HDFC Bank Complaints & Reviews

My name Avadhesh Kumar working HDFC Bank first India Place Gurgaon.My Employee Code CA27155

Date of Joining[protected],Date Of registation[protected].I receive salary till 30 of nobember 2010.

I am not received salary 1of december To 9 december.HDFC Bank Charge 3500-for notice period Penatity

Please Provide me My Releiving Latter to submit in another job.
Avadhesh Kumar

Employee Code:CA27155
mob:[protected]

Dear sirs/ madam,

while referring to my savings A/C. no. [protected] on net , I came to know that Rs. 500 has been deducted against debit card annual fee on 09.03.11.
I am having my savings account with HDFC bank since last 9 years , as a classic customer.
For classic customer , there is no annual fee for debit card & it is given free of charge for life time.
(1) I don't know , how this amount is deducted from my account ?
(2) Is there any change in norms for debit card ?
(3) Do you think that I should close my all savings accounts & fixed deposit accounts , just because of debit card charges ?
(4) I am a share holder of HDFC bank also, , kindly review my case & reverse the entry of Rs. 500
by giving credit to my account.

I hope matter will be taken with same spirit of HDFC bank's guide line.

If it is not comfortable , I will close my account with HDFC bank.

Thanks & Regards,
Dinesh Shah
Alstom Projects India Limited,
Maneja,

An employee named MONA from mumbai,HDFC office, called me on my cell ; it was about the activation of their company's service called 'SMS alerts of stocks and futures'....
In reply, i affirmed that without my prior permission no steps should be taken regarding this. However, the mere teliphonic talk has been considered as my request to activate this facility n the amount of Rs.1299/-
has been deducted from my account which is quite strange.
I strongly oppose this move of the employee. Please, re-deposit the particular amount as early as possible to avoid unnecessary chaos.
- Dr. Keyur N Kachchhi.
MD Pathology,
Amreli-365601
Gujarat
No:[protected]

Sir

My salary account is[protected] with HDFC bank Connaught Place branch.

Yesterday my salary was transferred in the above mentioned bank account number. I am unable to withdrawal my salary from above mentioned account number. I called in HDFC bank customer care number. According to the executive the salary is on hold from credit card devision.

I was managed a credit card of HDFC bank around 6 years back. Same was settled from HDFC bank Naraina Branch on Rs. 10, 200/- in three shots. Two installments were completely cleared but in last installment I faced some misbehavior issues with the lady executive of DSA. I told her clearly that rest amount of Rs. 4,500 is pending from my side and I want to pay the said amount only on one condition that please share the statement of my credit card. Because the limit of credit card is Rs. 10,000/- and I already paid around Rs. 17,000 on the card. She use vulgar words against me.

Please see the attached documents of trailed mail with HDFC bank.

Now today I had a word with Ms. Ruby Anand of HDFC bank credit card division. I told her that this is my salary of whole month and I have a wife and 2 year old child with me. If you want I agree to pay the card limit amount to you and please release the rest amount of my salary. She ignored and told that whole amount of salary around Rs. 32,763 will be settled as a settlement amount. Please arrange Rs. 10,000 more or we will send a mail to Chennai for approval on Rs. 32,763 to settle the card amount.

My whole salary blocked by HDFC bank. Only Rs. 4,500 is due from side and I agree to pay Card Limit amount amount of Rs. 10,000/-. But I want to release my salary.

Sir I am very depressed and want your intervention.

Please do the needful.

Mails to HDFC bank is given below:-

From: Sethi, Amit (Amit) **CTR**
Sent: Monday, November 29, 2010 6:28 PM
To: 'ravi.[protected]@hdfcbank.com'; '[protected]@hdfcbank.com'
Cc: '[protected]@hdfcbank.com'; 'grievance.[protected]@hdfcbank.com'; 'naveen.[protected]@hdfcbank.com'; 'Punita.[protected]@in.hdfcbank.com'
Subject: RE: HDFC Bank Credit Card [protected]
Importance: High
Hi All

Received two calls from Ms Ritu from landline No. [protected] today 6:16 PM. She said that:-

Ms Ritu - TUNE PAYMENT KARNI HAI YA NAHI KARNI HAI.

My Words - MADAM KAISE BAAT KAR RAHE HO

Ms Ritiu - TUJH JAISE KAMINE AADMI KE SAATH AISE HI BAAT KARNI CHAIYE.

Regards

Amit Sethi
Network Operation Centre - Avaya
Contact: +91 [protected]


________________________________________
From: Sethi, Amit (Amit) **CTR**
Sent: Monday, November 29, 2010 5:32 PM
To: '[protected]@hdfcbank.com'; 'grievance.[protected]@hdfcbank.com'; 'naveen.[protected]@hdfcbank.com'; 'Punita.[protected]@in.hdfcbank.com'
Subject: RE: HDFC Bank Credit Card [protected]
Importance: High
Hi All

Received a call from Ms Ritu from landline No. [protected] today at 5:01 PM. She was calling from Naraina 2nd floor collection branch. I told her clearly that please connect me to your senior Ms. Punita Tiwari but she regret to connect me.
She was behaving like an illiterate people and speaking very rudely and highly. She said that "Kya tum intelligent ho. Payment karte ho ya nahi. Agar payment nahi ki to dekh lena. Esclation karne se kuch nahi hota. Resressal kya kar lega".

In 7 minutes telephonic conversation she was a put a pressure on only one word - PAYMENT PAYMENT PAYMENT.

If again I receive this kind of calls. Same matter will be delivered to LEVEL-3.

Address : HDFC Bank House, Vatika Atrium, A - Block, Golf Course Road, Sector 53, Gurgaon - 122002
Tel :[protected]/4664245
Fax :[protected]
RIM : [protected]
Email :ravi.[protected]@hdfcbank.com

Please interven.

Regards

Amit Sethi
Network Operation Centre - Avaya
Contact: +91 [protected]


________________________________________
From: Sethi, Amit (Amit) **CTR**
Sent: Friday, November 26, 2010 11:14 AM
To: '[protected]@hdfcbank.com'; 'grievance.[protected]@hdfcbank.com'; 'naveen.[protected]@hdfcbank.com'; Punita.[protected]@in.hdfcbank.com
Subject: RE: HDFC Bank Credit Card [protected] - Card Statement and Card History Require
Importance: High
Hi All

Received a call from Punita Tiwari from Mobile No. +91 [protected] today at 10:45 AM. According to her words "I am failiar with this kind of mails and I am unbale to provide any kind of details. If you need then please come to our Naraina Branch, New Delhi I'll give you the access of my system and password login and generate the information yourself. If you do not want to make the rest payment then no issues no impact on bank. This will be continue."

Point 1 - If you do not have required details then why commitment was made to customer.

Point 2 - If you do not have any kind of NBW Warrant or Court Notices then why you called me to your Janak Puri Branch and agreed to show the softcopy of NBW Warrant (Unable to Show the NBW Warrant).

Point 3 - If you do not have any kind of Warrant then why you called me and said rudely "Pay the whole amount within 36 Hours or your warrant will be executed".

Point 4 - Systems or servers are yours, peoples are yours, working for you then why system and password offer to customer for self access of your database records.

I appreciate the spoken skills of Ms. Punita Tiwari.

Already mentioned in the trail mail and till now I am receiving your calls.

Good response and understanding.

Regards

Amit Sethi
Network Operation Centre - Avaya
Contact: +91 [protected]


________________________________________
From: Sethi, Amit (Amit) **CTR**
Sent: Friday, November 26, 2010 10:39 AM
To: '[protected]@hdfcbank.com'; 'grievance.[protected]@hdfcbank.com'
Subject: FW: HDFC Bank Credit Card [protected] - Card Statement and Card History Require
Importance: High
Hi

FYI...

Regards

Amit Sethi
Network Operation Centre - Avaya
Contact: +91 [protected]


________________________________________
From: Sethi, Amit (Amit) **CTR**
Sent: Friday, November 26, 2010 10:27 AM
To: 'naveen.[protected]@hdfcbank.com'
Subject: HDFC Bank Credit Card [protected] - Card Statement and Card History Require
Importance: High
Hi

As discussed several times.

Please share the HDFC Credit Card Statement and card history for the rest of the period (DISCUSSED WITH Ms. RITU) for the account [protected] from start to till date.

Reason for Card Statement and Card History - Received many harrassment calls and letters before and after of settle the card regarding Court Notices / NBW Warrants / Use of Vulgar Words / Open the case in front of family members personally or verbally through phone.

As discussed with Ms. Ritu above mentioned card already settled on INR 10,200.00 in 3 shots. A amount of INR 5,500.00 already paid to bank and the rest amount of INR 4,700.00 is ready to pay in cash. Received a letter from HDFC Bank Cards Devision stated that the settlement being time bound, any default in payment of the ammounts as agreed or within the time stipulated under the settlement will invalidate the settlement and render the same void. After couple a days I received a notice from court under SECTION-138 on the above mentioned card account and a notice letter from S.S.Advocates Chennai. Credit Card Statement is a right of customer stated under RBI Circular DBOD.FSD.BC.17/24.01.011. Please read the below mentioned points carefully:-

1. Customer’s rights in relation to credit card operations primarily relate to personal privacy, clarity relating to rights and obligations, preservation of customer records, maintaining confidentiality of customer information and fair practices in debt collection. The card issuing bank/NBFC would be responsible as the principal for all acts of omission or commission of their agents (DSAs / DMAs and recovery agents).

2. The intimation for including an individual’s telephone number in the Do Not Call Registry (DNCR) should be facilitated through a website maintained by the bank/NBFC. The numbers cleared by the card issuing bank/NBFC for calling should only be accessed. The bank/NBFC would be held responsible if a Do Not Call Number (DNCN) is called on by its DSAs / DMAs or Call Centre/s. The card issuing bank/NBFC should ensure that the Do Not Call Registry (DNCR) numbers are not passed on to any unauthorised person/s or misused in any manner. Banks/NBFCs/ their agents should not resort to invasion of privacy viz., persistently bothering the card holders at odd hours, violation of "do not call" code etc. The disclosure to the DSAs / recovery agents should also be limited to the extent that will enable them to discharge their duties. Personal information provided by the card holder but not required for recovery purposes should not be released by the card issuing bank/NBFC. The card issuing bank /NBFCs should ensure that the DSAs / DMAs do not transfer or misuse any customer information during marketing of credit card products. In the matter of recovery of dues, banks should 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 have their own code for collection of dues, they should, at the minimum, incorporate all the terms of IBA's Code. 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 11 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. 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.

My only contact number is [protected] - PLEASE DO NOT CALL ON ANY OTHER NUMBER

Mail already sent for DNC on[protected] dated Tue 9/21/2010 2:36 PM - MAIL ATTACHED

My current address is 1st Floor Vipul Orchid Plaza , Sector-54 Suncity, Gurgaon, Haryana – 122002.

As discussed with Ms. Ritu, please send your executive on above mentioned address with the card statement and card history for rest of the period and collect the rest amount in cash from me.


A discussed with Ms. Ritu - Please call me on my number [protected] only after Monday and after 4:00 PM because I am out station for company audit and unable to receive your call before Monday 4:00 PM.

PLEASE AVOID CONTINOUS CALLINGS (15-17 CALLS PER DAY)

Regards

Amit Sethi
Network Operation Centre - Avaya
Contact: +91 [protected]

Hi.,

My name is Mr. SANJAY VITHALRAO DESHMUKH I had credit card no [protected] From your Bank In 2007 . I paid all the dues promptly. But still in
last transaction, your bank unnecessarily charged me late fee Which i refused to
pay Which was Rs 275/-& Then i found my name was in civile list, WHY ? Before doing such things, you have to refer the customer's previous record of repayments whether he delayed any kind of payment....

Waiting for reply and wishing future healthy relations,

Thanks, regards,
Sanja Deshmukh
[protected]

Dear Sir/Madam,

This complaint is in regards to the HDFC Bank Two Wheeler Loan A/c No. 16100224 which I took in March 2010 for 30 months.

My payments were regular and last month i.e. February 2011 I had deposited the loan amount in my SBI Bank from which the EMI is auto debited on the 5th every month.

I got a call from call centre of HDFC Loan from Swati Paul - Call centre mobile Number: [protected]. asking me to pay the amount of 1897 via cheque or cash as the EMI amount is bounced on 5th.

I informed her that the amount is there so there shouldn't be any problem re-withdrawing from my account. She insisted to pay in cash or cheque as they can re-request my SBI bank for another autodebit.

I kindly issued a cheque of Rs. 1897/- on the 11th February.

Now here is the real picture. On 15th February 2011 they debited from my SBI account 1897/- and on top of that they have debited 1897/- the cheque given to them on 17th FEbruary 2011.

I had the information that I have sufficient fund to pay to my other parties and i issued a cheque of 3000/-.

Unfortunately the 3000/- cheque was bounced due in insufficient fund as the HDFC bank loan dept debited my amount twice.

Smartly HDFC bank credited via NEFT [protected] Rs. 1413on 24.02.2011 to my SBI account.

I have been charged Rs.100/- from SBI also Rs.300 from the other bank for cheque bounce on 21.02.2011.

I request HDFC to first of all return the amount Rs. 484 (Rs.1897-Rs.1413) Also the amount of the charges of cheque bounce from other bank Rs.400 (Rs.100+Rs.300)

Other wise I will discontinue to pay the rest of the EMI and file a suit in the High Court for the Loss incurred including the harrasment from the HDFC bank.

If my issue is not resolved within 2 day then I will continue to complain it the relevant authorities for strict actions to be taken against the unlaw full banks like HDFC.

Till now I thought only ICICI is the worst bank and now I should also include HDFC as the worst bank in the world.

Hoping for a reply,

Thanks and regards,


V.Rajendraprasad Rao
Mobile: [protected]
Malwani, Malad (W)
Mumbai - 400095.
INDIA is Great

Dear sir/ madam

Iam holding my savings account in HDFC Bank, vellaiyanchettiyar branch, (A/C no:[protected]), i dropped my hdfc cheque for rs.5110 towards citibank payment, my cheque has been bounced due to signature differs as per hdfc clearing department report.

I got my cheque and verified with the branch, there is no mismatching.

Due to this issue i got mentally disturbed and arranged alernate funds for citibank payment, for this month also it repeat the same and this month my 2 cheques has been bounced due to signature difference.

I never faced this sort of problem till this time, only HDFC bank created this issue.

I dont know how to teach hdfc bank to avoid this type of problems for other customers.


M.SARAVANAN
+91-[protected]

dear sir/madam
i purchased a two wheeler cd delux model RJ07 SD 2406,FROM DHARNIA AUTOMOBILES jodhpur road manasar nagaur under installment scheme through hdfc bank rani bajar station road bikaner...i paid all the 30 installment..after completing the loan bank provide me a NOC but steel i have not received RC of bike..i went there many times but they are not giving any response..bank is saying go to company..company saying go to bank...i dont know what i do? plz help me on this matter...

bike chasis no. is-07M02F26991
ENGINE NO.-07M22E39445
LOAN AGRREMENT NO. IS[protected]
REF. NO.-355


FAHIM MOLANI
SIGIYON KA CHOWK
CHHIMYON KA MOHALLA
BIKANER-334001
M.-[protected]

My Name is Sanjeev Kumar having salary account in HDFC Bank([protected]).Recently i tried withdraw money from maharastra bank ATM due to personal urgency, My debt card gone inside that ATM. When i contact to maharastra bank manager "she said i'm sorry we dodn't some security reason it happen please contact your home branch". I went to my home branch asked concern person he said we dodn't the reason please apply new card.I'm very panic that time, becuase i can't apply new card my address has to be change. Till the time i visted JNTU HDFC bank for witdraw cash, I shocked to withdraw one its take time 45 mins- 1 hour. There only two counter no system too much croud. even Weekdays also same croud, Really i cryied that time getting late to office when ever visit bank.

When i compare HDFC bank with ICICI Bank. Too wrost and improve lot problems, ICICI Bank 100 times best best best best .


Regards,
Sanjeev Kumar
[protected]

I WENT TO HDFC BANK LTD. TO OPEN MY SALARY ACCOUNT WITH HDFC BANK, BALLYGUNGE BRANCH BECAUSE MY COMPANY HAVE CORPORATE SALARY ACCOUNT. BUT BANK MANAGER NAMED MR. AVATAR SINGH AGREED TO OPEN MY ACCOUNT BUT HE WILL TAKE 10 DAYS MORE. I SUBMITTED MY ACCOUNT OPENING FORM WITH PHOTO AND SIGNATURE BEFORE SEVEN DAYS. INSTEAD OF THIS MY ACCOUNT IS NOT OPENED BY HDFC BANK, BALLYGUNGE BRANCH. I THINK THIS KIND OF PERSON IS NOT REQUIRED FOR BANK AS BRANCH MANAGER WHO ARE NOT ABLE TO MANAGE EVERYTHING. NOW IT IS HDFC BANK MANAGEMENT COMMITTEE'S DECISION.................PRASENJIT SIL[protected]

hi sir
i have worked with HDFC STANDARD LIFE INSURANCE CO LTD. for SEVEN MONTHS and they have deducted the amount for PF and now i had left the job and asked them for the finel settlement .I requst you to kindly do the needful action so that i can get my PF amount.They also not sent me the details of total amount and my PF ACCOUNT NO. 44868.I request you to kindly sent me the details and also guide me how should i withdrawal my amount.please send the details on my email id :p.[protected]@yahoo.com.

Hi,

HDFC bank employee In Sector 22 Gurgaon branch named as Rita Pandey designation Personal banker is not doing her job properly.She is not giving any attention to the Customer request or queries.She made me to wait for one hour still he was not having time to provide me few detail and she is showing that she is not interested in giving me services.Suddenly she wet away from the seat for much longer time with updatingme or informing .I am not able to understand such an attitude even i do't know her personaly.This behaviour is not acceptable i am having relation ship with HSBC and ICICI banks also but never faced such issues wih them.

Hi,

I have taken a housing Loan from HDFC home loan division and due to various financial problems, i was not able to pay the dues in correct time, HDFC people used to call me and i have assured them that all my dues will be cleared before this month mid and even after that they called my family members and talked to them in a abusing way and i am in the verge of losing my family.

if the loans are not repaid, i am the person liable on that and they have the leisure even to take away my property but they don't have the rights to abuse my family.
I was very much hurt with a leading bank behaves in such a way.

Hi Team,
I am not the defaulter of any of the bank but i dont no why my name is there in the list of the defaulter this is discusting i haven't used any credit card there any non of my check is bounce i haven;t used any bank credit card in the future but still i do no how i am the defaulter so please could you look into the issue idont want the creduit card this is a good excuse to not provide the card but this is not the good way to blame to the person who is not the defaulter.

Name:-Deepak Singh
Mobile:[protected]

I recently came across HDFC, the largest private housing financiers in India advertising that their Cochin office had taken over some properties for non-repayment. The majority of the cases had total outstanding balances of less than Rs. 1.75 lakhs, to read from the advertisements. Considering that even a Cent of housing property in Ernakulam district is worth more than Rs. 2 lakhs, this seemed to be over enthusiasm for some reason on the part of the lenders.

It was seen that these loans had all been taken around[protected] when the interest rates were around 7 or 8%. Within a few months however, rates began to climb. Currently, this particular lender charges 12.5%. The extra interest on each defaulted EMI is 18% additionally. The pathetic situation of the non-wilfully defaulting borrower can be imagined. The initial rosy interest rates offered are called Teasers; to tease the innocent public with!

In the current scenario, the borrower would have to again pay at least Rs. 5000/- extra per lakh for each year of the loan, to get his title deeds back in the end even if agreed instalments are regularly remitted. This is because interest has been raised to 1 ½ times arbitrarily after getting the borrower to sign for the loan at 7 to 8% interest. If it be a twenty year loan, he ends up paying Rs. 1 lakh additionally for each Rs. 1 lakh borrowed, over and above the originally agreed repayment. If three instalments are defaulted, the loan becomes an NPA and within 6 months of continued default, this lender moves in under the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 [SARFAESI], no questions asked. This draconian law was put in place to hide and shift from bank officials, accountability of deliberate bad loans. The take-over of property draws attention away from official misdemeanours in processing, sanction and conduct of the bad loans. The fixing of NPA at the end of three months is even anti-Indian when we admit our slow pace of national life.

The RBI has laid down that a defaulting borrower should be advised in advance of the lenders’ intention of deeming him a wilful defaulter; his objections to it should be called for and heard. This is not done by the Company or for that matter, by most banks. It might be that the default is due to temporary issues like illness or loss of job. What the non-wilful defaulter receives out of the blue at the end of six months of default is a Notice telling him that his property would be taken over if he does not remit the entire dues and costs within 60 days. Till recently, the borrower had to first remit 75% of the dues if his petition against re-possessing was to be even admitted by Courts. Even now, the waiving or fixing of such remittance is left to the discretion of the Judge. While the Act requires the Notice to be issued only by an authorised officer of the financier, HDFC gets a top lawyer to issue it. The charges of Rs. 5000/- for that small notice is immediately loaded into the loan dues.

At the end of the 60 day period, the Company would make a request to the Collector. The lower officials would then be properly met by the Recovery agents of the Company and assistance of the Revenue and Police officials are immediately made available for possession of the house by the lender.

This procedure at the Collectorate is merely anti-people. Housing field or elsewhere, it is known that private banks and financiers falsify their accounts. Anyone that has been taken to Court by the new generation banks about a Personal Loan knows it. Huge hidden and coercive charges are loaded into the final dues position. The amount demanded in recovery is invariably very much more than is legally eligible. Nevertheless, at the Collectorate, no questions are asked and the Police and Revenue staff is enthusiastically released to the Recovery agents.

Ideally, the Collector should make independent enquiries of each case, call up the defaulter to hear him and only then move to the final catastrophe. It is from dearly held dwellings that the eviction based only on the statements of the often fraudulent lenders is to be done! And no Keralite would ever default on a housing or gold ornament loan unless it is his suicidal only option. No middle class borrower can fight the financier in Court because of the financial might of latter to get the costliest lawyers.

I enquired about why the final dues in the aforementioned cases were less than Rs. 1.75 lakhs and yet such drastic measures were employed. I was astounded to hear that the actual dues are even less! And this is how it happens.

RBI has instructed that if the dues are Rs. 1 lakh or less, coercive measures of recovery should not be used. Such dues are to be only settled on arbitration. To overcome this difficulty, the Company has ways of bringing the balance to above one lakh. The intended possession of the property is advertised in all the editions of the biggest newspaper of the Company’s choice. Advertising costs come to around Rs. 50000/-. Each demand call by the Recovery officials is charged to the borrower at a minimum of Rs. 750/- per visit. Expenses of recovery procedure at the government official levels are at least Rs. 25000/- and may go up to any amount. Thus even if the loan dues is only Rs. 20000/-, the amount claimed for recovery is easily boosted to above Rs.1 lakh. There is no mechanism anywhere to check costs of such recovery procedure. Neither government nor the law comes to the poor innocent defaulter’s aid. In the cases we talked about earlier, the actual dues were only around Rs. 75000/- to Rs. 90000/-.

It might be that the Company’s Recovery officers who engage the Recovery agents etc have vested interests. I was told that the same group of buyers purchase all the property put to auction by the Company, in different names. One might suspect some collusion here. The Recovery officers of Kochi told me that their NPA rate is 0.7% as against 0.8% of the Company’s national average and therefore, they do not care about customers’ difficulties. Their motive is to reduce their NPA rate further. They cannot be bothered about any social commitment. They advise the borrower to sell the property and offer to find buyers. Imagine a borrower in temporary difficulties being thus coerced into selling his 10 cents with house so that a Rs. 10000/- or Rs. 20000/- of overdues can be normalised in the Company’s books. They gloat over it that in the case of a KSEB employee of Angamaly with an overdues of Rs. 24000/-, intervention by even Sri. Oommen Chandy could not prevent them from seizing the 10 cents and house near Nedumbassery airport!

At least three fourths of all the houses built in Kerala during the past ten years, especially by the middle classes and NRIs, are mortgaged to companies like this and new generation banks. It is obvious that a predatory style is adopted by the financiers. If we do not move in to put in checks now itself, the consequences might be catastrophic.

The lender has rights to be repaid. At least in the housing sector however, a humane approach to recovery is not a sin. Lenders should be made to hear the borrowers as stipulated by RBI, before treating them as wilful defaulters. As said in the RBI’s handbook on NPAs, one is a wilful defaulter only if he has funds and yet, does not remit. The SARFAESI is not applicable to agriculture debts, dues below Rs One lakh; and to non-wilful defaulters as per the Act. This is so even for corporations with dues of Rs. 50 crores or above. An NRI or employee that loses a job or falls ill does not come under this category. The bankers and financiers do not however, take this into account. The procedure for treating such borrowers has also been stipulated by RBI. The lender should only re-structure such loans allowing the borrower more time or lesser instalment amounts. This is at least thought of by our lenders only in the case of very big borrowers to help them. And in the case of PSBs, a final assistance is always done to big borrowers by settling for a much lower amount than the dues. Often, the money thus given runs to crores. But not so, to middle class house owners with two or three lakh debts, trying to cling on to their only tangible asset!

Collectorates should hear the defaulter before acquiescing to the arbitrary requests of lenders to help them take over houses and evict the owners. They should if necessary, even intervene between the two parties so that emotional and other disasters do not occur. Any popular administration should do so.

Unfortunately, the media that has to consider advertisement revenues from big lenders often fail to highlight this situation. A covert meltdown therefore, awaits Kerala’s middle classes to whom a house of their own is the ultimate dream, only due to administrative and media apathy.

CREDIT CARD NO:[protected]

REF NO HDFC ERGO MEDICLA POLICY:HN[protected]

Dear Kaushal,JYOTI,APARNA/VISHAL & HDFC ERIGO TEAM

As per below mail today i got a call saying that sorry sir that offer is already over,so we cant provide you free 1000 reward points wht is this new stuff

1) CALLED HDFC CRED CARD DEPARTMEMNT FOR GENRAL QUERY HAD WORD WITH MR VISHAL
2) AFTER FINISHING MY NORMAL QUERY MR VISHAL EXPLIEND ME ABOUT HELTH POLICY "ON CREDIT CARD OFFER IS GOING ON SIR TAKE THIS POLICY AND ALSO TAKE HELTH CUPON (ALREADY GOT) AND 1000 REWARD POINTS WILL BE CREDITED" WHICH IS NOT DONE AND COZ OF THIS DRAMA IS GOING ON

3) I AGREED AND SAID MR VISHAL PROCEED MR VISHAL SAID I WILL ARRENGE A CALL FROM BANK
4)GOT A CALL FROM BANK HAD WORD WITH MS APARNA SHE SAID THE SAME THING 1000 FREE REWARD POINTS AND ALL I SAID OK SHE SAID NOW I WILL ARRENGE A CALL FROM HELTH REPRESENTATIVE FOR VARIFCATION

5)GOT A CALL FRM MR VISHAL HE SAID "THIS IS RECORDED CALL AND SAID ALL DETAILS ABOUT POLICY WHILE VARIFICATION ALSO I CONFIRMED ABOUT 1000 REWARD POINTS HE SAID YES SIR YOU WILL GET THAT SEE ITS A RECORDED CALL" AND ALL I AGREED

6) MY ACTUAL CREDIT LIMIT GOT BLOCK COZ OF POLICY OF 9000 RS I CALLED APARNA AND ASKED YOU SAID IT WILL BE DEBITED FROM BUFFER LIMIT IT WONT AFFECT YOUR ACTUAL LIMIT BUT IN REALITY MY RS 9000 IS IN BLOCK STAT
SO APARNA SAID NO SIR STILL YOU CAN SWIPE NOT AN ISSUE,ALSO SHE SAID "DONT TELL 1000 REWRD POINT SCHME TO ERGO ITS GIVEN BY US", WHEN I CALLED CUSTOMER CARE AND ASKED THEY AID NO SIR YOU WILL BE CHARGED 500 FOR OVER LIMIT SO THAT TIME I PLACED AN CANCELLATION REQUEST

7) AGAIN GIT A CALL FROM APARNA AND MR KAUSHL I SAID THEM THAT CREDIT CARD DEPT IS SAYING ME THAT ,SO MR KAUSHAL SAID ME NO SIR I AM ON THIS NO ONLY TILL 12 ANY TIME CALL ME

8) NOW WHEN I CALL ON [protected] I GET REALLY RUDE ANSWERS WE WILL ASK HIM TO CALL WHICH NEVER COMES HE IS IN THE LATE SHIFT WHY YOU ARE CALLING AGAIN AND AGAIN AND ALL, WHT KIND OF SERVICE THIS IS ??

MR KAUSHAL AND MS APARNA YOU HAVE CHEATED WITH ME AND NOW MS JYOTI AS PER TELECON WITH YOU WHERE IS YOUR CALL WHICH YOU WERE SUPPOSE TO CALL ME YESTARDAY?????

YESTARDAY MR KAUSHAL SAID ME LUCKLY HE PICKED A PHONE AND SAID NO SI NO TODAY I M TILL 12 AND YOUR PROBLEM I M GOING TO SOLVE TODAY NOW I M ON THER CALL SO I WILL CALL YOU IN 10- MINUS NOW ITS MORE THAN 24 HRS MR KAUSHAL


AND PLEASE SEE THE BELOW MAIL WRITTEN BY MR Ramanathan P.S POINTS WERE SUPPOSE TO GET GREDIT BY[protected] STATEMENT WHICH IS ALSO A FALSE STATMENT OR WHT ON EMAIL

TODAY WHEN I GOT A CALLED FROM BANK I THIN MS SONAL HAD WORD WITH ME SHE SAID SIR CANCEL POLICY COZ POINTS SCHME HAS BEEN OVER NOW WHT IS OVER WHT IS THIS HDFC BANK TEAM AND YOU ARE SAYING ME ASK TO EROGO TEAM FOR REWARD POINTS

NOTE :MAIL IS SENT TO CONSUMER COURT ONLINE





Dear Mr. Dalvi,

Thank you for writing to us.

This is with reference to your e-mail regarding ERGO policies for your HDFC Bank Credit card Account.

We wish to inform you that the offer for the said policies closes on 27th Feb '11. Hence the reward points for credit card will be posted on the statement dated 03/03/11.

Kindly note the query reference number for this e-mail: [protected]

Incase you seek further assistance or clarification, please feel free to contact our Customer Service Executives at any of our 24 hour Call Center telephone numbers mentioned in the below URL.

http://www.hdfcbank.com/common/credit_card_phonebanking.htm

Assuring you of our best service at all times.

Regards,

Ramanathan P.S
Customer Service Officer
[protected][protected][protected][protected][protected][protected]
[protected] Forwarded message[protected]
From: HDFC Bank Credit Cards Support <customerservices.[protected]@hdfcbank.com>
Date: Fri, Mar 4, 2011 at 7:44 PM
Subject: RE:'HBL=[protected]' Credit Card
To: sagar dalvi <[protected]@gmail.com>



Dear Mr. Dalvi,

Thank you for writing to us.

This is with reference to your e-mail regarding the reward points offer on M/s. HDFC ERGO Insurance processed on your card account.

We have taken cognizance of your comments and the spirit in which you have shared your feedback. It is unfortunate to note that your recent interactions with the Bank has not been up to your satisfaction. We sincerely regret the inconvenience caused to you in this regard. We assure you that we value customer contacts and every possible attempt is made to ensure complete satisfaction, in every contact. Nevertheless, we thank you for your valuable feedback which has assisted us in exploring possibilities for further improvement in our standards of service to our valuable customers like you.

We have initiated investigation with the concerned department regarding the reward points offer and we will respond to you with details within 7 business days. We appreciate your patience in the interim.

Kindly note the query reference number for this e-mail is [protected]

Incase you seek further assistance or clarification please feel free to contact our Customer Service Executives at any of our 24 hour Call Center telephone numbers mentioned in the below URL.

http://www.hdfcbank.com/common/credit_card_phonebanking.htm

Assuring you of our best service at all times,

Regards,

Ezhil Rajesh

Customer Service Officer

[protected][protected][protected][protected][protected][protected]
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. The contents of this message may not necessarily represent the views or policies of HDFC Bank Ltd.



HDFC Bank has been awarded 'Best Private Bank in India' by Global Private Banking Awards 2010 and the ‘Best Performing National Financial Advisor Bank’ at UTI MF & CNBC TV 18 Financial Advisor Awards 2010.
____________________________________________

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. The contents of this message may not necessarily represent the views or policies of HDFC Bank Ltd."

I have opened account in Paypal (online account for sending and receiving foreign money). I need to verify my Paypal account and for that I have received some deposits from Paypal site (which is showing in my Paypal account) in my bank account but it is not showing in my bank account. I have called in your customer care but call got disconnected. I want to know where the deposits have gone?

dear sir,i refill my idea prepaid through hdfc online recharge the transaction was failed but my amount was debited so kindly refund the amount

I Got a mail from HDFC stating that I have no outstanding but now i am getting calls for payment.

BELOW MAIL FROM HDFC:

From: Senior Management <PriorityRedressal.[protected]@hdfcbank.com>
Date: Tue, Feb 22, 2011 at 8:09 PM
Subject: RE:'HBL=[protected]' Fwd: Credit Card - Not used - Mental Harassment
To: Biju S V <mail.biju.s.[protected]@gmail.com>


- Hide quoted text -
Dear Mr.Sasidharan,


This is further to your email dated 20.02.11 regarding your HDFC Bank credit card account.

We reaffirm that an amicable settlement was offered on your card account during December 2005 for an amount of Rs.1400.00 payable in two installments against the prevalent card outstanding on your card account. We acknowledge the receipt of your payment towards the settlement offered and wish to confirm that the same stands valid. There is no outstanding payable as per the settlement offered on your card account and we have arranged to update the status in the CIBIL report accordingly.

Please feel free to contact our bank representative at:[protected] / 39875133 or write to us at: customerservices.[protected]@hdfcbank.com for any further clarification / assistance on the credit card account to assist you in this regard.

Kindly note the reference number for above query is: [protected].

Assuring you of our best attention at all times.

Regards,


Rajeswari Jayasekar
Asst Vice President - Service Quality
Credit Cards

I am still not sure what is happing and the CIBEL score is not updated...

This is delaying my Loan......

Please some one help me.............

Dear Sir,

I wanted to take a Car loan and i had pre approved car loan from HDFC Bank as my salary account was in HDFC Bank.
When i contacted the Loan section, they insured me the best rate as i have my salary account in HDFC.
The car i took was Ford Figo from Kairali Ford, Edappally, Kochi.
I had an old car (Maruti Alto) which i planned to exchange at Ford.
As i had an official trip, i exhcanged the car, booked the new car and went to tour. I thought the loan will be sanctioned once i come back home. My new car was ready at their yard which will be released on the next day the bank transfer has been done.
I was told from the HDFC executive that they will not take the processing charges and the interest will be 11.5%., i planned to take 3 Lacs as loan.
When everything finalized, like i signed the papers, gave the cheque and all., an executive named Ms. Prabha, SL Plaza, HDFC Bank, Palarivattom called me and said i had to take HDFC Suraksha plan, without which they will not sanction the loan.
I was in a turmoil as i needed the car urgent and taking advantage of the situation, she threatened me if i didnt took the Suraksha plan, she will not sanction the loan.
She then told, if i didn't took the Insurance policy,they will take bank processing charge and the interest will be then 13%.
I am just wondering that Insurance is for our protection and they are threatening us to take the insurance...
I had to agree with her as if i go to another bank, it will again take some days.
I dont even know what that Insurance plan covers and what does it all about?
Is this the manners of HDFC Bank?
This is not the way you should do to make people take Insurance.
She badly exploited my situation.
Now i got the loan and i got the car. But i dont want the Insurance., as it was took by taking advantage.
I was heard from other peoples that they too had similar experiences from the same lady.
Kindly take some action on it.
My loan reference number was 18240301 and the amount was disbursed on 23/02/2011.

Kindly help,

Yours truly,

Vinod R
[protected]@gmail.com