HDFC Bank Complaints & Reviews

I have given the request to widraw 1000/Rs. from HDFC ATM (By using Kotak ATM card) on 6th Oct 09 time 7:42AM but ATM out put is 600/Rs. only. I have same shown to security gard available at ATM and also wright a note in complaint register as well as i have also launch a complaint to Kotak bank customer care(complaint no. I_[protected]. till now i have not receive 400/Rs. back and also Kotak people saying this is not our ATM we can't do any thing. please suggest what i need to do next.

Dear Sir,

I have taken a car loan from HDFC bank and my Loan account number is 15323376. My first EMI was deducted on the due date. The second EMI (through ECS) which was due on 05-Nov-09 was bounced and I was given the information that now I have to go to the SBI branch to get a new mandate form verified and then submit it to the Safdarjung, New Delhi branch of HDFC bank. The SBI branch is there in Varanasi (U.P.) and I am here in Ghaziabad. It is not possible for me to do all these. I had a word with customer care executive 3 times and every other time got a new information.

They are charging me 500 Rs for changing of payment option as ECS is not getting hit I have no other option but to change the payment option to PDC. I am ready to pay the EMI but still they are not happy with it they want more than that with no reason. The reason for bouncing of ECS also is not clearly mentioned.

Kindly look into the matter and inform me what to do next.

Regards
Tanu Tuli
[protected]

I lost my debit card and subsequently I applied for a new debit card in HDFC Sallake Sector - V Kolkata, branch on 4th of November 2009. I was told at that time that I'll get my new debit card within 7-8 working days. Today(13/11/2009) I was told by phone bankinging officer, the acting branch manager (Mr. Abir) that they can not tell when I am going get the card. It has beeen dispatched from chennai and it may take another 7 days to get that. When try to lodge a complain I was told by their representative Ms. aprajita that unless and until it is more then seven days from the date of dispatch they can not take any complaint.
The HDFC bank system is such a lousy system that they are taking almost 14 days to issue a fresh debit card.
In addition to that the sector - V branch is having problem in cheque clearance also they are never clear the cheque in time.

I WAS HOLDING A CREDIT CARD OF HDFC BANK WITH CARD NUMBER ENDING WITH 5333 .I SETTLED MY ACCOUNT AS THE BANK WAS DEMANDING RUPEES FIFTY FOUR THOUSAND BUT LATER THEY GET READY TO SETTLE IT IN TWENTY THOUSAND RUPEES (20,000) IN FULL AND FINAL SETTLEMENT IN TWO SHOTS OF RUPEES TEN THOUSAND EACH(10000/).A LETTER DATED 20/07/09 WAS GIVEN TO ME AND WITH RECEIPT NUMBER:4697120 AND 4772907 WITH DATED 28/07/09 AND 28/08/09.NOW THE BANK SEND ME AGAIN A NOTICE THAT YOU HAVE TO PAY 37000/ RUPEES MORE OR YOU CAN SETTLE IT ONCE AGAIN AND THEY ALSO TOLD ME THAT THE LETTER BECOMES INVALID AS YOU HAVE GIVEN YHE PAYMENT IN TWO SHOTS.

I AM VERY FED-UP FROM THE BANK PERSON WHO KEEP ON TORCH ER ME AND MY FAMILY BY CALLING ,MISBEHAVING AND BY SENDING NOTICE.


I AM NOT IN THE POSITION TO GIVE A SINGLE PYE TO BANK .SO KINDLY HELP ME FOR THE SAME.RGDS ANURAG [protected].

Hi This is Dipty Patel, i swap HDFC credit card on 5th January 09 & then after 2 days i received call from hdfc to make payment of 200 for card swap fees, i paid that, then 12th feb i made 490 payment, * then made 5000 cash payment but shows only 690 payment i have been payed, while talking to HDFC executive they were very rude,,,,

finely after 2 & half month i come to know the status of 5000, by mistake they have transfer to my account only..
till now i have not received any statement from hdfc for credut card,


from last 4 months they are just telling m,e "aap abhi 500 rs pay kar dijiye with in 10 days we will send you full & final statement, but till now i have not received any mail.or courier from ther , then too i trust them & making my payment every month after hdfc call, now they are asking me to pay 10000
more.

Please help me out for this....

In February 2009 I had an outstanding money of Rs. 46867/- in my HDFC credit card. Tired of the horrible response of their customer care, I broke my card and sent it to them along with a cheque for Rs. 44000/-. I was told by their Executives that I am eligible for late fee waiver and so I had deduced Rs. 2687/- and paid the remaining amount. I wrote a detailed letter also to them. Till date there is no response from them for the letter. In July suddenly their Executives started calling me that I have an outstanding amount of Rs. 10000/- on my card. I was shocked!!! They had charged me interest all these months and now it has risen to Rs. 12000/-. I wrote a letter to them in February 2009 and they don't have the courtesy to respond for it. And without resolving the problem then itself how come the bank continue charging Interest in it. The bank has an obligation to listen to its customer's compliants and HDFC bank has not done this. Now they are BLACKMAILING me that they would not give ROC for my car loan (again from HDFC) unless I pay this outstanding amount. Is there any one who can help me out on this?? I definitely want to fight this day-light robbery done by HDFC.

Name: Mrs. Ranju Chopra
Fiat Punto Multijet Emotion pack

Shame on HDFC auto loan dept. NEVER GO TO THEM
Hi friends I want to share with all of you the harassment I went through and still going through by HDFC bank auto loan dept, so that in future people planning to take a loan from them stay alert. I applied for car loan at HDFC as my previous dealing with them was very very smooth. But this time I was in for a toss.
I applied for a loan of four lacs in name of my mother by depositing following documents of my mother at 10%pa reducing with horrendous pf of 3400. Just because I was in hurry and thought they would process my loan at the earliest seeing my previous track record.
1. Passport
2. Pan card
3. Six month bank statement.
4. ITR for two years with balance sheet.
5. House tax receipt.
6. Water bill receipt.
7. RC of my old car financed through HDFC, though on my company's name.
8. Post paid bill.
People involved
Rama:- Tele caller who called me and gave me false hopes this Saturday.
Bijendra The field assistant who has been following up though a nice guy but very lazy, and lack of interest in work or has too much to handle. Is trained to take from customer, just keeps taking with no change on his end.
Vijendra The Team leader for these fools, has audacity of asking me for DST charges, never picks up phone and when he does he acts ultra-busy all the time and asks me to call him back as if am one of his employees.
J.S. Ahuja: Biggest hooligan of them all has no manners to talk to his juniors of his clients, lacks all the knowledge, Don’t know who made him relationship manager. Though he thinks he is President of HDFC LTD.
I applied for loan on my mother’s name, my father does online advertising through google on her name, and thus we get cheques directly from google USA on her name.
For over a week they didn’t do anything about my loan because according to them documents were incomplete.
After first four days they started asking for company’s proof, when we don’t need any company to run this advertising business and we applied for loan on her name not on any company’s which I had made clear on first day itself.
Next three days they kept asking me for contract, I called the guy Bijendra (sales exec for autoloan) at my house and gave him all the copies of google adsense setup with monthly payments.
But that wasn’t enough now these people starting asking for TDS certificates, It took them three more days to understand how can they ask for TDS when all our cheques come from USA. Mr J.S AHUJA doesn’t understand anything about TDS for him TDS certificate and Direct tax are the same thing. After these 10 days I had lost my cool and started threatening them of closing my loan file but one Mr. Bijendra who is handling my case kept on consoling me of early action. On this occasion of TDS topic he made me talk to this J.S Ahuja, who was first as rude as he can be with Bijendra talked to him like his servant and also told him. “I don’t have time to talk to such people, such people don’t understand anything and not to waste his time. When he clearly knew I was on line and Bijendra kept telling him that customer is online. When he spoke to me, just for the sake of early processing even now I kept my cool and explained to this stupid guy difference between TDS and Direct tax certificate. He spoke in a very cold tone as if I was a beggar asking for money from him though in reality it should have been the opposite.
Anyway after these 10 days I again sent Direct tax certificate for two years, In hope of loan being approved as soon as possible, though it wasn’t necessary when I had already submitted Stamped ITR from Govt. of India.
At 12th day Thursday my loan was approved and I got a message from HDFC. Bijendra came to my house same night that is last thrusday to get all the document signed. I was very frustrated but still had a sign of hope, but my saga still hadn’t had to come to an end, he asked for eight cheque leaf’s when we only had six. He hadn’t informed in advance as to how many cheque leaf’s are required, and I didn’t know that because we opted for ECS and thought only one or two must be needed if any. Dead irritated from HDFC and this guy and his boss I gave him another bank’s cheque’s my account where is just a month old, along with statement for one month which I had in my folder by chance. He also tried to act smart and get me sign PF for 3900 when it was 3400. Anyway he assured me that my case is what he will do first thing in the morning.
Friday till 4 this guys wasn’t at office and was traveling all over the town. He kept asking me to call different people from HDFC about my loan, which I kept doing to just get a cold reply. At 6 he tells me these cheques wont work they need cheque from the same account whose statement I had attached with original documents. I asked him push these cheques only as I was as it is going to close the other account soon. He said he’ll try. He also was too careless in receiving the Fax for insurance cover note and receipt for advance from Rama motors. Day passed.
Saturday this guy (Bijendra) was on a leave and he asked another of his friend Rama to follow up with me on his behalf. Meanwhile I had messaged bijendra if I don’t get delivery on Monday our deal is off. My sales exec at Fiat kept on trying faxing Insurance cover note and receipt but their faxes (HDFC) were always busy. Rama also didn’t reply to my calls till afternoon 2oclock, when she finally said she’s in a meeting with her boss sorting my case only. And she will call back. She called me back at 4 told me my file has been pushed, and I’ll get the Delivery on Monday on behalf of some D.O (Delivery order) Which I had previously asked at Fiat Rama motors they refused to give the car on basis of D.O. She assured me that their manager will talk at Rama motors and get the car delivered. Meanwhile my sales exec at Fiat also told me that documents have been faxed. Day ends.
Sunday HDFC is off, I went to do PDI of my car which Fiat punto multijet at rama motors okhla it had arrived on Tuesday only. I tried to force them for a delivery on basis of D.O. on Monday which they failed to reply me back, I gave them DD for the balance amount and leave.
Monday(Today) 9.11.09, all excited when my loan will disburse today or tomorrow nearly after two weeks of application and harresment, I called Bijendra to my horror all he has to tell me is that my cheques from the new bank wont work which he told me on friday itself. I’ll have to arrange cheques from other bank itself. I was shocked, surprised, felt cheated again. And to my surprise he still hadn’t received cover note and receipt, I told him that Fiat sent it I heard the fax tone, He said he’ll look for it. I asked him why Rama had assured me, he said he’ll get back. Again no calls from him. I call him again in afternoon but he again tells that these cheques wont work. I slogged from my office to my bank to get a new cheque book waited for one hour to take the cheque book. Now my tone of talking to him had changed but nothing used to bother him no matter how rude I was he stayed unaffected. After getting the cheque book I asked him to tell me one final date after talking to his boss and then only I’ll give the cheques. He said he’ll talk to his manager; he gives me a call at 7 and tells me that his manager has refused to give loan to Rama motors because of some previous altercation with them. I was shocked I shouted at him whats wrong with his F. manager. Bijendra pretended to be on my side and assured me that he will get this done anyhow now its about his honour and what not bullsh.. I asked him to ask his manager to give me in written from HDFC bank that they are refusing a loan to rama motors he assured me he’ll get everything started tomorrow morning after I sent the two cheques there. He still hadn’t checked cover not and receipt as he was out.
He is saying that they will get DO issued tomorrow and that I fight with Rama motors to give delivery on basis of DO, he still hasn’t clarified when will the loan be disbursed it has been two weeks now I have been following up but to no avail. Shame on you “HDFC auto loan dept.” May you rust in hell.
In all this while SBI at 8% and 9% for two year, BOI at 8.5% would have approved my loan.
Axis had also quoted me 9.75% and PF of just Rs1500 also time of 3 days. But I was a fool to still choose HDFC now am stuck with them because I have been constantly made to believe that its just two more days, when in reality two weeks have passed don’t know what to do with them.

Latest Update Today (10.11.09)
Tuesday, Now I have sent them complete cheques, my file has been sent for processing but completion is still stuck because the TL ‘Vijendra’ is asking from me some DST charge of Rs.2000/- which Rama motors don’t give them hence shamelessly to my utter horror he asked me to change the dealership, or I give them that money. Bunch of loosers. I told him clearly that I won’t give a penny more. To which he has to reply now.
7:00PM Just had a word with Vijendra the Team leader. He told me bluntly someone has to pay that money be it Rama motors or me, this is nothing but harassment. I asked him to close my loan and give me in written that they don’t give loan to Rama Motors and for the same am closing my file to which he replied “Rama walo ne accha sikhaya hai aapko.” I know how I held my cool then. Except Bijendra none of the people at HDFC car loan know or have manners to respect customers very shameful. He has asked me to call tomorrow at 11:00 Am. Am I a buyer or a seller here?
Anyway have applied at Axis aswell now as I have very less faith in them but my dealership says now there’s nothing they can do since my file has been sent with cheques for processing, they are just trying there luck but I don’t believe anyone now.

This below written letter has been sent to Hdfc Bank Customer Care but no reply given from the customer care & The manager of HDFC Bank Cards Division.

To,
The Manager
HDFC Bank Cards Division
Prince Khushal Towers, 96 Anna Salai,
Chennai – 600002.


Sir,
This is to request you to please stop phone calling & letter sending regarding to the Credit Card A/c. [protected]. as soon as possible as the A/c. has been requested to close by sending Fax: on[protected], at Fax No.[protected] and fax has been received.

while I had already closed My Credit Card A/c. by sent a Letter through Fax on[protected], to above mentioned FAX No. & Dated. why your Card Division has unnecessarily generating continue the letter of debit amount on my A/c. And sending it to me?

As per your letter Ref. No.[protected]R0031878 Dt. 06-08-09 in the 2) No. massage at the bottom of the letter is clearly written that as per basis of my request the credit card A/c. has been cancelled.

If, as per basis of my request that my credit card A/c. has been cancelled than how did the bank raising debit amount in my A/c., because the date I had faxed my request letter is[protected]. and I had no any dues on that day in My Credit Card A/c. I have never been used my credit card except one Bajaj Allianj Policy given as per telephonic conversation unexpectedly. I had letter called Bajaj Allianj over telephone to close the policy any how that my Credit Card A/c. not being close due to the policy.

Please investigate the A/c. properly and terminate the process of sending Dr. Letter to me and obliged.

Please do the needful as earliest otherwise you bount me to go to the
West Bengal State Consumer Disputes Redressal.



Your’s Sincerely,


( Purna Bdr. Chhetri)

Respected madam,

I am an employee of hdfc bank in bangalore. I want to bring to your kind notice that some unscrupulous elements in the name of advertising are invading our privacy rights. All the employees are fed up of this day to day matter. Even during the office hours this has become a regular feature of some of the unwanted elements to use our premises in the name of advertising their products either consumer durables/ cine stories/ teleserials. I myself being an auditor from bureau veritas has taken the pain to bring it to your kind notice. I would appreciate if you would exercise your rights in this matter. I am bringing it to your notice as a concerned citizen of india.

Thanks & regards,

Navarun chakraborty

dear sir. i am using hdfc cradit card CARD NO.[protected] LAST 3MONTH I AM NOT PAID ANY AMOUNT I HAVE HDFC SAVING SALARY ACCOUNT S/AC. NO[protected] FOR MONTH OF OCT.09 SALARY 7769=00 HOLD I TOLD BANK PERSION I HAVE PAID MIN.3300. PL AMOUNT. BANK PERSION SAID YOUR SALARY WITHIN 15 DAYS CRADIT YOUR CARD PAYMANT . IHAVE TWO CHILDREN GO TO SCHOOL THIS MONTH A AM FACING BIG PROBLAM LAST THREE MONTH VERY BIG FAINANCIAIL PROBLAME PLS SIR I HOPE YOU GIVE RIGHT FOR MY FAVAR. ASLAM KARIM SHAIKH 022=27658183/ 32674129 MOB [protected]

Dear Concern,

As per record HDFC bank has Despatched two Cheque Books Details under neath--

Cheque Book requested date 27/10/2009:

Cheque Book has been sent to your mailing address A-207 A-2 OM APPT,SHALIMAR............ via Overnite Courier vide Airway Bill Number [protected] on 28/10/2009 and it has been delivered on 04/11/2009.


Cheque Book requested date 30/10/2009:

Cheque Book has been sent to your mailing address A-207 A-2 OM APPT,SHALIMAR............ via Overnite Courier vide Airway Bill Number [protected] on 31/10/2009 and it has been delivered on 04/11/2009.

But the same is not received BY me.

PLEASE CONFIRM THE EXACT STATUS THAT WHO HAS RECEIVED THIS OR FROM WHERE I CAN COLLECT THE SAME.

Thanks
Ujjwal Waghe
[protected]

oN 07/11/09,AT 9:30AM,A PERSON WHO INTRODUSES HIMSELF AS AN S.P. DELHI
POLICE(?) CALLED TO my sister,AND TOLD MY SISTER THAT YOUR BROTHER NAMED NIKHIL KUMAR
SRIVASTAVA.S/O:MR.P.N.P. SRIVASTAVA,HAVING ADDRESS:

so & so

HAVING HDFC CREDIT CARD NUMBER [protected]()WHICH DOESNOT BELONGS
TO ME),HAVE DUES OF ABOUT 67000.00RUPEES AND IF HE NOT SUBMITTED IT
TILL 12:30 P.M.DATED 07/11/09,WE HAVE TO MAKE AN ACTION AGAINST HIM,HE
ALSO USES UNMANNERD BEHAIVOURTO MY SISTER HE GAVE NUMBER OF MR.SUMER SINGH OF CHENNAI
COURT.WHEN I CALLED MR.SUMER,AND MR.RAJBEER,THEY PRESSURISED ME(
) TO SUBMIT THIS MUCH OF AMOUNT TILL 12:30,OTERVISE I
WILL BE IN PROBLEM.

AFTER THAT,I CALLED HDFC CUSTOMER CARE([protected]-PREETI),AND DISCUSS
MY PROBLEM,THAT MY ACTUAL CREDIT CARD NUMBER IS so & so,AND I
DOESNOT AWARE WHY I AM PRESSURISED BY YOUR BANK BEHALF,HE LOCKED MY
COMPLAIN,HAVING NUMBER-[protected],AND SAID THAT THE MATTER WILL BE
SOLVED AFTER 2 DAYS,I REQUISTED HER TO PLS. SOLVE THE MATTER AS EARLY
AS POSSIBLE,BUT SHE RAISES HER HAND.

THEN I CALLED,LEGAL DEPTT.(HDFC)(rajeev-janakpuri),THEY ALSO THREATEN
ME TO SUBMIT 50% OF THIS MUCH OF AMOUNT.BUT WHEN I SAY PLS. COMPARE
BOTH CARDS,HE FOUND THAT THE FAULTY CARD NUMBER [protected] IS ON
THE SAME NAME BUT DIFFERENT MAIL ADDRESS:

NIKHIL KUMAR
BHARTI AIRTEL LTD.,
OKHLA PHASE 3,
NEW DELHI.

I ALSO CONSULT TO HDFC BANK,CLAL-CHOWK,THEY SAYS,THAT THEY CANNOT DO
ANYTHING,THEY CAN ONLY FILE COMPLAINT,TO HADQUATERS
WHOSE ANS. WILL ONLY GET AFTER 2 DAYS.

THEN I CALLED HDFC CHENNAI,THEY TOLD THAT BOTH THE CARDS ARE ON
DIFFERENT MAILING ADDRESS.

i WANT TO KNOW HOW SUCH A BIG MISTAKE DONE BY HDFC,AND WHO WILL
RESPONSIBLE AND PAY FOR ME AND MY PARENTS MENTAL HARASMENTS.GIVE ME
ANSWER AS EARLY AS POSSIBLE,SO THAT I AM ABLE TO MOVE FORWARD TO THE
MATTER.

THANKS & REGARDS
NIKHIL KUMAR SRIVASTAVA
CARD NUM-[protected]

Sir

Sorry to inform you that i am a credit card holder of your Bank.

Still now i have not recieved the bill for credit card payment and other statement details since august .Pls inform me that how could i get statement or other bills of my cradit card of september , october and november months...pls send me copy or statement for following months to my email address [protected]@yahoo.com

Kindly note my credit card No is [protected].If you had send the bill kindly inform me dispatch details of bill to avoid any delay for giving payt.

Awaiting your immediate reply.

regards

kamlesh bhati
Credit Card No.[protected]
Mob.No-[protected]

I'm sending this mail ob behalf of Mr.Jacob Rose Frank J[protected].

We took a HL with HDFC for Rs.49 lak and

we made a part closure of Rs.2500000/- with 2% FC charges.....Now he is not in position to pay the EMI and planned to settle the entire amt by doing a joint venture with a builder and by selling his owned native place property and pledging the jewels...

When i took a foreclosure statement on 31.10.09 i was really shocked by the FC charges....the details are..

POS - Rs.2220739/-
FC amt - Rs.75524/-(where fc charges works out to more than 3%)

I went to tambaram branch and requested to accept my FC payments as per the agreement and they refused....

Request you to help me in this regard.

Regards,

J.Mohan.

.

Dear Sir,

I`ve submitted my HDFC Credit Card ([protected]), which was used & unsigned on 11th July, 2008 at HDFC Bank, Bistupur Branch, Jamshedpur. The received surrender copy of the same duly signed with stamp of HDFC Bank is with me.

On May 2009, I’ve received a Bajaj Allianz Insurance package through HDFC Credit Card, which is still retain unused & got a bill (ref. no.[protected]R0023593) of Rs. 2572.59 against it. After that I have written a complain letter to the Manager, HDFC Credit Card Section, Kolkata on 12th June 2009. But get no response till date.

Again I have received a Bill (ref.no.[protected]R0023646) of Rs. 5144.38 on 06.11.2009.

My questions are:
1. How you they claim any amount against an unsigned & unused Credit Card after one year of cancellation?
2. Why my card was not blocked/cancelled in time in spite of giving me a duly signed surrender copy?
Herewith I’m attaching the received copy of my Credit Card Surrender letter as evidence.

Thanks & regards,
Ashok Chakraborty

I AM B. RAJA RAO DOOR NO 59A-16-4/3C 2FC SANTHA SOUDHA APARTMENT RTC COLNY 3rd PATAMATA VIJAWADA -520008 AP INDIA . I HAVE TAKEN LOAN IN HDFC BANK FOR RS 1.0 LAKH. MY A/C NO 11259544 VIJAWADA MG ROAD BRANCH I AM PAYING REGULARLY. IN THE MONTH OF OCY 2009 I RECEIVED CALL FROM HDFC STATING THAT YOUR CHEQUE BOUNCED AND IF U DO NOT PAY TODAY U WILL PAID HEAVY PENALTY . THEN I PAID . IMMIDIATLY I VERIFIED FROM MY SBI BRANCH VIJAYAWADA I AM HAVING BALANCE OF RS .> 6000/. I AM NOT AT FAULT . THE HDFC COLLECTED RS 450 / AS CBC CHARGES &RS 87/ AS INTEREST. AGAINST MY INSTALMENT RS 4363/ receipt no 80041602 dt 29-10-09 . SO PLEASE KINDLY HEIP ME TO TAKE BACK MY AMOUNT. THANK YOU SIR MY SBI ACCOUNT NO [protected] GOVERNORPET VIJAYAWADA KRISHNA DIST AP

Hdfc Sales Person Mr Inderjeet ([protected]) offered me some attractive gift on personal from HDFC. When he came to receive my documents he told me that he will provide me a gift after my loan will be disbursed after that i have given my document for processing.

Now loan amount have been disbursed but he is not ready to provide any gift even he is not picking my phone.

just wanted to share this so that other customer should not cheated like me.

SIR,
I HAVE APPLIED FOR CLOSING MY DEMAT AND TRADING ACCOUNTS ALMOST ONE MONTH AGO. BUT MY ACCOUNT IS STILL ACTIVE. PLEASE CLOSE MY ACCOUNT IMMEDIATELY.

NRIPENDRA KUMAR DAS
JORHAT BRANCH
ASSAM

I have purchased resale flat and applied for home loan to HDFC Ltd. at the time of submission of papers HDFC people were talking just like home loan will be approved and disbursed due to which i was kept trust and given assurity to seller that we will get cheque of loan soon, but after taking so much time by HDFC Ltd home loan department replied that Home loan is rejected due to i am working in proprietory Firm. They should tell me fisrt when papers for home loan placed before them. i would have tried some where else. due to this process burden of paying interest to seller come on me. who will bare that ? if people is working with proprietory concern than, does it mean that they people wan't get home loan or is it mean that people working with proprietory concern should not buy flat. i am totally unsatisfied with the process of HDFC Ltd.

Dear Sir

I took a car loan from Bank of Punjab in 2004 which later on because Centurian Bank of Punjab and now it has been taken over by HDFC. I had given post dates cheques as part of the loan formalities which were being deposited by the Bank regularly to start with. We never had any follow up from the Bank. At the end of the loan term when we contacted the Bank they said I have not repaid the full amount and they have levied a hefty fine - whereas they had not deposited the cheques on time. They never followed up on the instalments not recovered too which means they were unaware of the whole thing.

I do not want to pay any fine for the same. I would like to instead ask for compensating me for their lapse and putting me in hardship by asking for a lumpsum all at once. Please advise. I had written to grievance.[protected]@hdfcbank.com regarding this but the response is not hepful.

regards

Muthu