[Resolved]  HDFC Bank — alteration on cheque

Address:

Mumbai, Maharashtra, Mumbai City, Maharashtra, 400061

My association with HDFC Bank was almost 15yrs or More and this is what you get in return
I pay all my credit card bills on time which they also agree. In Nov 2018, that was my last emi for the credit card.
In October 2018, I was offered a personal loan on the basis of my records related to my credit card, without any guarantee. I accepted the loan as I was looking for one. The marketing executive very clearly mentioned I won't be charged for any late fees and my limit for credit card also will not be affect since it was from the same Bank
So now I have to repay for my credit card and my personal loan against the same credit card scheme

This could be slightly confusing but I will try and make it as clear as possible

In the month of Dec 2018, I get a call from the Bank asking for my EMI cheque for Nov' 2018, which i already had made. I refused to release the fresh cheque, without letting me know the reason, Bank started hounding me after a major hot conversations I asked for my previous cheque which I had deposited earlier, they said the cheque got bounced coz there was alteration done, i immediately called up my Bank and started firing them, that what made them to return my cheque. After inquiring my bank send me the screen shot of the statement where it shows, The "cheque was not presented only in my bank". What a liar hdfc is unnecessarily wants to make money
Finally I get the cheque in my hand with alteration done on the cheque and the Bank was blaming me for the same. The Bank started sending me statement with add on late fees and penal charges which I refused to pay and started getting threats from recovery agents.
Hear this out very interesting i paid my last EMI and still hdfc bothering me for the same payment which i already had paid, without any knowledge the recovery agents calling and giving mental torture's, even after explaining them everything. Brainless Creatures.