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[Resolved]  HDFC Bank Personal Loan — Complaint regarding EMI


I took personal loan worth 1.5 lakhs from HDFC bank in Oct 2008 till date I'm paying EMIs on time. HDFC bank is taking EMIs from my ABN AMRO bank instead of HDFC account. But DEC '09 EMI returned back to my ABN Amro account stating "RETURNED:410975:NO SUCH ACCOUNT" and the "INWARD ECS RETURN CHARGES" has been levied on my account. When the money is in my account then why should I pay inward ECS charges?

I need help what to do about this, I have registered complaint with ABN Amro bank as well as HDFC bank but not getting possitive response. Please advise as it is a mental harrassment.

Archna Benjwal
Complaint marked as Resolved Aug 14, 2020
Complaint comments  2 CommentsShareTweet


Personal Loan — return EMI

Dear Sir,

with ref. to the above my personal loan a/c no.15559526 I have already paid your Loan A/c as per your Executive get amout. in Nov.2010 amount details is
cash rs.570 & DD of rs.20700 total amt.21270. but your bank dedected my EMI so PLEASED RETURN MY EMI WITH INTEREST AND MY POST DT.CHEQUE.


Personal Loan — Regarding personal loan

I Pudi SrinivasKumar was taken a personel loan in Hsbc bank Asilmetta Branch visakhapatnam on[protected] and upto[protected] i have paid the instalements regarly.After that the bank has stopped collecting the instalement due to some court orders raised by the Government on Personel loans and I have not received any information about the status of my personel loan.Recentily some private organisation named EMRON Securtues pvt Ltd approched me and ask me to clear the loan taken from Hsbc.Iam ready to clear the loan and I asked the said private organisation to get a letter from Hsbc about the loan clearance or any other authorisation to collect the loan on behalf of Hsbc to the said organisation.But till today they have not approched me with the information.I approched Hsbc bank regarding Emron securities pvt ltd.But they said they are not given any authorisation for collection of loans.I talked with the Manager Hsbc by phone regarding the loan payment.He told me to pay the amount to above mentioned agency only.But without having proper authorsationand information from the bank I dont want to pay to the private agency.And also Iam here to inform you that delay in repayment is due legal problems of the bank only.So Iam no way affected with the delay in payment.Recentily I approched a bank for car loan they are stating that my name is kept as a defaulter consumer loan in cibil report.Even though the delay is completely bank legal problem and it affected my financial status and kept me as a defaulter in cibil report.
So Iam here to request you to go through the facts and remove my name in cibil report.Iam ready to clear the loan amount only through proper channel to the bank.

thanking you,
MY mail id is pudi.srinivas.[protected]

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