HDFC Bank Complaints & Reviews

I have debit card of HDFC bank. The Annual fee is Rs.100/- for Regular debit cards , but in my account the amount is detucted Rs.500/- ( this is applicable for Platinum debit card holders ).

I am trying to speak with HDFC customer care.

Under signed has deposited a cheq amounting of Rs. 2650/- Cheq no. 265620 dated 7th March 2011 to be transfered to HDFC account [protected] (Labour Law Reporter Delhi) at Kalanahar HDFC Branch near collectors office Bandra Easte Mumbai. Till date the cheq is yet to be cleared.
As the amount transfer was within the same bank it should have been done within few minutes.
I tried calling customer care but they did not reply as per the satisfaction of mine and i had to press hard to register my complaint with HDFC Bank (HDFC Complaint No. MUM 250066)

Regards

Date : 16th mar 2011,

Today got call from HDFC For Close My Account. even till Date I mantain My SAVING MAX ACCOUNT Properly. And Last 6 MONTH They Are USING My Money. And Now The turn Of INTEREST RATE % Credit in MY Account than they Told Me FOR CLSOE YOUR ACCOUNT.

Please As A request please Register This Complain Against HDFC bank


My Contact detail :[protected].
PARAG P MEWADA

Complaint against a bank manager of hdfc mandi branch for abetting financial frauds by issuing improper/fraud cheque books to customer with criminal intention


Sir,

Subject: The way banks are abetting financial frauds

Through this complaint of mine I would like to bring it to your kind notice the way in which a few private sectors banks working under a rural license in the small state of himachal Pradesh are playing with the hard earned money of the people to earn an extra buck. Timely action is requested before the level of the fraud reaches the level of the fraud in which thousands of innocent public is harassed by the so called bank policy.

The technique used by the banks is called “THE INSTANT CHEQUE BOOK”. Any body walks into the bank fills up a few forms, gives a few documents ( original or forged) and is immediately issued an instant cheque book which the customer is free to use irrespective of the fact that the account is opened or not.

This is an instance of the mandi branch of the HDFC bank Ltd where the manager of the bank mr amit Bhatia issues one such instant cheque book to one of a known criminal of the area only after filling up a few forms and not even verifying the background of the customer. This particular customers walks out of the bank and starts issuing cheques to the various people and conducts various financial frauds against the general public. One such cheque of rs 93200 was issued to me which later bounced on the reason “ NO SUCH ACCOUNT EXSISTS”

Later when fraud rajiv kumar was caught and beaten by a few people he confessed that the manager amit Bhatia explained to him how he can have a instant cheque book and later with the help of the manager of the hdfc mandi branch rajiv managed to get a cheque book which he started using for his criminal activities. More over the manager of the branch after issuing the cheque book closed the account of the customer and sheds his responsibility against no written application given by rajiv to close the account.

Rajiv confessed that amit Bhatia never gave any application to the bank to close the account nor did the bank inform him that his account has been closed.

These days cheques are required to get several types of loans sanctioned and such issuance of the cheque books without actual account is also a threat to the working of several banks and financial instututes. This incidence may be a part of a larger racket which might be working and many innocent people might become a victim of it.

Sir, I would request you to kindly get the entire matter interrogated in view of the interest of the general public and bring rajiv and his accomplice amit Bhatia to book and also check the activities of the staff of the private banks who are openly distributing cheque books and many times these instruments land into the hand of notorious elements and are used for various financial crimes against the general public.

The matter was brought to the notice of the MD of the HDFC bank branch but for THE PROFFESSIONAL staff money is more important than the intrest of the general public and hence everything was done to save their manager and tell me that it was my mistake.

SIR, I WONDER HOW A BANK CAN ISSUE A CHEQUE BOOK WITHOUT EVEN OPENING A ACCOUNT AND SAY THAT IT HAS BEEN DONE AS PER THE RBI GUIDELINES AND IF ANY SUCH CHEQUE BOOK IS ISSUED WHOSE RESPONSIBITILY IS IT TO GET IT BACK. THIS IS NOT JUST A COMPLAINT AND SHOULD BE DEALT SERIOUSLY IN VIEW OF THE INTREST OF THE GENERAL PUBLIC.

Also a police complaint was made on 20/10/2010 and after no action an E FIR was lodged. If the matter is not investigated in time, I have apprehensions that the bank would change its records to save guard the manager

Thanking you,

Deepankar kapoor,
Him enfield, sidhpur dharamsala
[protected]
[protected]@gmail.com


pl suggest and help

Dear Mansoor Ansari / S.N.Karosia ,

As you are well aware the Home loan request no. [protected], in the name of pardeep sharma , on behalf of pardeep sharma , I have given to you Rs.3000/- details of Rs. three thousand is i.e Rs. 2000/ for advocate fee , vide cheque no. 557538 dated 21.07.2010, and Rs.1000/- cash for technical clearance fee. As you are well aware that the loan not senectiion due to some technical reason. I am continue follow-up of my refund Rs.3000/- , but we are sorry to inform you that still i did'not receive my refund amount. Again I am requesting you to please return my advocate fee Rs.2000/- and Rs.1000/- for technical fee at the earliest. I am awaiting for your response. Pls return Rs.3000/- immediately receipt of the mail or otherwise , I am bound to register a case in consumer cell. pls. revert at the earliest.


BR
HARISH KUMAR BANGIA
[protected]

Dear Sir/Mam,

This is regarding my PF Account No : 6044
Establishment Code : 44571

Receipt No.Receipt Date From Type Status
91294143 [protected] Form 19 Form is under process
91294144 [protected] Form 10C Form is under proces

It has been over 4 Months. My PF is not yet transferred in my HDFC Bank Account No: [protected]

Request you to kindly look into the matter & revert with the status.

Thanks & Regards,
Sunil Sharma
Phone:[protected]
E Mail: [protected]@gmail.com

Hi,

I constantly get pesky marketing calls from HDFC Bank Ghatkopar branch , selling personal loans. The caller informs me that his / her Branch Manager has asked to call HDFC Bank customers for product marketing.

It is very irritating and annoying to attend these calls, even after telling the branch representatives not to call me for any product marketing.

Inspite of multiple complaints to my personal banker (Tushar) I keep getting these calls from the Ghatkopar branch.
Last year Kurla branch used to harass by calling me again and again.

The numbers that I get calls from are as below
[protected] -- last six to nine months.
[protected] -- last year, but calls have now stopped.

If these calls are not stopped, I am also going to raise this issue with TRAI, Banking Ombudsman and police. Then you keep answering calls from them.

I am registered on DNC since last 2 years and do not get marketing calls from any other bank except HDFC Bank. I have taken all the necessary steps to ensure that I do not get called for any marketing campaign [except from my Personal Banker].

Regards,
Guru

Dear Concerns,

I took a personal loan from HDFC bank in may 2009 of Rs. 80000 only, which is deducting Rs. 3217 every month from my HDFC account as ECS, i am paying my loan very honestly from last almost 2 years, but in meantime some of my installments were overdue maximum by 2 days due to my salary credit date, for which i have already informed to loan department many times but no action took till now. moreover they have deducted installment of Rs. 3217 twice in month of march 2011 (1st time- 12 march 2011 & 2nd time- 14 march 2011), when i have called them they said that the amount which they have deducted that is charges of 8 over due installments charges, late payment charges any many more, i am a salaried person and also have other payment to close every month which is definately preplanned by me, they have distruct all my strategies this month, as well as loan department CSEs are also talking so rude to me. Even i have already paid Rs. 1200 already in 2009 & 2010 for such late payment penalties, i am really very upset due to such unfair, unprofessional & cheating exercises done by a so called reputed bank. please save my rights.

On 14th March 2011 I sold 100no ICICI bank @1014 around 10.39 am through NSE. I was a margin call in which I didn’t give mention any stop loss. Around 11 am I gave a fresh call to purchase 100no ICICI bank @1018 through NSE around 11.09 am. It was again a margin call.
I wanted to minimised my risk exposure hence 2nd call was given and it was not a square off call against the first order. But HDFCSEC’s most intelligent software did that for me and in the process I lost huge amount.
When I called their customer care executive she couldn’t even explain me the reason. After keeping me on hold couple of time she only told me that their software was designed like that. They could accept it as a fresh margin call in case if I would have placed that order in different exchange.
In HDFCSEC, we need to transfer money from our account in order to go for any margin call. So every purchase I made, sufficient margin money was there in my account. Even after that HDFCSEC took decision on my behalf without even asking any consent from my side there I want to square off or not. Their software don’t allow customers to place fresh margin order in the same exchange!!! That’s the most weird thing I have ever heard.
My trading account no is 507706.
Exchange reference no of the 1st order is [protected]
Exchange reference no of the 2nd order is [protected]
I am sure like me many customers are annoyed with bad trading software of HDFC Securities backed by poor customer support. Our money is going down the drain and there is no effort to correct it.

regards

Dear Sir/Madam,
I am the account holder of HDFC Bank(Complain No. PUN073721)
My card was retained yesterday (i.e[protected] in ATM near Pimpri, Pune.
without prior information to me and without the expiry date of my card.

I havnt received the Debit card till date.
Also I need the explanation from HDFC BANK that how they can retain my card, without prior information to me.

It’s fraud at part of HDFC BANK to retain the card holder’s card unless new card is issued to him.

Kindly justify this issue, provided I need the Debit card on priority.

For your needful action

Your faithfully,

Suhas Rao

I want to inform that I applied for a single premium policy for Rs. 1,00,000/- only. on 1st Feb 2011 from HDFC Life, Hdfc Bank, Mehrauli Branch. Policy no. given to me was 14175801 now even the no. has been changed to 14230918.

I was assured and confirmed that the sum assured would be Rs. 5 Lacs only and it is mentioned of the application form. I have the photocopy also for the same. But as per the policy bond given to me by HDFC Life 1st page the sum assurance is Rs. 1.25 Lacs only. And then HDFC People confirmed me that they will change the same and give me the new bond within one week time but I did not receive any updated Policy bond till yet. Again I was confirmed by HDFC Life customer care people that I would get the updated bond by 5th March but I did not get the same till yet again. Now they say that I would have to fill the form again which I have already filled 3 times earlier. I bought this policy for 100% income tax benefit but HDFC people are not trying to understand my problem and not able to solve my issue.

You are requested to do the needful from your end at the earliest ASAP asI need to submit the document for Income tax benefit purpose.

Please do the needful.

Thanks & Regards

Anil K. Arora
[protected]

MY HDFC Bank Saving Account no is [protected] , Branch KAZHAKKOOTA. This is a Salary Account.

On 3rd March 2011, I received a sms Stating 'Credit Rs 15000 or More through cash/chq/NEFT/RTGS in your HDFC Bank Account and use HDFC Net banking or debit card before 31st March and Win an assured Travel Bag'.
Sender Name is being Displayed as DM-HDFC Bank

Please let me know whether it is a fake message or true?
and if it is true..if there any condition..if yes..let me know....
If I have wrong Categories or Sub Categories, Please correct it and farward to Right Deparment.

Please Reply
Thanks..

Avinash Rai

i have sanctioned a personal loan amountg to Rs 1.00.000/- My PL loan account number is 16297961 and i am payying emi regularly from last more thatn a year without any bouncing. On receiving a perposal from the bank I had applied a top up loan of rs 2,00,000/- and it was decided that after decution of present loan amolunting to Rs 80,000/- i will get rs 1,20000 and fresh loan of rs 2,00,000/- will be repay again in 48 instalemtns I have completed all the formalities including signing of agreement and submission of all docusments but till date i have not the lolan. I am class -1 central govt officer and the loan olf the bank is 200 percent secure since I need the money urgently please get it dusbursed at the earliest.

P.K.Mattu
house no,2184/3 sector 45-c chandigarh

mobile number is [protected]
email address is [protected]@yahoo.co.in24870

I HAVE BEEN DEBITED AMOUNT FOR APPLICATION OF HDFC TAX SAVER FUND.HOWEVER NO UNITS WERE ALLOTTED OR COMMUNICATION ON SAME SENT. I LOST:
1) DIVIDEND AS I THOUGHT I AM HAVING THESE ON RECORD DATE
2) TAX BENEFIT - THE DATE OF SUBMISSION OF INVESTMENTS ELAPSED
3) INTEREST - HDFC USED MY FUNDS ILLEGALLY IN THE MARKET WITHOUT PAYING ME INTEREST OR THE COURTESY OF APLOGISING

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