[Resolved]  HDFC Bank — Harrasment by HDFC despite regular EMI payment

Address:

Mumbai City, Maharashtra

Sir, I ANIL KAUL, having address Flat no. 304, A wing, Building - Eden -2 Hiranandani Garden, Powai, Mumbai 400076 submit to you under :- 1). I had availed the Car loan from HDFC Bank, Mumbai in the year 2010, Car Loan Account no. 16339896. Initially, as per the terms and conditions of the said car loan, I agreed to pay the EMI of Rs. 7, 716/- by mode of ECS from my SB Account No. [protected] with HDFC bank. 2) Thereafter, I found that there were several unauthorized debit entries in my SB Account even though there was a sufficient fund in his SB account. 3). I number of times had pointed out an authorized debit entries in his SB Account to your officers and requested them to reverse the same. Of September 2011 In the 2nd week received a call from your officer one Mr. Avinash Mahajan –mobile number [protected] and on his suggestion, I changed the mode of payment to EMI from ECS to PDC cheques and also agreed to pay the remaining balance EMI of Rs. 6, 761, by pay order, after adjusting Rs. 955 wrongly debited to his SB Account. 4). Pursuant to discussion and suggestion of HDFC Bank representative, Mr. Avinash Mahajan, I handed over the Pay Order no. 00900 dated. 28.09.2011 issued by ICICI Bank of Rs. 6761, two cheque no. 172077 and 172078 of Rs. 7, 716/- both dated. 04.10.2011 and 05.10.2011 towards the payment of two pending EMI payment of the said car loan and 19 (Nineteen) cheuqes nos. 172079 to 97 of Rs. 7, 716/- each towards remaining EMI of the said Car Loan on 28.09.11. HDFC officer Mr. Deepak had acknowledged the letter dated. 28.09.2011 evidencing the receipt of aforesaid pay order and cheuqes towards payment of EMI of client’s said car loan. 5). Thereafter, after a couple of days another bank official called up to my client intimating that Mr. Avinash Mahajan had wrongly advised you to issue 19 PDCs instead of 17 .He also informed that one old installment is shown pending in the bank system and that is to be paid through pay order to make everything updated . I followed instructions of HDFC Bank officer in good faith and handed over pay order no.084301 dt.29.11.2011 for Rs.7, 716/=to your visiting representative on 30-11-11.The two extra PDC bearing Nos. 172096 and 172097 were also returned to my client . As I issued cheques/pay orders as per your officers’ suggestion, I was under an impression that all the things are going on well because his none of the cheques were got dishonoured. On 04.04.2013, I got call from your bank officer saying that his EMI is pending towards his said car loan. I became surprised because none of my cheques were got dishonoured and hence I wrote an e.mail dated. 31.12.2013 called your officer to provide the details of his pending EMI and statement of account of the said car loan. 6). Pursuant to my request, HDFC bank sent the statement of account for a period from 17.03.2010 to 01.01.2014. Upon perusal of statement of account, it is found that the payment under Pay Order no. 00900 dated. 28.09.2011 & 084301 dt.29-11-11 issued by ICICI Bank of Rs. 6761 & 7, 716 respectively have been duly received by you on 30.09.2011 & 30.11.11. Also found that the payment under two cheque no. 172077 and 172078 of Rs. 7, 716/- both dated. 04.10.2011 and 05.10.2011 towards the payment of two pending EMI payment had been duly received by you on 20.10.2011. Further found that from 05.02.2012 till 05.03.2013 HDFC Bank got realized all the cheuqes nos. 172079 to 172095 in respect of his said car loan. 7). In spite of a various requests by orally and in writing by email, I was my client had denied the unauthorized debit entries and further called upon to provide the details of pending EMI as alleged by you in HDFC statement of account dated. 01.01.2014 but they have failed to provide the same. 8). HDFC bank vide alleged letter dated. 03.02.2014 called upon to pay the alleged dues as mentioned therein in respect of his said car loan. I say that as per the specific discussion and suggestion of your bank officer, Mr. Avinash Mahajan, I had decided to change the mode of payment by PDC cheques and handed over to him pay order and all the cheques in respect of his pending EMI of his said car loan as mentioned in letter dated. 28.09.2011. Further, all payment in respect of Pay Order and all the cheques as mentioned in letter dated. 28.09.11 were duly received by HDFC bank from time to time and hence there is a nothing due and payable. 9). HDFC bank sent a letter dated. 03.02.2014 to me with a malafide intention to harass him and grab more and more money in the name of pending dues. My Client further say that the said demand of Rs. 21, 896/- under your letter dated.03.02.2014 is a illegal, bad in law and not accepted. 10). That in the circumstances, kind intervention of CNBC Pehradar is requested to take up the matter with HDFC Bank on my behalf to withdraw the allegation made against my client in the HDFC bank letter dated. 03.02.2014, and help to find amicable solutions of my problem created by the negligence of the HDFC bank officials. Yours truly, (ANIL KAUL) +91 [protected]/[protected]