HDFC Bank Complaints & Reviews

I have not received yet the paid up policy refund amount as the said policy No 12161644 in the name of Mrutunjaya Basavaraj Gajare. Commenced on 11/09/2008.Since the the said policy has been discontinued, There is no response for my previous complaint and also for my application letter dated - 25/08/2013. Ihave submitted the copy of application to you in my previous complaint. I request you to return the amount immediately.

Hi, I went to HDFC Bank Credit card H.O today which is located at Richmond road, Bangalore to speak about my card overdues. After looking at my payment history I decided to settle my card. Bank people gave me one amount for settlement but I convince them that I dont have that much of amount to pay and I told them some amount (Suresh who was the Bank Executive and he said that bank will not agree for such amount and then called his Senior named Tilak (I think he was Goonda before joining HDFC) then he said we have to settle that amount, and I said due to unexpected finacial condition it was not possible for me to pay that much of amount. Then Tilak HDFC Goonda started shouting at me and my brother. You know how he was behaving like a Gonda, who don't have any respect for customer. My brother asked him why is he shouting and then again shouted and told us do whatever you can he will behave like that only and he was about to fight with my brother. You know this all happen in small torture room, which was really pathetic. With this experience, I will never do transaction with HDFC and will also share this issue with my family and friends. Can any one look at this and let me know what best can be done with this issue. In the meanwhile I have sent this message to the Bank legal department as well.

I ANIL KUMAR .K, POLICY NO[protected] . Now due to my personal money problems I want to close this policy so i approached palakkad branch, their behaviour is so rude & now they told me that I have get only a small amt of what i had paid because the market price is down & even the surrendering charges i had to pay but these were not the words at the time of commencement of policy .The company representative an agent and even the branch manager assured me a good maturity amt whenever i withdrew & they also didnot tell me that my policy is based on market iam totally unaware of it, this is really UNJUSTICEABLE, please dont play tricks with the human nature for selling your mere policies.NOW AT THIS POINT OF TIME WHEN I NEED THE MONEY MOST I WANT MY MONEY BACK ATLEAST THE AMT WHAT I PAID AS PREMIUMS, OTHERWISE I HAD TO KNOCK THE DOOR OF CONSUMER COURT BECAUSE YOU HAVE LEFT NO OTHER OPTION FOR ME.HOPE YOU WILL CONTACT ME AT THE EARLIEST MY CONTACT NUMBER IS -[protected]. YOU SHOULD MAINTAIN THE GOOD RELATIONSHIP WITH THE CUSTOMER LIFE LONG THEN ONLY HE CAN BUY POLICIES FROM YOU & EVEN TELL HIS WELLWISHERS ALSO ., IF HE/SHE HAD A BENEFIT FROM YOUR POLICY THEY WILL SURELY CHOOSE YOU FOR THEIR NEXT POLICY BUT UNFORTUNATELY & PRATICALLY SAYING THIS IS NOT THE SCENARIO YOU ARE DOING IT NICELY ONLY IN SALES PROMOTONS MEETINGS & IN VISUAL MEDIA, NOBODY WILL BUY YOUR POLICY MERELY WATCHING AN ADVERTISEMENT IN T.V."DON'T UNDERESTIMATE THE POWER OF COMMON MAN"

Dear Sir, Summary: Please note the following facts below, which point towards a possible Ponzi Scheme being run on the HDFC Bank/Life Policy holders. At the onset I took the incidents as cited below on their face value as genuine but on thorough investigation and after speaking to IRDA(Ms Nisha @ 155255) and HDFC PGRO(Mr Roland @[protected], it seems that this a very serious matter where in: a). The Private information about HDFC Policy holders is being leaked/accessed(this is information about Policy Numbers and Phone Numbers) b). Policy Holder has been misinformed that the said value of investment in HDFC has depreciated considerably. c). That HDFC has unethically invested policy money in Market, d). That Third party product should be bought by investor to break even on the Investment. Policy Information: Policy Number:[protected] Policy Holder: Mr Anil Kumar Saxena Policy Type: HDFC Life Personal Pension Plan- Regular Premium Policy Bought on:[protected] Policy Premium: Rs 10, 000 Per Annum(Aprox) Paid so far: Rs 1, 10, 100(Approx) INCIDENT: The stated facts are as per their chronological sequence 1). I, Anil Kumar Saxena, holder of policy above, received a phone call on[protected] on my Landline Number, from a person mentioning, he was speaking from some Government Insruance Monitoring Body. He mentioned my Policy Number and asked me following questions to which my answers are also mentioned è Q: Are you receiving Account Statement for the said policy from HDFC? A: No I have not received this for last 10 years è Q: Were you informed that HDFC Bank is using your money to invest in Share Market? A: No, and although as per my knowledge Pension Plan money should be invested in Share Market. To this the Call Center Person said that they are going to lodge a complaint with HDFC Bank for mishandling my fund and that the HDFC Bank will resolve my complaint and refund my money with interest. He gave me complaint ID:[protected]. He took my Mobile Number as alternate contact number. 2). I received a Phone Call on[protected] from Ms Soni Sharma, who said she was Manager with HDFC Bank in New Delhi. This call came from [protected]. She said the following things: è I am sorry that your agent did not inform you that this money will be linked to Share market due to which my return on investment will depend on Share Market. è I am sorry to inform you that you Fund Value today is Rs. 71, 880, although you have paid Rs 1, 10, 000 to HDFC so far. è If I had opted for my Investment to be linked with Govt Securities my Fund Value would have been Rs 1, 46, 980 plus a bonus of Rs 16, 000= Rs 1, 62, 980 è To this I was very displeased, but she informed that if I can invest with some Government Security Investments they will route my money to these Govt Funds in back date and give me ROI in back date and I will get Rs 1, 62, 980 back. Finding it fishy I asked her to get me in touch with some one Senior. 3). I then received a phone call from someone claiming to be CEO, HDFC Life, saying his name was Ved Prakash Arora. this call came from [protected]. This person informed me the following: è that my funds were infact linked to share market and today their value was Rs 71, 880 although i had paid HDFC Rs 1, 10, 000 in last 10 years. è that if I had opted for Govt Securities linking, my Fund Value would have been Rs 1, 46, 980 + Bonus of Rs 16, 000 = Rs 1, 62, 980. è that as I have been misinformed by Agent in 2003, he would help me someway to keep the HDFC reputation intact, è that he would send his agent to my place and that I should buy a Birla Sun Life Plan @ payment of Rs 25000Per Annum from him. è that this plan will help him route my investment with HDFC to Govt Securities. è that as soon as I pay the first premium to Birla Sunlife, he will cancel my Birla Sun Life Policy and send me a cheque of Rs 1, 62, 980. 3). The Birla Sunlife person came to my house in few hours and took from me a cheque of SBI, Yamuna Nagar Cheque No. 424705, dt 25.11.2013 for Rs25, 000/-Only and alongwith my signatures on Birla Sun Life “Vision Life” Insurance Form No. 49126183 with documents such as PAN card PhotoCopy, Driving license PhotoCopy, Passbook's Photo Copy and Two snaps. 4). In few hours again I received a call from Mr Ved Prakash Arora telling me following: that he has received my insurance form and, that I should note my Birla Policy Cancellation number, BZ196XX449, as he got my policy cancelled. 5). I in some time also got a phone call from Ms Saloni Sharma saying: That my original complaint with Govt Insurance Agency has been closed vide Approval Number: 0049AP31. that they have processed a Cheque Number 004662, Axis Bank for Rs 1, 62, 980 in my name. that I will receive this cheque in February 2014. I hereby bring to your notice the above facts. There seems to be a fraud running here and the private information of the HDFC investors is being accessed and used for such frauds.

Sir Today I have receives a call from SBI Customer care whose telephone no[protected] @ 1.30 p.m he told me what is your problem I told him that some credit amount lying in my name, he told me your card has been locked so please give me another Card no so that I have given my HDFC Bank card no which has already mentioned in subject after that four debit has been came to my mobile no Rs.6352, Rs.18470, Rs.4972 and Rs.10000 @ 1.43 P.M to 3.43 P.M my mobile no-[protected]. Hence I have requested you to solve the problem and dont pay any thing to the merchant. Nirmalya Goswami

Mrutunjaya Basavaraj Gajare, 1055, 2nd Cross, Ganeshpur Road, Opp: Bharat Steel, Laxmi Nagar, Belgaum-591108, Karnataka. Date,[protected] To, HDFC Standard Life Insurancee Co. Ltd., 11th Floor, Lodha Excelus, Apollo Mills Compound, N M Joshi Marg, Mahalaxmi, Mumbai. 400 011 Sir, Sub :- Intimation Reg., the Fund Value in your Paid up Policy – Policy No. 12161644 Ref : Yr Lr No 119064 dtd.[protected] With reference to the above this is to inform you that I am not interested to renew / reinstate my above said policy further. I want to withdraw the balance amount in my policy account what ever is available. Hence, I request you to refund the amount available in my policy a/c through cheque to my above said address immediately. I am not interested in anymore correspondence with you, reg this matter. Thanking you in anticipation. Yours faithfully, Mrutunjaya Basavaraj Gajare,

hi, i have applied for a home loan inHDFC Ltd in the month of July 2013. there is a debit of 2000/- from my HDFC bank account number [protected] towards processing fee against my loan application number[protected] in guwahati branch as processing fee for PNS scheme. the representative has told me that HDFC Ltd will contact me before debiting my 2000 Rs cheque as processing fee. But the same did not happen. Rs 2000/-has been debited from my account. I could not avail the loan for some circumstances. Request you kindly to refund the same at the earliest in my HDFC bank chandmari guwahati branch account number [protected]. Regards Ratul Lahkar [protected]

I have salary account in HDFC bank. I dont have any credit card nor i have any loan.But recently when i applied for loan i come to know that my cibil score is negative.I dont know why? Can please help me in this case. I contact with bank then i come to know that This report is according to them that "cibil is negative because i applied for credit card and loan" but i had never applied for loan nor for any credit card. Please help me email Id [protected]@gmail.com

I am extremely unhappy with the HDFC bank cr. card and collection department, Bank should be band in India, This is to the reference of the card i was using, card was issued to me in Aug'12. Dispute started in the month of Sep'13 where only partial payment was made towards minimum outstanding of cr. card. My saving a/c was blocked and after 15 days total amt was debited towards cr. card. Even after continuous call to cr card department and collection team there was no call made to inform the same. Now i am informed by the bank that i will not be able to use my card once the payment it done. HDFC is one of the worst bank to deal with and employees of HDFC has forgotten that any bank runs with customers money.

Hi I am Surjodoy Ghosh HDFC Bank Account Holder since 2001. In fact it seems from the behaviour of HDFC Bank in the recent past that opening this account with them has been one of my life's biggest mistakes. My friends who had gone with SBI and ICICI Banks are very happy and they never had to face the kind of problems I had to with HDFC. The services were much better till about[protected] but since then there has been something seriously wrong with them. I have transacted on several occasions with HDFC in terms of having their credit card, I had 3 to 4 loans going on with them which I paid off... every single bit of the money owed in the last 13 years. Now all of a sudden they put about 5, 400 on hold and I had no information (surprising since they have my number, address and email too). When I called to find out, I was told that they had several late fees pending on my last loan account which I had paid off in 2010. I asked why wasn't I consulted with reasonable efforts to recover any outstanding, I was told they did try but could not get to me. I later found out that all this while these guys were using obsolete information from the beginning of the loan from 2007. Since then I have changed addresses and cities so of course my numbers have changed as well. Now they can access my bank account which is the current and active relationship to hold my money but they somehow didn't bother to contact me on the information stored against the active account. This is alarming for all o[censored]s when Banks start to behave such irresponsibly and with such little value for customers. It seems they think that you can do anything with a poor man's account basis some legal norms. They fail to understand their social responsibilities towards the customers they work with. This is pure extortion. I seriously advise every reader that don't go for HDFC Bank for anything or else just in case something goes wrong like you running into some temporary financial trouble, they will take no time to turn into an extortionist. My customer id is 1764865 and I am closing all relationships going forward and moving my salary account to ICICI who have a more human behaviour.

Sir/ Mam, I Saranjit Kaur want to complaint against HDFC BANK LTD. My husband had worked with HDFC BANK LTD. as a CO-EX. He had expired in Nov 2011. I have applied for his PF amount as per the procedure which they had confirmed me on mail ID. After that i had send them the required DOCs on their given address. After that i had requested them for the receiving of the same on mail but they have not replied till date. After that i had complained against them on email ID of [protected]@hdfcbank.com. 1 or 1(1/2) mon back i had received a call from hdfc employee Mr. Krishnamurthy Rao (Contact no.-[protected]) regarding the docs, he was asking to me that when i had send docs to them, i had confirmed him all the details and he confirmed me that he will definately confirm me the status of docs on the next day. But after that he have not confirmed me the status till date not even on mail. I am continuosly calling him till date after that day but he is not receiving my call. I am copying just the needful conversation of Mail which i had with HDFC BANK as below :- On Wed, Jul 31, 2013 at 10:50 AM, <Krishnamurthy.[protected]@hdfcbank.com> wrote: Dear Ms.Saranjit Kaur, With reference to your mail regarding the PF settlement of Late Mr.Sharandeep Singh, emp. code CS19879, we request you to fill & forward the below documents to enable us to process the PF claim settlement. Requirements. 1. The claimant ( wife) must give a written application letter asking for the PF dues. 2. She must give a NOC from other family members that they have no claim on the dues of the deceased . Format enclosed herewith (See attached file: NO OBJECTION CERTIFICATE.doc) 3. One attested copy of the Death Certificate. 4. Address proof of the claimant ( Telephone bill / Ration card / passport / license) 5. Photo ID of the claimant ( license / Passport / voter’s ID ) 6. One cancelled cheque of your bank a/c, to enable us to transfer the funds through NEFT . Pls send the doucuments to the below address - PAD- Finance HDFC Bank Ltd., Lodha - I Think Techno Campus, Building - Alpha, 8th Floor- Office Next to Kanjur Marg Railway station (East), Kanjur Marg (E) Mumbai - 400042 Regards, Krishnamurthy G Rao PAD ( Finance ) Lodha - i Think Techno Campus, Building - Alpha, 8th Floor, Kanjur Marg ( E ), Mumbai - 400042. Save a tree. Avoid printing this e-mail unless it is necessary Know more about us on www.hdfcbank.com. Connect with us on Facebook at www.facebook.com/hdfcbank ____________________________________________ Disclaimer: "The information contained herein (including any accompanying documents) is confidential and is intended solely for the addressee(s). If you have erroneously received this message, please immediately delete it and notify the sender. Also, if you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this message or any accompanying document is strictly prohibited and is unlawful. The organization is not responsible for any damage caused by a virus or alteration of the e-mail by a third party or otherwise. Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013. " sharan sidhu <[protected]@gmail.com> Oct 7 to Talktous, Krishnamurthy.., pf.csecoex, SocialMediaCom. Dear All, Dear Sir, I am sending you the speed post track record of the docs (which i have sent you earlier) which i have downloaded from internet according to the track the docs are already delivered at the address on 12/08/13 and the details of the speed post are given in the trail mail. So, kindly please confirm me the actual status on my case. Its very urgent, i have also called you on your cell phone ([protected]) regarding the status of the docs, but you didn't picked my call. Please look into the matter on urgent basis. please find the track at the end of the mail. Regards, Saranjit kaur [protected] [protected] Forwarded message[protected] From: sharan sidhu <[protected]@gmail.com> Date: Mon, Oct 7, 2013 at 11:17 AM Subject: Fwd: Regarding PF enquiry of Employee Code - CS19879 To: Krishnamurthy.[protected]@hdfcbank.com, pf.[protected]@hdfcbank.com, [protected]@hdfcbank.com, Talktous <[protected]@hdfcbank.com> Dear Sir, I am sending you the speed post track record of the docs (which i have sent you earlier) which i have downloaded from internet according to the track the docs are already delivered at the address on 12/08/13 and the details of the speed post are given in the trail mail. So, kindly please confirm me the actual status on my case. Its very urgent, i have also called you on your cell phone ([protected]) regarding the status of the docs, but you didn't picked my call. Please look into the matter on urgent basis. please find the track at the end of the mail. Regards, Saranjit kaur [protected] [protected] Forwarded message[protected] From: sharan sidhu <[protected]@gmail.com> Date: Mon, Aug 19, 2013 at 1:36 PM Subject: Fwd: Regarding PF enquiry of Employee Code - CS19879 To: Krishnamurthy.[protected]@hdfcbank.com, [protected]@hdfcbank.com Sir, please reply to the below trail mail as my DOCs regarding PF settlement of emp code ;- CS19879 has been received at your end or not, details of Speedpost are given in the trail mail Regards, Saranjit kaur [protected] -----Original Message----- From: sharan sidhu [[protected]@gmail.com] Sent: Thursday, Oct 3 2013 10:28AM To: Talktous [[protected]@hdfcbank.com] Subject: Re: Fw: Regarding PF enquiry of Employee Code - CS19879 Dear Sir, Kindly please provide me the updated status regarding the PF processing of Mr. Sharandeep Singh (CS19879). In the previous mail dated 21/08/2013 you have reverted that the processing will take 2-3 weeks and you have forwarded the case, but i have not got any kind of feedback after that.As i have forwarded all the required Docs to Mr. Krishnamurthy G Rao as required by him, on dated -07/08/2013 through Speed post ( EP[protected]IN). So, kindly please look into the matter on urgent basis. Hope for the positive response from your end soon. Regards, Saranjit kaur [protected] On Wed, Aug 21, 2013 at 12:58 PM, Talktous <[protected]@hdfcbank.com> wrote: Dear Ms. Saranjit Kaur, We thank you for writing to us. This is with reference to your e-mail dated August, 2013 addressed to Talktous regarding For SHARANDEEP SINGH (CS19879) - Re-Processing F&F details has been forwarded on August 2, 2013. The time taken for processing is 2-3 weeks. You may write to PF.[protected]@hdfcbank.com for further status. Warm Regards, Anay Kulkarni Customer Service Officer Talktous Team HDFC Bank Ltd. Please look into the matter on urgent basis, because i have to apply for the widow pension as well. For that i have to forward some Docs to the concerned department of HDFC Bank ltd.( about which i am already discussing with you in the above matter.) for verification and attestation and they have to forward these docs to the Mumbai PF office for further processing. You can also understand that when they are not looking into my PF matter seriously how can they tackle my widow pension matter seriously. Only after resolving the previous matter i can be able to put the next case to them. I need your full co-operation in resolving this matter. I shall be very thankful to you.

My husband had used my details to use a credit card in 2005 and i remember him paying the dues each month, till we split up n i quit the job in 2005. After which i had huge health issues and have developed ANA positive and am under treatment for the rest of my life (as there is no cure). I was unaware of this issue and last week i received a call on our Call center asking for me (very unethical) and when i called back wondering who it is (sincerely clueless) this lady Sapna tells me that i have to pay Rs.1.5 lacs the very next day as i went missing for 8 years (how ridiculous is this)? I went blank and asked her for statement, she sent it the next day. As i am unable to walk, i asked the exe to leave it at our security desk. She called continuously on our office desk number and demanded that i pay the very next day. I told her my plight and informed her that it is impossible for me to pool in so much money, she was a little polite n told me to pay Rs.42, 000/- immediately and close the account. I told her that i am financially very low bcoz of my huge medical bills and informd her that i would do my best, she imposed a date 20 Nov 2013. I told her that i cannot commit, although i never used tis card n know it must be my husband, i agreed bcoz my personal issue is not of the bank. But i never told her i will not pay, she calls me up yesterday and tells me i will see to it that u lose your job, i will make sure that you have a horrible time... i was taken aback by the unprofessional outburst. Where were you all these 8 years without a reminder ? Y should i be treated like crap by some agent who sounds like a hooligan ? Had i denied then i understand, but when i am doing my best to pay up why am i being treated like this ? I want a call back from a senior personnel who can sort this out with me professionally. Awaiting your call v v urgent.

Dear Sir/Madam, This is S.Rishi Varma am staying in Chennai City. Now I have taken a credit card nearly 4 or 5 years back, so after using the credit card for a year I have lost it .My credit card no-[protected].Now I am working in a company in Chennai and my monthly salary is only rs-8, 500 per month. I am having a salary account in HDFC bank itself, but it is been blocked by the credit card department. So I am taking my salary by Cheque. Now from the credit card department they said that I have the balance of 22, 925. Out of which I have paid rs-4, 500. So the balance amount is of rs-18, 425.Now the credit card department asking me to pay rs-10, 000 with a discount, but they are asking me to pay in 2 or 3 installments which is not able for me. As my salary is rs-8, 500 so I will be able to pay only rs-1, 000 per month in installments. So please do the needful and please reply it’s a humble request.

Hi, this is Neha Jain. I am getting regular calls from one number i.e. [protected] for Credit card of HDFC Bank. Whereas I told them that I dont want any, still I am getting calls on daily basis. I have even call records also with me in my phone. I am just pissed off with this and moreover when I asked that girl why you people are calling me again and again, aren't you educated, then she replied "Aap badtamiji se kyu baat kar rahi hai?" They people are calling and wasting my time and moreover talking like this. I just want to get rid of these calls.

I had a credit card from HDFC Bank, Unfortunately i stopped payments towards the dues & planned to go for settlement through the court.
But HDFC Bank Richmond Road Branch Officer use to call & threaten me everytime & harrased me if i dont pay the due they will put me behind bars etc.
Yesterday a Lady from HDFC Bnak Richmond Road Branch Bangalore, Calls & harrased me as well she has used languages on me for not making the paying & she says that Its Not Your FATHERS Money, Ancestors Money etc etc Langauges has been used.

Is this the way HDFC Bank Treats for Recovery of the due.,
I have filed an FIR against her. Probably very soon the action might be taken.

Thanks... SHABBIR AHMED KHAN

Dear Sir, I am totally disappointed with HDFC bank super saver saving a/c no.:0485-[protected] (Udyog Vihar Branch), This a/c opened on dtd 24/10/2011: I have personal issues so that I have given mail request for closing this a/c as immediately basis. but she is not listen; Deduction started onward from my a/c: 26/05/2012 --INR 393.26 09/12/012 --INR 561.8 13/01/2013 --INR 561.8 (Oct, 2012) 07/02/2013 --INR 393.26 (Nov, 2012) 26/02/2013 --INR 393.26 (Dec, 2012) 02/04/2013 --INR 561.8 (Feb, 2013) 13/04/2013 --INR 561.8 (March, 2013) 03/10/2013 --INR 561.8 (August, 2013) 11/10/2013 --INR 29.84 (Sep, 2013 21/01/2013 --INR 1123.3 (only for the month of March, 2013 & August 2013) 22/10/2012 --INR 13.6 04/11/2013 --INR 518.36 (This amount deducted from another holding salary a/c 1374-[protected]) _I need clarification regarding this matter. 08/11/2013 -- INR 531.8 (Refunded for the month of Sep, 2013) Total Deducted = INR 4550.58 & refunded only 1655.4. I need my all the deducted money from HDFC. I hope to hear from you soon. Thanks & Regards, BIJAYA KUMAR MOHANTY +91-[protected] +[protected] b.[protected]@hotmail.com; [protected]@gmail.com;

Dear Sir/Madam, This is in regards to HDFC Life Insurance policy number 16228413. The above policy mis-sold to me by Mr. Dharmesh Shah in first week of August, 2013 and applied online by Mr. Dharmesh Shah on 10th August, 2013. I have attached the HDFC Plan Advice photo copy in which you can verify I have been advised about Classic Assurance Plus for 15 years with paying terms of 7 years. Below is the highlight of Plan Advice: • 15 years term. • 7 years paying term. • Premium of 30, 000.00 per year for 7 years. • Sum Assured 4, 80, 000.00 • Accidental Death Benefit 9, 60, 000.00 • Accident by Govt. Vehicle 14, 40, 000.00. • 1 Lakh for each critical illness (24 illness covered) • RB at 3% of Sum assured • IB at 2% to 4.5% of Sum assured • TB at 45% of Sum assured • At the end of 15 years I have been advised as I will get 16, 66, 000.00. I agreed to Mr. Dharmesh Shah for above plans however when I received the confirmation of policy details it’s totally different what is discussed with me. I contacted Mr. Dharmesh Shah on 11th August, 2013 and advised I have received the incorrect policy details as it is showing 10 years of term and total incorrect Sum Assured. Mr. Shah offered apologies and confirmed he will request to change the term to 15 years and when I asked about Sum assured amount is incorrect he confirm the policy which we explain are incorrect and again apologies me. I asked him to cancel this policy as this is mis-sold to me and he agreed to it and confirmed I will request to get the policy documents once published and arrange for cancellation. I trusted him as he apologies me and as there is 15 day cooling period to return the policy. He also offered me to sold me another policy for which I confirmed once I get my funds back I will get in touch with him. He told me he will send the two policy details in email and send to me on 13th August, 2013. The email received is attached for your reference. I received a confirmation of policy document dispatched and got a confirmation from my father that they have received the policy documents hence I contact Mr. Dharmesh Shah on both of his mobile number [protected] and [protected] however he not picked any calls. Two days later I called him again and he picked the call and when I asked him what is the status of cancellation he told me it is not yet done as the policy paper dispatched to Pune. I asked him you told me you will request the policy papers at your office and process the cancellation. He told me he did send the request to receive the policy papers but dispatched to Pune and agreed to show me the email which he sent to his department. On that day I agreed with him to that I will arrange to receive the policy papers back from Pune and arranged to courier it from Pune. I requested him to send the email but never received. When received the policy papers on 4th September, 2013, I contact him twice on both the numbers but he not responded. On same day I called him approx 21:30 and he agreed to pick the documents from my home on next day and processed the request for cancellation and advised the fund will be back to my account in week. I didn’t received any response from him hence called him on both numbers on 14th September, 2013 however he never picked the call and dropped a text as he is in meeting and contact me later. He called me on 26th September, 2013 and confirm sorry as he not responded the call as he was in hospital due to Chikangunia and he also left the HDFC job and confirm the request for cancellation is not processed and advised me to complain myself. I asked him as you left the job then please give me the details in writing but he refused to do it. He advised he will send the policy papers to me by Friday and send me text with contact person and address to complain to his office on SG highway. As he left the job and declined to give me any details in writing hence I decided to record the call and recorded the conversation in which he confirmed all the faults which is enough proof to identify its not my fault and entire fault of Mr. Dharmesh Shah. I visited the office and met Mr. Hetansh Gohil and he also advised based on this he will not able to help me and advised to raise a complaint. I also received the letter for complain in order to cancellation however when I enquired today i.e. 29th September, 2013 I have been advised by Vijayalaxmi it is confirmed to me as the request is cancelled as the information not received in 15 days cooling period. Please accept this email as formal complaint for mis-sold of policy and cancel it. I request you to please process the cancellation and refund my fund back to me as the earliest. I have attached all the copy of sound recordings, HDFC Plan advice and email received from Mr. Shah. Please do feel free to contact me on [protected] anytime before 14:00 Hrs. as after that I will be in my office and not able to pick the call. I hope for the positive response. Thanks and regards, Upender Singh [protected] (Please confirm the email address on which I can send the relevant document which is enough as a proof of mis-sold of insurance policy)

I wish to state here that HDFC Securities is one of the worst stock brokerage companies in India. Below are my issues 1.They charge more than what they say 2. The brokers are not trained properly. ( they do not know what stop loss is and expect the customer tell tthem every time an order is placed) 3. I guess it is volume business and hence the brokers are only looking for turnover and not interested in the customer. When the high brokerage was highlighted it was informed by my broker that manager is not available as he is on leave. this happended for 2 days. later he never bothered to inform me. Next what ever stop loss i have given broker has not put it and i had to face huge loss. REQUEST ONE AND ALL NOT TO DEAL WITH HDFC SECURITIES.

I am S.Rabi, Bank of Baroda account holder, tried to take Rs.10000 IN HDFC ATM OF ARUPPUKOTTAI, LOCATED IN MADURAI ROAD ON 07/11/2013 around 8.00pm.money not ssued by the ATM, BUT DEBITED IN MY ACCOUNT, BUT TILL ON TODAY 08/11/2013 EVENING MONEY IS NOT CREDITED.The ATM slip shows TRANSDECLINED, BUT IN MINI STATEMENT MONEY Rs.10000 deducted.Kindly take this serious and do the rectification. Account Details: Name: S.Rabi AC NO:[protected]

IS THIS TERM OF CANCELLATION OF CREDIT CARD WITHOUT NOTICE TENABLE? "The Bank at any time (in their sole discretion and without giving any notice thereof to the card-member or assigning any reason thereof) suspend, withdraw or cancel the benefit of such insurance covered, and there will be no binding obligation on the bank to continue this benefit. Using the Card is deemed acceptance of this term." Is this term legally tenable? Are there relevant citations for or against such a term? Thank you.