[Resolved]  HDFC Bank — dod account

Address:

110065

Dear sir;

This is in regard to our overdraft account no. [protected] in your lajpat nagar ring road branch ; which we had been operating with your bank since june 2012. We wish to bring to your kind notice that when we opened this account in 2012 it was confirmed to us that there will be no fixed charges for operating this account (Schedule 1 of loan agreement dtd 18/06/2012) but since april 2016 you had been charging rs.5000/- plus taxes on quarterly basis as non usage charges apart from agreed annual maintenance charges of rs.3000/-. We were very surprised & had requested for reversal of these charges but it was told to us that from now onwards these charges will be applicable & nothing can be done on this.

We were not needing these funds & were using these on very few occasions; but were forced to pay the non usage charges on quarterly basis. So we decided to get this overdraft limit closed & in this respect we had mailed to mr. Vijay pal (Relation ship manager from hdfc to our account) on 31st aug.2018 (Please go through the trail mail in this respect). Mr. Vijay pal gave a number of mr. Rahul & told us that he takes care of the loan department / od accounts. We had been regularly following up with mr. Rahul about this; but there was no response from his end. After repeated requests & reminders after approx. 75 days it was informed to us that we have to get some papers signed & we have to visit your sarojani nagar branch. After confirmation mr. Atul girdhar visited there, but it was told to him that they don’t deal with this & papers can be collected from janakpuri office.
Again we started checking with mr. Rahul that from whom we have to collect the papers of our property; than mr. Rahul informed us that we had to again go to sarojani nagar branch to get some foreclosure papers signed. After again going to sarojani nagar ; mr. Manish suri (Customer care executive) handed over a document which stated a foreclosure charges & annual maintenance charges amounting to rs. 44942/-
We had been customer of hdfc bank limited for last more than 15 years & have our all saving & current accounts running with your bank & get regular calls from bank stating that we are preferred customer of your bank ; but the kind of service & response we had got this time from your team is very pathetic & unprofessional.in case you treat your preferred customers like this than we really pity with general customers.
We are feeling cheated by hdfc bank limited; as you had been charging us for non usage of limit & now when we wish to withdraw this limit you are charging an hefty amount of rs.44942/- which is not at all acceptable to us.
We request to kindly with draw these foreclosure charges & maintenance charges & accordingly withdraw this overdraft limit from our account ; otherwise we will be forced to take up the matter with consumer forum.
Waiting for your favourable response in this regard

Thanks & regards

Atul girdhar
Director
Mob. No. [protected]
Av vishwa enterprises pvt. Ltd.
Unit no. 42; tribhuvan complex;
Friends colony west ; main mathura road;
N. Delhi –110065
Tel. No.[protected]/02/03