[Resolved]  HDFC Bank — Illicit Behavior & Threatening calls,

Address:

West Delhi, Delhi

Dear Sir/Madam,



This is to Bring to your notice that i am a customer of your esteem Bank and bought your privileged services in the year 2008, and opted for a credit card No.[protected],
My name is Manuj Dua and i put up in Tagore Garden , New Delhi-110027,To let you know my background let me iterate few facts in front of you-- I have served the Organisation as an BSM ( Band E) in Ashok Vihar Branch in HDFC Standardlife insurance and i am well versed with the ethics & morals of the group.

I have opted for this credit card in 2008 whereby by beginning of 2009 had to leave my job which was ICICI prudential where i was serving as Area Manager ( Grade 4)as my father was not keeping well with his health,he was a kidney patient and had his bypass surgery in the year 2003 and he retired from his job in the year 1997, whereby whatever money he had along with his pension he was only able to keep his own living going.,,but we had major financial crisis whereby we had to sell almost all are property for his treatment.As a only son i tried all my ends ...to save my father ,, & did whatever best i could have done financially, morally to be with him and to get him treated but we could not save him as he passed away last year 1st January ........during this phase i was a defaulter in all the credit cards & personal loans ....but i had full intentions to pay,despite being jobless now also, i understand the repercussions of this on my credit report i have settled all the accounts.
I settled this credit card in the at 57000/- in 7 shots from a guy named parmeet ([protected]) in the beginning of the year after a tale of trauma done by Shweta from Naraina branch...who used to call up & curse my mother for giving birth to a child like me for 2 months...unfortunately i dint had money so i had to bear it,, whereby the installment were around 8200/- pm .After taking first installment this guy again came to my office along with another guy whom he used to say his boss Mr. Yasir([protected])in the same month at 7.30 in the morning without informing me and sat at my place for 5 hrs pleading that Parmeet would loose his job in case more money is not given...i somehow felt that this would really happen & borrowed from someone a sum of Rs.12000/- in same month and gave him,after few day passed & in next month he again called up for the EMI -- i gave him 22000k as the cash was available & moreover i wanted to finish off the amount asap...keeping this at utmost priority & my & my family's basic needs aside.
In the 3rd month case got transferred to some other agency and another guy called up i told him that i dont have money in this month i wont be able to pay more than 2000/- in this month but they dint accepted ...i pleaded for hours ...called up the concerned girl Ms. Rashmi ( Sr. Manger) Naraina .....i begged in front of her and also took Yasir on conference call but she was very rude saying "(mere pass 800 cases hain ...her kisi ki fariyaad main nahi sun sakti)... i specifically told her that i am unemployed & wont be able to return this money again ...she abused and started yelling saying " paise to tere Baap bhi dega -- chahe tujhe apne mare hua baap se hi kyu na lane pade".Finally on 31st,..i.e the last day i received a call from Ms. Rashmi at 6.30 in evening when i was in gurgaon saying if you want to give money & save your settlement come to Naraina and pay 6000k ...i was in gurgaon ,neither i had money & couldn't manage.

In the next month i started calling them for my settlement but it was of no use as it was falling of deaf ear.,........after that no body followed my case , 2 months from there i received a call from your legal department ...i made him understand the whole case .....and after that he also dint contacted again.
Yesterday to my utter shock i received a call from my wife saying that i am receiving calls from a girl named Nidhi[protected]from Naraina Branch saying that "tere husband to bahut lachar aadmi hain , bhikari hain, tu hi uske paise de de",This credit card is a very personal matter to me , my wife wasn't aware of my financial position......this lady called up more than 40 times ,....and used against me as a weapon to threaten, whenever i refused ,she called up her office and whosoever picked up the phone she started abusing,saying" AISE KAISE LOGO KO NAUKRI PE RAKH LETE HO....CHOR HAI YE ""HUMARE 3.5 LAC RUPEE DENE HAIN ISNE AUR ISKE BEKHARI PATI NE"...
She was humiliated at her office place, by peons, office staff,her principle of the school, her reputation in school is destroyed,
"WHAT WAS HER FAULT".

I had to stop her making calls at my wife office, i told her i am ready for settlement again what would be the amount .....she said it will not be less than 48000k despite of the fact i dont have money in my hand.
I tried to negotiate & was talking to her the entire day listening to all her abuses about my family,myself, my sisters, my kids...I asked her what will you get out of this ...she replied INCENTIVE,& she is still adamant on the fact that i had to play minimum 40k, unfortunately i dont have money ....moreover my balance money in previous settlement was 15k.........why is that she is asking for triple the amount......just because of her threats we cannot settle on any amount she says.

Tomorrow anybody will come threaten me & take any amount from me.....ARE THESE THE VALUES & MORALS OF HDFC

Dont you guys think that it has become a malpractice by your agency guys?

My wife felt very humiliated and was shell shocked after knowing my financial position ...she fought with me & left my house , she couldn't take this humiliation and said that i am not liable for your liabilities.
I am a grief stricken person please help me , my family is destroyed ....MY ONLY QUESTION TO YOUR AUTHORITIES

" I had intentions to pay you guys ...was this my mistake that you guys invaded my privacy?

A person who is in debt doesn't have a right to fight back & live his living respectfully.
Today i am depressed, under trauma,mental torture has been done by your people.......................& i am very sure that my wife is not liable to pay for my liabilities & tomorrow i don't know what is going to happen i am unable to restore my relationship with my wife i don't know what extreme step i can take.
"FROM WHERE WILL YOU TAKE YOUR MONEY THAN".

I don't have money i cant fight a case BUT GIVE ME EASY and SMALL INSTALLMENTS & A CALCULATE AMOUNT AS PER MY PREVIOUS SETTLEMENT I AM READY TO PAY, ......plz tell me...else i have to approach various other authorities who can help me fight with this kind of injustice in a democratic country....i will die but will not stop fighting against this gunda culture of HDFC BANK

Manuj Dua
[protected],
[protected]