[Resolved]  HDFC Bank — Illegitimate charges by HDFC Bank (Loan Account No:[protected]

Address:

Khordha, Odisha, 751024

Hi,

To start with, it was the biggest mistake of my life to take personal loan from HDFC Bangalore. HDFC financed loan amount of Rs 55, 000 on 23/04/2014 (Loan Account No:[protected]. Due to signature mismatch, ECS mandate was rejected and due to my household issues I could not follow to resolve the matter till 15th May 2015 and by then I had already been levied with cheque bounce charges. But I did clear the payments through "Bill Desk" and bill desk never allows the customer to make payments on the due date. Hence the late fee charges which you have levied is illegal.

On 15th May 2015, I went to Citi bank and got my Signature verified. Also, submitted a copy of verified signature with the HDFC bank, Sahakarnagar Branch, Bangalore. The ECS mandate was approved and the loan amount of Rs 1266 towards Personal Loan Account Number : 27867221 went through. For your reference, find the Cheque Serial number which was cleared provided below

Cheque Serial No: E27867221/13-2 Dt:04/06/2015 Amount: 1266 (NOTE: You can verify the same in the Loan Account Statement (Section: List of PDCs Cleared) which is attached to the mail)

As per mail trail, when I complained for the first time, an amount worth Rs5690 was waived off but that's not reflected anywhere in the loan account statement. I am not satisfied with the level of solution provided.

My concern is, why HDFC is charging me even after the ECS mandate has gone through since 04/06/2015 and also late payment charges. All these charges are not legitimate. Requesting to look into it on priority and provide a satisfactory solution to proceed further. I would appreciate a speedy response.
Now they have put me a fine of Rs 10000 where as my loan amount is 55000, where i have not done any mistake . It is really unacceptable.

In spite of sending mails, there is no response from HDFC. There is no proper number also where we can get in touch with them. Never expected such pathetic disappointing customer service from such a reputed bank like HDFC. There is no one to help me from the bank making my life more miserable.