HDFC Bank Complaints & Reviews

On March 10, 2010, I had lodged a complaint against a cash deduction of Rs 3000/- from my A/C [protected] of HDFC bank, but I had lodged a complaint to the VimanNagar branck to which I was told that the cash will be refunded to my A/C within 12 working days but I received only Rs 2000/-. I had again lodged a complaint about the remaining amount to which I get a call from the HDFC callcenter saying that the amount of Rs 1000/- was withdrawn by myself. Astonishingly, I was shocked on hearing this and I am unfortunately sorry to say that a bank like HDFC would be so careless about handling the transactions from ATM of any banks.

I am totally actless and I do not know how to go with this issue and from whom should I take help, because money is money I cannot think of loosing Rs 1000/- just for their silly mistake. I look forward for a positive consideration towards my issue

This is Akash Inderpal & my HDFC two wheeler loan number is 15654622 . last month in march my ECS was reversed due to unsufficient balance but on that point of time I had balance in my account & you have reversed the ECS after that I have call to your customer care & called for executive to collect the payment & 9th of march I have paid the amount of EMI & the RT no[protected] dated -09/03/2010 to HDFC & my bank has been charged me 221/-rs for reversal chaerges but HDFC bank has been again presented my ECS ON 15/03/2010 & MY bank again charged me for reversal on 15/03/2010 even i have already paid the amount on 09/03/2010 & inform to the bank also that i have paid the amount.....
so, kindly check & resolve it

This is to inform you that i have saving account at HDFC mehsana branch and i had loker to this branch which i have surrender as on 27th March 2010 with written application to personal banker. But because of irresponsibility of personal banker rent has been charged for period 1st April, 2010 to 31st March,2011. I have talked to personal banker on customer support but she is not taking responsibility for the same. So give suggestion to me .

I have ben advanced aloan amount 2,30,000 on3.6.o5. I have oadi all instalments
but N.O.C is required

Hi,

In brief, I was issued joining fee free of cost credit card in August 2004 but HDFC billed me joining fee. Later on, they reversed the charges but to levy it again, partially. Since the same was disputed from the very beginning and not paid for, HDFC continued to bill me finance charges for non payment of the finance charges of previous months. However, they had been reversing finance charges partially, clearly indicating my strong protest against the same. I had been paying my monthly outstanding in full, in the next month and lastly, closed card in June 2005. However, they are continuing to bill me finance charges till date i.e. Mar 2010 and are showing some Rs 31000+ and have put my name in CIBIL. I have proofs of the same and consequently, my creditability is affected.

Attached herewith is chain of mails and statements. The sequence of events is self explanatory and clearly shows that I never kept any merchant transaction outstanding and paid in full in subsequent month.

Accordingly, I am planning to launch consumer court case for claiming damages resulting from misdeeds of HDFC. Further, I request you to highlight the matter in media and make general public aware what HDFC is doing in name of CIBIL. This is sheer exploitation and needs to be stopped.

I am willing to provide additional evidences of HDFC exploitation, if required.

Kind Regards
Gagan Hora
[protected]

From: GAGAN HORA [mailto:[protected]@hotmail.com]
Sent: April 03, 2010 1:47 AM
To: 'Bheemaiah.[protected]@hdfcbank.com'
Cc: 'customerservices.[protected]@hdfcbank.com'
Subject: RE: HDFC Credit Card : [protected] and reporting to Media inefficiency and exploitation by HDFC

Dear Bheemaiah,

I have dealing with HDFC on resolution of the issue pertaining to closed card: [protected] for over two years and it seem to be falling on deaf ears. By stating that I have some Rs 31000 odd outstanding does not help. If you continue to bill me for a card closed in 2005 till 2010, you can show lacs as outstanding charges. Your aim is to arm twist to extract some money out of discerning customers. However, I am now going to take HDFC to task. I am going to report matter in a full-fledged manner to media through appropriate channels and further initiate consumer court case for claiming damages for putting my name in CIBIL and thereby affecting my creditability. Now I have copies of CIBIL report and written evidences of its impact on my creditability.

I have attached copy of my previous mail which already provides details as to why nothing is outstanding. However, no sensible explanation has ever been provided except for HDFC statements which continue to bill for finance charges. Now, HDFC needs to explain it in media as well as consumer court, as to how they have arrived at this outstanding and further, I will provide threatening recorded calls by HDFC goons recorded by me with full details of call dates, calling number and time.

To reiterate, I will explain the sequence of events and why no charges are lawfully due, as follows:

1. The card was issued in July/ August 2004 and it was issued free of cost by DSA who got my application filled. If your DSA misrepresent the facts by telling a lie that card is free when it is not, then principal i.e. HDFC is responsible for act of agent as per contract act 1872. Further, subsequent statements clearly indicate dispute pertaining to joining fees .

2. In the statement of Sep 2004, joining fee of Rs 2160 levied is reversed fully, clearly indicating my protest and agreement of HDFC that the card is free card. I had merchant transactions of 1050.50 and paid in full Rs. 4151 towards August charges. This joining charge is root cause of later finance charges and dispute.

3. In the statement of Oct. 2004, surprisingly, HDFC bills me again for membership charges of 2160 but provides credit of Rs. 1350 against the same. This credit does not appear to be any specific % credit and sounds like a very arbitrary amount. On this disputed net amount of Rs. 810, HDFC bills me finance charges in subsequent months !! There is no merchant transaction or any lawful charges on my account, in this month. Accordingly, nothing is lawfully due.

4. In the statement of Nov 2004, I had merchant transactions of Rs. 5947.32. Although, joining fee of Rs 810 was wrongfully billed in Oct 2004 but non payment of the same results in levy of finance charges of 251.23. Accordingly, I was legally supposed to pay Rs 5947.32 only.

5. In the statement of Dec 2004, I had merchant transactions of Rs. 8004. I paid in full merchant transactions of previous month i.e. Rs 5947.32. Futher, there was refund from IRCTC towards cancellation of ticket resulting in extra payment. My total credits were Rs 6779 and accordingly, lawful outstanding after excess credit was Rs. 7172.32. However, HDFC billed me 343.37 towards previous outstanding finance charges.

6. In the statement of Jan 2005, I had merchant transactions of Rs. 32,254.76. I paid full payment of merchant transactions of previous month i.e. Rs 7174. Accordingly, lawful outstanding was Rs. 32,254.76. HDFC did not bill me any finance charges in this statement!

7. In the statement of Feb 2005, I had merchant transactions of Rs. 12789.5. I paid full outstanding of merchant transactions of previous month i.e. Rs 32255. Accordingly , lawful outstanding was Rs. 12789.5. However, HDFC billed me finance charges of Rs. 1550 but reversed previous months’ finance charges partially for Rs. 602.56. This clearly outlines double standards of HDFC. While they accept my dispute of joining fee and consequently, wrongful levy of finance charges and reverses the same but at the same time levy finance charges on outstanding finance charges during the current month for Rs 1550!!

8. In the statement of April 2005, I had merchant transactions of Rs. 3737. I paid full outstanding of merchant transactions of previous month i.e. Rs 12790. Accordingly, lawful outstanding was Rs.3737. In this statement HDFC reverses previously levied finance charges partially to the tune of Rs 799.71 clearly indicating my persistent strong protests and consequently, HDFC agreement to the same.

9. In the statement of May 2005, I had merchant transactions of Rs. 342. I paid full outstanding of merchant transactions of previous month i.e. Rs 3737. Futher, there was refund from Airline cancellation resulting in extra payment for Rs 1441. My net excess payment/ credit was Rs 1101.42 and accordingly, lawful outstanding after excess credit was Rs. 0 (I had to recover Rs. 1101.32). However, HDFC appropriated the excess credit towards the finance charges previously billed!!

10. In the statement of June 2005, I had merchant transactions of Rs. 6507.4. Since there was excess credit already, I was not supposed to make any payment. Accordingly, lawful outstanding after excess credit was Rs. 5405.98. However HDFC billed me finance charges again on previous outstanding finance charges for Rs. 390.2

11. In the statement of July 2005, I had closed my card and submitted application along with payment towards previous months merchant transaction outstanding of Rs. 5405.98 by making payment of Rs. 5409. It was getting too much to handle HDFC dispute month after month. Accordingly, I had paid Rs 3.02 extra. There is no lawful outstanding

12. Post my closure of card, you people continue to bill me for yearly charges and finance charges for non payment of finance charges, thereby accumulating some Rs 31000.

I have spoken to several managers of HDFC and all agree orally to my plea, but state that HDFC management rules prohibit them to make any consideration, even in lawful cases. HDFC believes in the philosophy of extracting money by putting customers’s name in CIBIL, thereby arm-twisting them for clearance of their name from CIBIL.That’s why HDFC has maximum number of consumer complaints. Its the worst bank to deal with.

Now as stated above, I have initiated steps to report this matter in media and also seek damages through consumer court, I would like to have a sensible reply / corrective action of clearing wrongful outstanding and clearing my name from CIBIL


Kind Regards
Gagan Hora
[protected]

on 01 april,i used my debit card to check balance.after entering the pin and choosing bal enquiry from the menu,nothing happened and a mesage was displayed that the card was retained .I had entered the right pin.
what could be the reason. this has caused great inconvinience and harrassment .Is the bank correct in doing this.can i complain against this?

I am holding HDFC Bank Credit Card more than 3 years.As per the oral comunication on phone with Mr.Amit Joshi executive of HDFC -Chandivali Division I had done setllement and made the payment.Every time for issuing chq to HDFC Bank for credit card was confirmed for the pending settlement amount with their representative who comes for collection and he has to call Amit Joshi and confirmed that now x amount is outstanding. So i asked for the letter in writing so he assured me that will receive after making final installement of settlement which was given to me on phone. So I have paid the final figures which they are given me on phone.But till today Havn't received any settlement letter and they started calling for further amount.On attemting their office -chandivali personally they told me that your settlement was postponed and now u have to pay all your dues and started calling & harrasing on phones . I was got BP & problems at office.This is nothing but a pure cheating from HDFC to the customers.

I have done a transaction to transfer Rs. X around 12:30PM on 31-Mar-2010, as per the RBI norms or mentioned on the website that any request before 3:30PM will be processed on the same day.

This transaction did not took place on 31-Mar-2010, when called the customer care on 01-Apr-2010 they mentioned the following:


1. Due to 31-Mar-2010 i.e. Year Ending process the transaction will get processed after 2 days
2. Not ready to register a complaint, as the money will get transferred within 2 days i.e. 03-Apr-2010 so the complain will be of no use as the complain takes 7 working days to attend
3. I requested to transfer back the money into my account so that I can withdraw the cash from ATM, so their is nothing to reverse back the transaction

My Query:

1. Does HDFC Bank work manually or do they have any computerized system?
2. Does NEFT process stops due to Year End? Any RBI official here to check on this.
3. Does HDFC Bank stops the NEFT process on 31-Mar-2010 to show the max deposit / profit to their investors on our money?
4. Why should they block the money of customers when they are not going to process? - the money should be blocked on the day the transaction is processed or transaction should be rejected at the bank's end if their is insufficient amount in the account.
5. On 01-Apr-2010 due to year end closing, the bank does not process ECS or do not charge the interest to customer?

RBI / HDFC officials please check the flaw in your system or provide correct instruction on NEFT/RTGS to customers so that they do not feel getting cheated by bank.

Please resolve my above queries and advise.


Thanks in advance,
Mridul

Hi ,

I had brought a HDFC children plan[protected] in 2009. An employee of Barasat branch (Sushanta) contacted me and informed that i would be refunded 30% of the 1st premium amount if i go this policy along with other gifts.
Till date he paid me back 6% of the 30% promised and is not answering the phones anymore. The Manager of the same branch is in no mood of cooperation and it seems they are doing this as a standard practice.

Complaint to the service desk didnot work complaint # HDFCSL=141-864.

While checking the policy documents , i notices they have used the cheque which i paid the first premium and then cancelled it somehow using improper practice.

I would like to get a refund of the entire amount of the premium.

Pls help

Thanks
Prasenjit

Dear Sir,

I have shopped for Rs 1000/- in JC brothers, Ameerpet on 30th Jan 2010 and paid through my debit card. I had checked my bank account statement on 3rd march 2010 and found that the amount has been credited twice. I have approached the merchant and he confirmed me that they have swiped my card only once and showed me the statement from axis bank which clearly shows against by debit card there is only one transaction showing. i have called HDFC phone banker on the same day i.e on 3rd feb 2010 @ 11.10 and informed the case. in the call the representative assured me that the amount will be re credited in 12 working days and also informed me that the complaint no will be sms to my mobile. but i never received any such sms from the banker. i have even folloed up two times in between aswell. Finally the banker had re credited my amount on 25th of march 2010 i.e after 50 days from the day of the complaint. when i have asked for the interest for the days of delay i had not received any response from them. As per me the banker has no right to hold my funds. Please advise.

Thanks,
Vamsi.

Non receipt of bank statement even after repetitive reminder to bank even not opted for email statement
Account No-[protected]
HDFC Bank Ahmedabad

This is a complaint in Reference to the below mentioned Loan Account.

Name : Ravinder Singh Rawat
Loan Account No.11223241
Type : Personal Loan
EMI start date : 07/04/2007,
EMI amount : Rs.2334.00

The EMI of Rs.2334.00 for the Month of April 2009 was not debited from my account [protected], even my account is having a balance was Rs.3426.25
and i had charge a Cheque bounce charges of Rs.33.00 on 15/04/2009.

As I confirm my Personal Loan account balance at Customer care (HDFC Personal Loan Team), they are asking me to deposit a balance of
Rs.3767.00 approx. (Rs.2334.00 Installment + Rs.900.00 Cheque Bounce Charges + Rs.533.00 Late Payment Fees)

Q. Why should i pay the Cheque bounce charges & late Payment Fees ?
When i am not responsible for the Non -Debiting of E.M.I.

My Account is Having sufficient fund to pay the EMI and it is HDFC fault that they had not charged the Installment.
and at the End of the Loan they are asking for another Rs.1433.00 for these extra payment is not justified.

I am attaching the Scanned copy of my Pass book that clears the Amount at the date,

Request you to Check the Matter and Waived off the Extra Charges Rs.1433.00 (Rs.900.00 Cheque Bounce Charges + Rs.533.00 Late Payment Fees),

I am Ready to pay the Balance EMI of Rs.2334.00 ONLY,

but request you to offer a letter showing the Corrected Balance and waiving off the Extra Charges,

and also request you to Provide the NOC in the Same respect.

Waiting for Prompt and Positive Reply from your side.
--
Ravinder Rawat

Dear Sir,

I had applied for HDFC credit card & I had message from bank that your credit card is delivered. As I am going for service early in the morning & return late night, my mother stay at my home during the day time.
It was told to me that Card is delivered through Express IT courier service & they will call you first & come to your home. But no call is received on my phone & at my residence.
Yesterday I got SMS that your card is returned. How this can happen ? Is this the way to give service to your customer? Please do the needful Deliver the card immediately.

I am out of station for atleast month for company work & return in first week of May. Please call at my residence before delievery.
The details are

Mandar Karandikar
EXPRESS IT AWB # H[protected]DT-20/03/2010

Regard,
Mandar Karandikar

i am a customer of hdfc bank since last eight months .my a/c no is [protected] .i am unable to access my netbanking till date with the given password.please do the needfull in this regard.


yours thankfully

y p singh

Complaint raised in HDFC bank ref # TF[protected]

I got Car Loan # 11120334 from your bank and cleared 31 months payments. Unfortunately six months back I lost my software job due to recession, so I'm facing so many financial problems and my entire family getting mental agony.

In this duration I was not able to pay five months installments, and I expressed this information to your local executives and said them that I was looking for final settlement and was asking them many a times for settlement, but they could not turned up. The local loan manager folks Mr Kiran and Mr Ananthraj Bhatt are trying to show their heroism and trying to use unparliamentarily abused language and not responding properly and they instructed some body-building agents to threaten me and my family and my property. However, they forcibly taken over my car lock from my hands, in this case, I approached to Jubilee Hills Police Station and lodged a complaint against them, even they are not caring to the Police Department also.

Please save our lives

Thanks,
Murali - [protected]

I have taken a 2 loan totalling 3 lacs from HDFC for an interest rate of 7.5 to 8% . Accordingly I had signed an agreement with HDFC for a monthly EMI of Rs.2868/-

Till date I have paid the said EMI of Rs.2868/- without fail.

But when inflation increased from 5 to 15 , HDFC had increased their interest rate to 13% from 8%.

Later inflation reached deflation of -2% from 15% , still HDFC did not reverse their increased interest rate from 15% .

Earlier HDFC had increased interest rate to all their customers , therefore I paid the increased difference.

Now MY COMPLAINT :

HDFC splits their customers into two 1) Old 2) New

For new customers they have reduced interest rates back to 8 to 8.75% whereas they insists old customers to pay 13% interest rates. WHY?

THIS SHOULD BE STOPPED IMMEDIATELY , INTEREST RATES SHOULD BE TO ALL HDFC CUSTOMERS IRRESPECTIVE OF OLD AND NEW .

REQUEST YOUR INTERVENTION IN THIS MATTER.

DURING LOAN DISBURSEMENT 4 NUMBERS OF BLANK CHEQUES WERE TAKEN FROM ME AS PRE EMI AND 12 NOS OF CHEQUES AS EMI. BY REFERING ONLINE STATEMENT OF CHEQUES, IT CAME TO MY NOTICE THAT HDFC HAS USED MY 2 BLANK CHEQUES AS PRE EMI AND 1 BLANK CHEQUE AS EMI WITH OUT TAKING MY CONSENT. AND STILL 1 BLANK CHEQUE NO. 103419 IS WITH HDFC. MANY ONLINE QUERIES WERE SENT TO HDFC MYSORE BUT NO RESPONSED RECIEVED.

1. Refer HDFC Insurance Policy No. 12697604.

2. Firstly, I had never applied for this insurance policy. However it consists of all my details and my signature (forged) as per the photocopy of the policy papers that I have recieved.

3. The company customer service claims that I had given an initial DD worth Rs. 50,000 for the policy which can only be claimed if I go through with the three year policy term and timely payment of all the remaining 5 installments.

4. I have the following grievances against the company-

(a) False documentation for the insurance policy and forgery of signatures.
(b) Persistent mails suggesting need to revive the policy at the earliest.
(c) No support to close the policy and assistance in finding the culprit who has raised the policy on
my name.
(d) No support to find out the sales executive who was instrumental in raising the policy.

5. The only deductions that I can sum up from my experience is that the company or its sales representatives have designed a nefarious way of luring the consumers into opting for the policy by forging documents and stating that an initial payment of Rs. 50000 has already been made so far thereby urging the consumers to make the entire payment.

6. On calculation of the entire benefits, it is evident that the so claimed initial investment of 50,000 (as claimed by the company to have been done by me) is not at all calculated and will not in any case be refunded.

7. Sir, Please assist me in finding the exact details as this type of forgery may entail major financial losses as my main salary account is in HDFC Bank which in itself is a sister subsidary of HDFC.
With Warm Regards
Anand

Hello,

I am Sarita Gandhi i had taken a policy from HDFC STANDARD LIFE INSURANCE in march 2009. My policy number is 12841183 and the premium amount is Rs 90000/-. Actually i have a complain against HDFC STANDARD INSURANCE that i have not recived any policy documents yet. I am not in a good mood and totally harrased by the company so i am sending this mail at this time because i am not able to sleep in the night because of this kind of stuff which i am suffering from last four month. I am forwading all the conversation which is going through their service department. I[censored] go through this mail you definetly know that at what all this going on. People dnt know how to talk with customer. As per IRDA law when the policy documents has not recived customer cancil the policy at any time. I dnt know what to right because i am suffering from mentally disturbance by all this stuff. Rs 90000/ is not a small amount for me. They lost my documents and said we had sent the documents on 13/04/2009 nd recived by MR B.S gandhani i dnt know who is he. I said to him please verify take your on time but same answer we had sent the documents. I also said that please check the sign there which is in pod and hire some signing expert and check the sign i pay for this but no answer. I belive that this time i definetly get a justice. PLease do the needfull and go through all the conversation.

Regards
Sarita Gandhi
[protected]
Policy no:[protected]




Dear,

Thanks for your reply and really thanks for making me fool for the last four month. As per the IRDA law when we recived the documents we cancil the policy within fifteen days but here i have not recieved any policy documents from your side.Now you see what i am going to do. And really want to say that i am not going to pay any premium because you people are such a liar.This few month is really a hell for me.

Regards
Sarita Gandhi
[protected]
Policy no:[protected]





[protected][protected][protected][protected]
From: "[protected]@hdfcinsurance.com" <[protected]@hdfcinsurance.com>
To: sarita Gandhi <[protected]@yahoo.com>
Sent: Wed, March 24, 2010 5:15:04 PM
Subject: RE:'HDFCSL=097-217' Policy No. 12841183


Dear Mrs. Gandhi,

We refer to your e-mail dated 27/01/2010, wherein you have stated your apprehension with regard to the free look cancellation of the aforesaid policy due to non receipt of the policy documents.

We apologise for the delay in resolving your e-mail complaint.

In this context, we would like to inform you that the policy start date was on 31/03/2010 and we have despatched the policy documents to your correspondence address on 09/04/2009 which was delivered on 13/04/2009.

We came to know that you have not received the policy document only when you complained in the month of December 2009 for the first time stating non receipt of the policy document.

We regret to inform that we are unable to cancel the policy in free look period, as the request should be submitted within 15 days from the date of receipt of the policy document. We have reprinted the policy documents and despatched to your correspondence address today, which you will receive shortly.

We hope to have addressed your apprehension.
Looking forward to a long-term relationship with you and assuring you the best of our services always.

Warm Regards,

Kausar
Customer Service Officer
********************************************************************************...⇄
For any further queries or clarifications, please contact us through any of the following modes:
Call us toll free on[protected]BSNL/MTNL) or[protected]Any Phone)
Send us a call back request- sms SERVICE to 5676727
Email us at [protected]@hdfcinsurance.com

Policy details are just a click away! Register for “My Account” on www.hdfcinsurance.com . Just provide us with your Client ID/Policy No., Mobile No. & E-mail ID & get your account activated!
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Regd. Office: Ramon House, H.T Parekh Marg, 169, Backbay Reclamation, Churchgate, Mumbai-400020

-----Original Message-----
From: sarita Gandhi ([protected]@yahoo.com)
Date: Saturday, March 06, 2010 01:27 AM
To: [protected]@hdfcinsurance.com ([protected]@hdfcinsurance.com)
Cc: [protected]@hdfcinsurance.com ([protected]@hdfcinsurance.com)
Subject: Re: Policy No. 12841183

Dear kausar,
Please Mr Gagan Anand Go through this mail and before all the conversations also atleast you definetly help me on this because know i am very depressed.

It has been already more than a week for last reply on my mail and more than Five or Six months 2 doing all this kind of stuff. You all are making me fool. Please let me know when i get my money back because its had been almost more than 11th month without any proof i mean no policy documents. I am not in a good mood seriously you are testing my patience. This is not good when you all are give my money back when i will die?This is totally a harrasment case dont force me to do something to take further step . and one more thing this is not acceptable all why i take duplicate documents when i have not recieved original documents by your side. I just want my money back.
I know you all are very rich people but this is not a small amount for me and my family also you should understand this.

Regards
Sarita Gandhi
[protected]
Policy no:[protected]




[protected][protected][protected][protected]
From: "[protected]@hdfcinsurance.com" <[protected]@hdfcinsurance.com>
To: sarita Gandhi <[protected]@yahoo.com>
Sent: Wed, February 24, 2010 2:58:34 PM
Subject: RE:'HDFCSL=097-217' Policy No. 12841183


Dear Mrs. Gandhi,


This is to confirm that we have received your complaint through e-mail and it has been registered under Complaint No. 93426.

We will get back to you with the resolution shortly.


We assure you the best of our services always.



Warm Regards,

Kausar

Customer Service Officer.

********************************************************************************...⇄ "TAX DECLARATION" is here..with "MY ACCOUNT" have no fear! Now print premium receipts at your convenience. To register-> click here-> https://cp.hdfcinsurance.com/CPWeb/

********************************************************************************...⇄
For any further queries or clarifications, please contact us through any of the following modes:

Call us toll free on[protected]BSNL/MTNL) or[protected]Any Phone)
Send us a call back request through SMS – sms SERVICE to 5676727
Email us at [protected]@hdfcinsurance.com or visit our website www.hdfcinsurance.com
Regd . Office: Ramon House, H.T Parekh Marg, 169, Backbay Reclamation, Churchgate , Mumbai - 400 020, India.
********************************************************************************...⇄

-----Original Message-----
From: sarita Gandhi ([protected]@yahoo.com)
Date: Tuesday, February 23, 2010 12:39 PM
To: [protected]@hdfcinsurance.com ([protected]@hdfcinsurance.com)
Subject: RE: Policy No. 12841183

Dear Kausar

first of all thank you very much for reply but again i must say first i contact you on 22/02/2010 after that you replied me on email lets forget it. I am sending that indemnity bond which i submitted to your vikas puri branch on 03/12/2009 to mr anil rawat and yes one more thing i just want to share with you this is my last mail to you and i want positive reply in a week only because it has been 11 months i took the policy and i have not received the documets yet. please dont force me to take any legal action. I am very depressed now really very depressed.And last but not the least why i take duplicate bond when i have not recived any original documents from your side. I just want my money back. my money back.

Thanks
Sarita Gandhi
[protected]
--- On Mon, 2/22/10, [protected]@hdfcinsurance.com <[protected]@hdfcinsurance.com> wrote:


From: [protected]@hdfcinsurance.com <[protected]@hdfcinsurance.com>
Subject: RE:'HDFCSL=097-217' Policy No. 12841183
To: "sarita Gandhi" <[protected]@yahoo.com>
Date: Monday, February 22, 2010, 7:21 AM


Dear Mrs. Gandhi,


As per the telephonic conversation held today (22/02/2010) with Mr. Kewal Krishan Gandhi, we would request you to e-mail us the scanned image of the Indemnity form which you submitted at the HDFCSLIC Branch.

We assure you the best of our services always.



Warm Regards,

Kausar
Customer Service Officer.

********************************************************************************...⇄ "TAX DECLARATION" is here..with "MY ACCOUNT" have no fear! Now print premium receipts at your convenience. To register-> click here-> https://cp.hdfcinsurance.com/CPWeb/

********************************************************************************...⇄
For any further queries or clarifications, please contact us through any of the following modes:

Call us toll free on[protected]BSNL/MTNL) or[protected]Any Phone)
Send us a call back request through SMS – sms SERVICE to 5676727
Email us at [protected]@hdfcinsurance.com or visit our website www.hdfcinsurance.com
Regd . Office: Ramon House, H.T Parekh Marg, 169, Backbay Reclamation, Churchgate , Mumbai - 400 020, India.
********************************************************************************...⇄

-----Original Message-----
From: sarita Gandhi ([protected]@yahoo.com)
Date: Thursday, February 11, 2010 09:43 PM
To: [protected]@hdfcinsurance.com ([protected]@hdfcinsurance.com)
Subject: Fw: Policy No. 12841183

Hello,
It has been almost 14 days but no reply from your side. when i get my money back.

Regards
Sarita Gandhi
[protected]
Policy no:[protected]



----- Forwarded Message ----
From: sarita Gandhi <[protected]@yahoo.com>
To: "[protected]@hdfcinsurance.com" <[protected]@hdfcinsurance.com>
Sent: Wed, January 27, 2010 11:12:28 PM
Subject: Re: 'HDFCSL=097-217' Policy No. 12841183


Hello,
In reference to your mail i want to make very clear i have deposited the indeminty bond to your vikas puri branch on 3rd december 2009 and i have the recieved copy of the same with me so i wont give indemnity again.I dnt want my policy documents i just wish 2 know when would i geting my money back. I am not at all satisfied with services of the company after spending my Rs 90000/- i am still running 2 get my documents and i am very much harrased. Again my personal request to you please cancel the policy.And one more thing i want to clear you. My permanent and my correspondence address is same its "17-A Pkt B vikas pure extn. delhi-110018. Thanx a lot for replying me.Atleast you understand the state of mind which i am passing on. Please last time i am going to request you CANCEL THE POLICY AND REFUND MY MONEY.
Thanks for your support.

Regards
Sarita Gandhi
[protected]
Policy no:[protected]



[protected][protected][protected][protected]
From: "[protected]@hdfcinsurance.com" <[protected]@hdfcinsurance.com>
To: sarita Gandhi <[protected]@yahoo.com>
Sent: Wed, January 27, 2010 11:36:05 AM
Subject: RE:'HDFCSL=097-217' Policy No. 12841183


Dear Mrs.. Gandhi,

We apologise for the delay in resolving your email complaint.

We refer to your email complaint dated 14/01/2010, wherein you have stated your apprehension with regard to non receipt of policy document.

In this context, we would like to inform you that we had despatched the policy document to your correspondence address via Overnite Courier on 09/04/2009, which was delivered to Mr. B. S. Gandani on 13/04/2009 at 12:12 HRS.

As you have not received the same, we would request you to submit the Indemnity form (attached below) along with the copy of this email at any of our HDFCSLIC Branch.

On receipt of the same, the policy document stamped as 'duplicate' will be sent to your correspondence address bearing the original terms and conditions.

Kindly visit our website www.hdfcinsurance.com for branch locations and their addresses.

Further, as per confirmation from Mr. Anil Rawat (Operations Officer - HDFCSLIC Vikas Puri Branch) he received only the Complaint Letter and did not receive any indemnity from your end.

We hope to have addressed your apprehension..


Looking forward to a long-term relationship with you and assuring you the best of our services always.

Warm Regards,

Kausar
Customer Service Officer.

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-----Original Message-----
From: sarita Gandhi ([protected]@yahoo.com)
Date: Thursday, January 14, 2010 04:09 PM
To: [protected]@hdfcinsurance.com ([protected]@hdfcinsurance.com)
Cc: [protected]@hdfcinsurance.com ([protected]@hdfcinsurance.com)
Subject: Fw: about my policy documnets 12841183





----- Forwarded Message ----
From: sarita Gandhi <[protected]@yahoo.com>
To: [protected]@hdfcinsurance.com
Cc: [protected]@hdfcinsurance.com
Sent: Thu, January 14, 2010 3:35:25 PM
Subject: about my policy documnets 12841183


Hello,

This is bring your kind notice that I Sarita Gandhi taken a policy in march from your company. My policy no. is " 12841183". I complained so many times that i have not receive any policy documents .I said so many times that i have not received documents to your manager but after no response then i contact customer care on "24th nov 2009" and before also then some person said documents has been delivered to your home you must have get it 2 to 3 days. After a week i again contact your customer care then someperson said " we have not delivered the policy documents yet we have take to decision there is so miss communication" then i thought whats going on i asked 2 him what i do....the person said go to any nearest branch and full fill some formalities.Then i contact your vikas puri branch there is some anil rawat i asked to him where is my documents but same ans "dnt knw" then i had done some formalities like indemnity form and gave a complain letter. After 1 week i have no response from there i had gone to your paschim vihar branch to give a letter for cancil the policy they also dont knw where is my documents. After few days when i visited to your branch then i knw that some Mr B.S Gandani received the documents i dnt know from where he came into the picture again i am very surprised from your services when i went to your branch then i knw otherwise no information from your side .But i confirm you that I dont knw who is he.I dont know why you are doing all this kind of noncence. Do what you want any verification we are ready for that.
I am totally HARRASED, MENTALLY & PHYSICALLY disturbed. You people must have deducted many charges for the policy servicing. You people please check your services. I am not liable for the lost of policy document..
Last but not the least..please do the needfull & reverse my money back as soon as possible otherwise i have to take further steps.
Rs 90000/- is not a small amount for me atleast this time i trust on you and get full justice. I just want my money back.

Thanking you
Sarita gandhi
[protected]













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DISCLAIMER The information contained in this communication is intended solely for the use of the individual or entity to whom it is addressed and others authorized to receive it. It may contain confidential or legally privileged information. If you are not the intended recipient you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this information is strictly prohibited and is unlawful. If you have received this communication in error, please notify us immediately by responding to this email and then delete it from your system. HDFC Standard Life Insurance Company Limited is not liable for any improper and/or incomplete transmission of the information contained in this communication or for any delay in its receipt or for any damage caused by malicious code or alteration by any third party. The contents of this email do not necessarily represent the views or policies of HDFC Standard Life Insurance Company Limited
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Please do not print this email unless it is absolutely necessary

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DISCLAIMER The information contained in this communication is intended solely for the use of the individual or entity to whom it is addressed and others authorized to receive it. It may contain confidential or legally privileged information. If you are not the intended recipient you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this information is strictly prohibited and is unlawful. If you have received this communication in error, please notify us immediately by responding to this email and then delete it from your system. HDFC Standard Life Insurance Company Limited is not liable for any improper and/or incomplete transmission of the information contained in this communication or for any delay in its receipt or for any damage caused by malicious code or alteration by any third party. The contents of this email do not necessarily represent the views or policies of HDFC Standard Life Insurance Company Limited
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Dear sir

I am holding credit card of HDFC Bank [protected] of name Subhashish Bhattacharya .I have always ensured that all the payments are being made on time till February 2010. I am using this card for the last three years.

Since last month I have been undergoing some financial crisis and hence requested the customer care to freeze the whole amount and instead of paying the minimum amount due, to pay the rest amount in EMI's not more than Rs 3000/-.

The executive and the manager told me that once I make the payment of
minimum amount due for the month of February 2010, all the late fees, interest would be waived off and then only they can turn the whole amount in EMI. Once I make the payment they will get back to me within two days. But nobody got back to me with the details.

This month again I have started getting calls from the collection department. The executive name is Avijit
Banerjee. He calls from the number[protected]. Intially he used to call me 3 -4 times a day and asked for the payment. But off late he is calling me 20 -30 times a day and if I do not response to the call he keeps on calling. He is abusing me and going to the extent of my fore fathers. He uses all kind of vulgar and abusive languages. He has amde comments on my caste.

He has also mention that on my payment his appraisal and incentive is depending hence he will take out the money from me, for that he can go to any extent.

The appartment I stay as a tenant he has called up the neighbour next door and while the gentle man was not home his wife who is bed ridden as she is paralyzed had answered the called , Avijit was not only abusive to this sick and elderly couple, but had threatened them also with dire consequences and was asking money from them also.

He again called me back and said he would be keep calling in this manner and will also called up my office and all the possible contacts he can managed and make my life miserable. He said he will ensure that I am not able to enter my apppartment. He has catergorically said that he has taken it as a personal challenge and will ensure that within 24 hrs my life would be an hell. I would left with only two option which is either to end my life or to walk to him on my knees and begging for forgiveness,

This is not a way somebody should be treated. I am not saying that I am not going to make the payment , Its just that I am not able to pay the huge interest amount right now. Hence want to freeze the amount and pay back in EMI's not more than Rs 300 / month.

Would request you intervention at the earliest and resolve this issue as me and my family is in mental trauma just because of the collection executive Avijit Banerjee calling from the number[protected] from Kolkata Branch. His manager name is Anindita Basu mobile number [protected].

Subhashish Bhattacharya