NOC for Loan No.90357310
Sub:- Wanted NOC for re-payment of Loan against Loan A/c No.[protected] Final settlement),Customer Id No.90314797
Sir,
I had emailed my complain to racreceipts @hdfcbank.com. In response, they wanted to confirm my Loan A/C no. and which I re-confirmed through email. But my problem of receiving NOC has not yet solved. On 05/08/09, a phone call was made to me by HDFC, DALHOUSIE BRANCH, KOLKATA ([protected]) and pressuring me to deposit the over due amount . I had asked, why they are asking for money ? In reply, they emailed me the statement. But verifying the statement, I have found some anomalies / facts which are as follows :-
1. They shown in the statement that 02 installments were bounced on 03/08/2007. I wanted to know on what grounds two installments were bounced. They failed to answer my question.
2. Statement shows two installments were bounced on 03/08/2007 but installment end date was 05/07/2007 (as per statement), here lies the question, if installments were bounced – why communication was not made immediately?
3. What are they doing for last 2 years? Is they are waiting for huge amount of over due charges ?
4. They shown ( in list of PDC’s bounced) that 02 cheques were bounced on State Bank Of India, Suri Branch (West Bengal) . I have communicated the bounce message to the Bank authority and I found there were no reason for bouncing cheques on my Savings Bank A/c bearing No.[protected]. I thought the cheques were not produced for payment in due time ,if it were bounced.
5. Earlier on 30/12/08, when I came to know through your agent named Hiranmoy Chatterje ( Mobile No-[protected]/[protected]) of S.K.Associates, Suri, Birbhum), I have repaid 2 installments Rs. (1575/- x 2=) Rs.3150/- in cash to your agent vide Receipt No. 13929727 dated 31/12/08 without delay believing NOC will be sent to me within 15 days (i.e.15/01/2009)as he promised .The Money receipt clearly indicates that, the amount Rs. 3150/- is taken for settlement. So there is no negligence from my end.
6. It is worth mentioning that, statement clearly shows – payment received against Cheque no. 00240295 and[protected]Installment no. 17 & 18) on 05/06/2007 & 05/07/07 respectively. On the contrary, the same two cheques were bounced once again on 03/08/2007- how did it happen?
It is a simple theory, if a person loaned Rs.26000/- and deposited Rs.24000/-there should be no problem to submit the rest amount and save his property amounting of Rs.50,000/-.
According to the statement (send by HDFC Bank) , my 18 cheques were already encashed and no installment can be due, so there should be no problem to send my NOC from your end. It is also stated that , refund Rs.3150/-which I deposited on 31/12/2008 is lying with you as an excess amount (according to the HDFC Bank statement).
In the mean time , HDFC , Kolkata Branch communicated me through telephone and said me to deposit an amount of Rs.897.94. on 02/11/09 and send a legal notice (CHAKRAVORTY & CO.)and instructed me to paid Rs.2271.84 within 05 days of the receipt of this letter.
Sorry to mention but compelled to say that behaviour of employee or collecting agent of HDFC Bank is very poor. They even not thinking twice to use abusing language. I am an West Bengal Govt. Employee . Being a respectable person I am really felt harrassed , deprived and insulted for such irritating behaviour of HDFC Bank and their staff.
Hope your good will, will help me to receive my long waited NOC as well as my excess amount at the earliest from your end. In this regard your response is expected within 09/11/2009,Otherwise I will compell to take other procedure as law permits.
(* IT IS WORTH MENTIONING THAT I HAD FINANCED FROM CENTURIAN BANK, DURGAPUR BRANCH, WEST BENGAL)
Yours faithfully,
SANJOY PAUL
(Loan A/c No.[protected]
Subhas Pally,
Near Hanuman Temple,
Post-Suri, Dist- Birbhum, Pin 731101.
Mobile No. [protected]
Email ID:[protected]@rediffmail.com
Aug 14, 2020
Complaint marked as Resolved 
Sub: Complaint Against HDFC Bank Credit Card Nuisance
Reference : HDFC BANK CREDIT CARD NO: [protected].
Dear Sir,
I regret to inform you and for your kind notice that I was holding and HDFC Bank Credit Card vide no: [protected]. In that card, my credit limit was Rs.2, 38, 000/- and after that Bank has revised and reduced the Credit Limit from Rs.2, 38, 000/- to Rs.1, 77, 000/-. I have used my Credit Limit and I have already paid Rs.2, 77, 371/- against my Card as per their statement dated 17.03.2010. I had no outstanding against my Card. Only some Interest Charges were Lying in my Card.
On that basis, I have requested to Bank to settle and convert my some Interest dues amount sympathetically in to fresh simple EMI after reversing all the Late fees, Extra Interest Charges and the unnecessary fees charged by the Bank Intentionally. Due to my tremendous financial problem, I was not in position to submit my children’s school fees and house rent also which already I had discussed this matter frequently to their customer care executive over phone & at least 14 to 15th times and sent 14th to 15th frequent reminder letters also.
If you see the Receipts & Payments A/c of my Card, from beginning to end then you can easily observe that, I have made already over and excess payment against my used amount through card. If you see my accounts I have already paid the excess amount which the money I have used through Card. If the bank waive my unjustified Interest and Late fees, then nothing outstanding will be pending against my card. Which amount I have used against my Credit Card, Out of that, I have made excess payment against my used amount.
Being a preferred customer for long time, I have changed my address, phone no etc honestly. As a result of which, their Recovery agency/goons have started to hassle me mentally and also my wife, not only that, they also used abusive and very rough language over phone and came to my office and insulted me in the front of everybody with very abusive and slang language and told me to make the payment immediately, otherwise they will attack me and my family with their team and told me that, they will thrash me in the front of my society and also told me that they will abolish me from my job. I am a very simple Private Company’s employee and simple middle class family. That incident happened for last 5 to 6 months. After completion of their mental and physical harassments, HDFC Bank has sent the Legal court notice to my address. I am a very simple and middle class family member and a very simple employee of a private company. Bank continuously pressurized me to take the credit card.
Trying to claim huge amount intentionally from customer, that is the practice of HDFC bank .Please tell me, Is it a Reputed Bank ???
My Credit Limit was Rs.1, 77, 000/- and I have paid Rs.2, 77, 371/-. If my intention was bad then, why I will make the payment for Rs.2, 77, 371/-. Their Intention is how to raise the Interest amount and late fees unnecessary and pressurize to customer mentally. Trying to claim huge amount intentionally from customer, that is the practice of HDFC bank . Is it a Reputed Bank ???
Due the tremendous mental harassment to me and my family, My wife is not well and she also feels very insecurity. Please help me and my family from HDFC Bank’s Credit Card nuisance.
Thanks with Regards,
Manas Ray Chaudhury
Bhopal.
NB: Threatening Calls came from Phone no:[protected]. Mr. Manjit, Mr. Hitesh, and one Lady (Not told her name)
[protected]Mr. Sunil, Mr. Dubey [protected])
NB: In spite of repeated request, the HDFC Credit Card Division were not Co-operating with me. Their actual Intention is bad and how to harass the customer mentally and physically in public place.