[Resolved]  HDFC Bank — harassment calls from agents especially need shine

Address:

Yashwant Gaurav, Blueberry, 401203

Good afternoon sir
My name is bhumika kapadia i am holding a credit card from your bank since 2 years. Sir my husband has lost his job since 2 years. I am the only one who is earning at my home and from past 2 months axis bank has put my account in lean of -1, 25, 000 due to which my salary credited in my account has gone in lean. I don't have money for survival also sir. I have a daughter who is just 3 years old and mother in law who is a heart patient. I have already informed about all my problems to your collection agency people but they are not ready to listen and shouting at the top of their voice on calls. Her name miss is shine and her number is [protected]. She is very rude and her tone is very loud we are trying to talk softly with her but she is not ready to listen and talking abusively. We are the customers who wants to pay the debts but are screwed up and no one is listening to us. This is my humble request to you to take strict action against them. According to rbi guidelines they are not supposed to send officers on sunday at home and clal the customers on sunday but she is doing that. Also she is saying that she will send the officer in my school but sir that will hamper my job and if i loose my job i will not be able to pay anything. And it's not that we are not paying at all we have been paying from last two months. But now i won't be able to pay more than 2000 per month. I request for a positive reply from you. Thank you.
Please take strict action against miss. Shine mobile number is provided. I even have recording of her talking rudely on the phone

Rbi rules:
(Iii) fair practices in debt collection

(A) in the matter of recovery of dues, banks / nbfcs may ensure that they, as also their agents, adhere to the extant instructions on fair practice code for lenders (Circular dbod. Leg. No. Bc. 104 /09.07.007 / 2002–03 dated may 5, 2003) as also iba’s code for collection of dues and repossession of security.in case banks / nbfcs have their own code for collection of dues it should, at the minimum, incorporate all the terms of iba's code.

(B) in particular, in regard to appointment of third party agencies for debt collection, it is essential that such agents refrain from action that could damage the integrity and reputation of the bank / nbfc and that they observe strict customer confidentiality. All letters issued by recovery agents must contain the name and address of a responsible senior officer of the card issuing bank whom the customer can contact at his location.

(C) banks / nbfcs / their agents should not resort to intimidation or harassment of any kind, either verbal or physical, against any person in their debt collection efforts, including acts intended to humiliate publicly or intrude the privacy of the credit card holders’ family members, referees and friends, making threatening and anonymous calls or making false and misleading representations.