[Resolved]  HDFC Bank — Harrassment

Address:

Jhajjar, Haryana

HI,
My Name is Tarun Kumar. I had an credit card with HDFC bank. I use that card for a good time also i had a salary account
with that bank for almonst good 3 to 4 yrs. I was making payment for same as well.
But after some time i was not able to make payment for same. And bank was charging me for same every month. They were adding interest on
that every month. One day i got a call and they told me that i can pay an minimum due of 800rs and rest i can pay like that. I paid
1000rs on that day. After 2 hours i got a call from Bank again saying that i have to pay minimum due of 1800rs. again. I told them i
can not do that. I asked them to give me a EMI faiclity by which i can make payment . Bank said for same i have to first of get the charges below the credit limit.
my credit limit was 15000rs. But at that time bill was for 22000rs. I asked them i cant do that. Then, Later in Jan 2012, Bank put a lean on my account and
they took my whole salary of 17000rs from my account. I have three loans as well. I have to pay installment them as well. Two loans are from HDFC and one from
Fullerton India. After they took money out of my account, I stopped paying their installment for Personal Loan. But still i am paying for their another loan that is for my bike.
But on every day they are calling me and abusing me and harrasing me. They are using profanity with my family and with my mom. In month of march i lost my job. Because of that
iwas not able to pay thier installment for bike as well for 2months. I was getting call's from them i was telling them i wll pay it when i will get job as dont have problem in
paying installemnt for bike. There was a lady calling me every day and using profanity. She was saying" Tum bhukhe nannge log kya kisht doge. Tumhare baap ne yahi shikhya hai "
" tumhare pass khane ke paise nahi hai to kyon loan liya tha. Tum apne baap ka naam kharab kar rahe ho.' Aur many more. later i got a job and i told them that i got a job and now i wll start
paying it. But they were disturbing me at time of my job as well. Now they are sending me Legal notice for credit card and Personal loan.
One more thing i had a Suvidha insurence from them as well for my bike. If i loose my job i will get waiver for 3 emi. But when i apply for same. I haven't
got that waiver. They told me that Insurence is valid in case your company will terminate you or if company get shut down. As there was not requirement in my company . So thet asked me to
leave the job. AS i didnt had any chioce. Because i have to take my salary and my experience letter from them. Sir, Kindly do something. I am furustated from
these calls and these notices. Sometime i think i will go to bank and Sucide their. But nothing would happen. they would just loose their money,but my faily would loose me.
But bank would keep harrassing people like us who got some issue and they are ready to pay but just because of situation they are not. They want time to pay.
So, Iwould request you to punish them. Take a Strickt action for same.