Card Division
Chennai.

Ref : Credit Card no [protected]
Sub : Behavior of your employee

Dear Sir,

I would like to inform you that I am holding HDFC credit card no [protected]. On 18.03.2009 madam PRATIBHA (her office no[protected] had sent one person for collecting payment at my residence, As I am facing financial crises I had written letter and kept at home so that the same can be collected by you person, I was suppose to meet PRATIBHA madam within couple of days.
As I was not at home PRATIBHA madam talked to my wife and insisted her for payment, PRATIBHA madam told my wife to arrange fund from my neighbor and told so so so so many things including how is she (my wife) is not aware of credit card, she is also responsible & etc, etc. Now I wanted to know how PRATIBHA madam can talk to family members like this, then pratibha madam called up me, i told her that i will come meet her personally on FRIDAY morning at her office address WILSON HOUSE, LIC BUILDING, ANDHERI(E), MUMBAI on friday, despite of repeated request made by me for meeting her on friday, PRATIBHA madam wanted my wife to give in writing that I will come & see PRATIBHA madam on friday morning, even she asked to send fax for the same. I was shocked to listen attitude of such an established, well reputed, HDFC bank, it was an unbelievable & unforgettable experience for me, when i reached home in the night quarrel took place between me & my wife. We had heated argument,

Sir, I never said that i will not make any payment, I am facing financial difficulties so i just wanted to give her letter requesting hdfc bank to grant me some time period for the payment.

In the month of December-2008 my father was hospitalized, in the first week of February-2009 my daughter was hospitalized, & in the last week of February-2009 even i was hospitalized, i had undergone operation of appendix. ( I had enclosed all medical discharge reports with that letter) In that last year i had incurred huge financial losses in the share market. Right now i am all sorts of trouble. I am under immense pressure & tension.

But PRATIBHA madam should have not behaved like that now i want explanation how can she talk to family member in such a manner. When i have taken credit card then how can pratibha madam ask for the payment from wife & my neighbor?


Pls treat this matter as very urgent & very serious, i dont want you take any action PRATIBHA madam, but this is professional manner,

Pls revert back
Thanks & Regards



Thanks & Regards
(Rajiv. Dayama)



























From Rajiv. Dayama
206, Sonal Apt,
Din Dayal Nagar,
Vasai Road,
Thane-401202
Date :18.03.2009


To,
The Managar
Credit Card Division
Chennai.

Ref : Credit Card no [protected]
Sub : Behavior of your employee

Dear Sir.

This is what i had written to HDFC Bank Ltd the last month & in this month of April 2009 also when I had come & met you even given request letter for settlement your collection person or recovery agent MR. SANDEEP JADHAV (mobile no [protected]) sent his person/ recovery boy Mr RAJ (mobile no [protected]) twice at my residence even after I personally visited your office, situated at III Floor, wilson House, Old nagrdas Road, Andheri (East) Mumbai-400069 I met you Mr Guurav Unival & Mr Sanjay (phone no[protected] I explained all my financial difficulties & family problem and put request for settlement. I was expecting some kind of relief from HDFC bank, which you provided orally that you are going to do something for me but VERY NEXT DAY Mr Sandeep Jadhav sent his boy Mr Raj at my home and forcefully insisted my mother Mrs Lalita B. Dayama (62 years old) to make payment, even my Sanjay had asked her to sell her jewelry, utensils and repay loan taken by me, even asked Mr Raj recovery boy to sit I in my house till I return & to collect amount from society members, since that day my mother is so scared that she is crying continuously she is very much frightened & worried, Then Mr Sanjay called on mobile and spoken very loudly again & again and abused me and threaten me that his boy Mr Raj will sit at my home whole day & will collect money on behalf from the society members. Mr Sanjay finally given me deadline of 25th April, 2009 for making payment of Rs 8000/- if I fail to make payment on 25th April he was warned me that he will use all possible ways to harass me & my family members.
Dear Sir I wanted to draw you valid attention towards the fact that every month I am already making payments of Rs 7580/- against card no [protected] which we have settled and you are already having two post dated cheques dtd[protected] &[protected] for Rs 7580/- each with you.
Dear sir when I am not that kind of customer who do not want to pay then how HDFC BANK LTD can behave like this, when I am giving all kind cooperation to HDFC Bank then how can HDFC bank treat me and my family members like this. Sir now I am very very sorry to say that I helpless & I am under immense pressure and tension. Mr Sandeep Jadhav such an experience top level executive in the reputed organization like HDFC Bank should know how to behave with the senior citizen. What your people collection team, recovery agent has done is beyond tolerance limit; I have left with no other option than to take this issue to consumer protection forum. Reserve Bank of India. Print media & electronic media. You can not threat the customer like this. This is very very serious issue.
Pls revert back within THREE working days from the receipt of this letter/mail.


Thanking You,


(Rajiv. Dayama)

To,
The Grievance Department
HDFC standard life insurance

Sub :- Cheating by Brajesh Kumar ( Branch Manager, HDFC Standard Life
jamshedpur, jharkhand)
Dear Sir,

This is Deepak kumar singh, and was selected and approved by you in the interview held in 1st week of May (standard life, sakchi jamshedpur) and forwarded the hard copy of my resume to Brajesh Kumar (BRANCH MANAGER).

In order to receive my offer letter, I was asked to introduce 10 complete applications of FC along with demand draft, by my BM Mr. Brajesh Kumar.

Sir, in this process I myself invested my 10, 000 bucks and introduced
(1) Rajeev kumar Gupta (2)Ajay kumar Burman (3)Purushottam Prasad (4) Abhijit Gorai (5) Ajit Sahu(6) Sanjay kumar sharma (7) Bishwajit kumar Singh as financial consultants and three more applications. which latter on I didn’t login due to uncertainty of my appointment, I was told that it would take one week in my offer letter to come. After few days I came to know from my BM that my appointment is not sure.

This is what he does with the candidates, who come for the interview, 1st assuring the candidates for his employment and then pressurising him to bring FCs( FINANCIAL CONSULTANTS) & business for the company, and afterwards avoiding the candidate when the purpose is over.

this is the way he cheats the candidates who come for the employment in HDFC Standard life.

Sir, before, I had a very high image value of HDFC brand in my eyes, but now after all these, I got a very bad and horrible experience about HDFC standard life.

Sir I thought it is better to let you know all these fact about HDFC standard life, Jamshedpur.

please help me out...


Thanking you,



(Deepak Kumar Singh)
Ph : [protected]
E-mail : [protected]@gmail.com

Ref: prepayment of your personal loan account no: 17125806
Dear sir,
why HDFC bank take prepayment charges @4% on outstanding principal of loan amount. we know RBI guidelines no any bank charge prepayment charge on outstanding of principal amount.
sir we are very disagree please help me...

sanjay yadav
mob:[protected]
e-mail: [protected]@gmail.com

Savings Account No.[protected]
Grant Road Branch

I am a senior citizen holding this account since past 25 years. Recently especially after demonetization the service of your staff is appalling. I had a recent bout of chikanguniya and despite of my ill heath, In the past one month I have been to the bank for more than 6/7 times just for the withdrawal of Rs.10, 000/- for my daily requirements but was turned away saying no money. This is absurd for a reputed bank like yours. Today once again I went to the bank and met Mr. NageshParab/Abhishek Sahu who said no money first, then said come again in the afternoon and ultimately said we will give you all Rs.2000/- notes. I just asked for a change of one note of Rs.2000/- for my daily requirements which they flatly refused. I requested them to send it across to my residence which is at a ten minutes distance since I am unable to visit the bank again and again. Is it that I asked for the moon that your staff cannot oblige? I would like to have a reply immediately.

I COMPLETELY AGREE with the complainant. It appears that RBI consitituted under a special act, has been reduced to a toothless and clawless tiger atleast in the eyes of the banks it grants licence to conduct banking business in India. Apparently there is little control that RBI exercises over banks apart from the compliance requirments like maintenance of CRR, credit to special sectors, etc, there is however opaque evidence to suggest that RBI has done or is doing to protect the fundamental rights of citizens (read banking consumers) in India. I feel that a really vast majority (atleast more than the percentage who vote to elect the governemnts in India) of individuals in India are law abiding citizens. In fact the success of English doctrine of 'Rule of Law' has been due to 'abiding nature' of Indian citizens. Just an example in these financially turbulent times, Is it possible for crises like Subprime and the latest banking business collapse in US, to occur in India? The answer is flat 'NO' because of the vigilant eyes of the RBI to ensure compliance by the banks as to regulatory provisions-Part-I; Part-II is that Indian citizens would never think to re-securitise the assets to secure loans multiple number of times and that too at such a scale and in an organised manner!

There DEFINITELY is a tilt of power towards consumers in the west viz-a-viz banking hegemony v/s. fundamental rights of citizens. We can see that not only consumers brought down the banks but initial reports adduce sufficient evidence that there has been a multiplicity of securitisation of assets to secure loans from banks. But banks there never used 'recovery agents' to overrule fundamental rights of citizens, judicial process and 'Rule of THE Law' to correct their balance sheets. I wonder as to why then in India the banking companies are exercising powers which even the State of India can exercise during EMERGENCY and that too after exercising due process of law. Making threatening calls, sending recovery agents, using foul language is definitely violation of fundamental right to live and live with dignity(Article 21). It shall be noted here that fundamental right under Article 19 is also affected as citizens live under the fear of vulgar and uncivilised oratory of banking staff and recovery agents. The expression of an individual is affected (remember heart attacks cases and cardiac malfunction (this posting))!

Like there is the rule of law for citizens so is it for 'fictitious' creatures of law. But banking companies never resort to the judicial process of going to Debt Recovery Tribunal, filing of civil suits for recovery under Insolvency Act etc. They say it is a long procedure to recover through this 'judicial process' and hence the adoption of strong arms tactics. In that case it the failure of the heads of these big banking conglomerates to visualize the banking business scenario in India. If it is so, then they must be fired or simply banks can go packing their business from India (there is separate chapter on winding-up under The Companies Act, 1956). They must remember that we Indians are no longer ruled and do not intend to be ruled by any Company as in the past. We have a Constitution and faith in it. If these banking companies don't want to respect provisions contained in our Constitution, then 'go packing', Indian citizens don't care. Just because we are law abiding citizens doesn't create any right in favor of banking companies' to abuse our constitutional rights. It is a TAKE & GIVE (strictly in that order) situation under principle of EQUITY. There are no shortcuts. The judicial process is same for fictitious and natural persons and in case of conflict of rights, the rights of citizens shall prevail over creatures of law whose sole intention is to earn profit sans EQUITY.

It is a sad state of affairs that while in these matters of repayment of loans, the natural persons i.e.; the citizens are stripped of their fundamental rights ensured under constitution, the corporates (corporations, companies and corporates!) who are creatures of law and have fictitious status are getting away with the law. Agreed, that living is getting tough and it is a DOG EAT DOG situation everywhere but when it comes to comply with the law against recovery of loans from individuals and corporates it is DOG EAT CIVILIZED CITIZENS in former case and DOG LICKS DOG'S (?) in the latter case.
India is in great need of guidelines to ensure that banking companies do not over regulate (lest overrule) the fundamental rights of citizens guaranteed under consititution. RBI is one institution that has in the past and I believe like any other citizen that it CAN regulate the excessive force used by banks to recover debts. There is need to look with the angle of banking consumer rights and cultural background of India. There are people who would siegh with joy and reliefe on learning someday that RBI cancelled or suspended the licence of some powerful and/or MNC banking company on grounds of harassing consumers. That day it will be a little victory in the battle of citizens v/s banking companies, which again is 'Only one little part' of much larger war to secure DEMOCRACY in India.

I have been CC for more than two years.
I closed my credit acct.
Regarding this i got final settlement letter and i agreed to pay for that.
First cheque cleared then the collection agency never change to second cheq date to next month i insist me to pay the second installment on that month itself.
Regarding this, i contacted manger in HDFC Collection Mrs. Sadhana.
She told me that she will give the second letter very soon
Later she didn't contact and no more contact then
A month before i personally went to collection dept and discuss with the collection agency.
After that also they never contact me.
One day i went to shopping, i shocked, my saving account kept in hold.
After enquiry with HDFC customer dept, i came to know that account was kept in hold because of Credit card - non payment.

My Home loan due was not dispersed because of this.

I

Yes HDFC leaves no stone unturned. I have a 6 year old card and never failed to miss payment. But due to some circumstances one payment was skipped.
My payment was delayed and in all the calls and emails that they had send I clearly mentioned a date as to when I will make the payment and that was in a span to 10 days. But god give them some patience. Atleast they should know how to differentiate between a genuine customer and a fraud.