[Resolved]  HDFC Bank — Harassment by HDFC Bank Recovery agents

Address:

Mumbai City, Maharashtra

Dear Sir/Madam, My name is Narendra R singh. I had a personal loan from HDFC Bank in the year 2011. Unfortunately I am missing out my Loan Account Number right now. I apologize for the same. My loan was for tenure of 48 months. Out of this, I have cleared nearly 30 EMIs without an default. But my last 6-7 installments are unpaid as I became completely bankrupt in recent days. I had been having very tough days all through even though I was paying some amount regualrly. But Mr. Brijesh Mishra and mr Prashant from HDFC Collection Department is frequently calling up my sister, my wife, and all my relatives and abusing for repayment purpose. Though I had been requesting him for few days/months as I start making payments, he does not want to listen to anything. He has started doing mental torture to my family members includind minor son by calling any time to hime on his mobile and mentally harassing threatning him saying your father will be no more if your father doesn’t make payment in next 3-4 days.. My point is when I am in touch, why these collection people do such harassments by calling up family members and offices and abuse? I am not a criminal. It is just that suddenly my financial conditions have gone extremely down. Does this mean that these people will start abusing in rough language? why do they force my family member and by doing mental torture? These two person mr brijesh mishra and mr prashant from Kanjur marg area shouting at bmy building premises by calling down some people from building and abusing tme and my wife and children. Mr brijesh mishra comes to my house during afternoon session and harras mentally my wife by sitting infront of my door and continuously knocking door every 2-3 minute and using unlawful language to my wife and putting some unethical remark saying “aapko to koi bhi paise desakta aap maange dekhiye”.Is this the way they need to fulfill their targets? What are their reporting authorities doing then? It seems that there is no value of my clearing all previous 30 EMIs. I was associated with HDFC bank for 18yrs.Previously in 1996 I was having HDFC Home loan that fully repaid and there after I was having personal loan in[protected] and that also fully repaid. This was my relation with HDFC BANK.But due to above two person I had closed my bank account. A normal person can have sudden financial problems. Anybody in this whole world can face it. But does that mean these people from recovery agencies will act in these ways? Is there no value of human honesty ? If no one takes action, where will a normal person go? I have told them as soon as my financial crisis over and I will get some money I will start making payments, and that is for sure. Still, why do they call up and abuse the family members when the customer is available? I have never tried to default willfully, neither have I ever tried to escape from the scenario. Then why can't I expect help from the banks? Mr.Brijijesh Mishra and Mr Prashant, a recovery person from an agency appointed by HDFC Bank has really made the life of my whole family a hell. His contact no. is [protected] / [protected]. These people are probably given targets for completion, for which they go till the extreme level. I agree that they’re doing their job, but is this the way to do recoveries, mainly from people who are already in a dreadful financial situation (e.g. myself)? He has been threatening me and my wife every now and then. When I complained in HDFC, he again called up my wife and asked why did I complaint? What sort of behavior is this ? Is there no treatment for such things? Then I made complaint at Bhandup Police station for all thre act. At my part, I going to get some fund near short period. Thus I am sure that I will finish this delinquency within no time. But if these sort of elements starts disturbing in such a way, how can we have a mental peace? I am sorry to ask a question, that who has given them the right to call up the family members and abuse when I am already available? Will some action be taken against this? Can we have a better peaceful situation so that I can easily clear my outstanding? I have willfully shared my all contact number with them. I have complete faith on the bank that it will take appropriate decision and action, . Please consider this as very urgent. Regards Narendra R Singh [protected]@yahoo.co.in