HDFC Bank Complaints & Reviews

Dear Sir, 22/9/2009
>> I was having Saving A/c No.[protected] and Fixed Deposit A/c No.[protected]Fixed Deposit for Rs. 25000/-)with HDFC BANK LTD> _ RAJKOT (Erstwhile Centurion Bank of Punjab).Now Bank had debited unauthorised Bank charges for non-maintaining of minimum balance im my Savings Account on 31/3/2005 Rs.660, on 30/6/2005 Rs.660/= and on 30/9/2005 Rs. 660/= for non maintaining of minimum balance of Rs. 5000/= eventhough I was having my Fixed Deposit account linked with this savings Account for Rs. 25000/=. A Reputed ????? Bank like Centurioon BOP now HDFC is not attending to the Grievances of its distant small customer. You are requested to kindly help me in the matter please. Due to debit o[censored]nauthorised Bank Charges without initmation of increase of minimum balance in Savings A/c I had closed my savings A/c in September-2008. I had complained them also but all are in deaf ears.
>>
>>Kindly help me to get refund o[censored]nauthorised Bank Charges debited in my A/c.
>>Thanking you,
>>Yours faithfully,
>>Sunil Karsandas Makhecha
>>[protected]@yahoo.co.in

I did not give any authority or approval of HDFC marketing calls for the SMS updates and alerts features.
When I asked to give me this details and proof if I did not get it. Because I always refused this facility and still in 2 hours I have got 5 SMS and it has flooded my inbox to full.
Regards,
Sunil Rathinam

This is Derick Godfrey from Chennai Thiruyottyur i just wanted to inform that i took a loan in HDFC bank but at present due to problems i am facing was not able to pay due for the past six month all i need is just time for another three month and i will pay the loan regularly But the agents who are in the Collections department would not listen and come home most of the time and ask for it which is annoying i spoke to them several time about coming to my house but they are not ready to listen so please help me in getting 3-4 month time and i would be reguler with my dues .

Thanking you
Derick Godfrey
no11/3c Rajashunmugam nagar 12th street
Thiruyottyur Chennai - 600019

i worked in hdfc ltd 10 months at new delhi i had left the job from this company but the last month salary i did not received whenever i talked to hr manager about my salaryhe makes the excuses pls solve my problem.
my company address is
HDFC LTD,CAPITAL COURT, MUNIRKA,NEW DELHI
MR( RAJAN HR MANAGER)
PHONE NUMBER[protected]
Thanks and regards
jaipal singh
[protected],[protected]

Dear Sir,
I, Vastav Sharma is writting this complanit on the behalf of my mother Mrs. Bimal Devi. One day a sales person from HDFC SLIC came to our home and he introduced his self as a employee of HDFC Bank and asked for a Fixed Deposite of rs. 3 Lakh. On tthat moment i was not at home and my mother gave him a cheque of rs 3 lakh. i was not aware about it but after completing one year we got call from HDFC SLIC for the next premium and i recieved that call then i asked to my mother about it. She told me that one year ago somebody came from HDFC Bank and asked for FD but till today we did not recieve any documents. I made a call to customer care of HDFC SLIC and asked for the policy documents. He told me firstly you have to deposite 3 lakh rs after that we will despatch you policy pack. this is totally mis-selling and request you to see the matter and help us.
Regards,
Vastav Sharma

Dear Sir/Madam,

I received a call from HDFC Bank[protected]at 12.00 PM today
from Arun and Anand( He said this person is manager) for Credit card payment.
I told them that i am going to pay whole amount before this saturday and said
all the late payment fees as well as i am going to close my account by paying full amount.
But i felt they are too harsh and shouting and scolding me for the same for Half n hour.
They tortured me mentally and they are saying that they are sending their persons to my residence.
They were asking repeatedly the same question only and i promised that i am going to pay the whole amount before coming saturday.
But, they again shouted on me and was talking in objectional language.
Please look into the matter and take appropriate action against them for torturing mentally and for objectional language.


Thanking you,

Regards,

Ajay,
[protected]

DIRTY TRICKS HDFC BANK ( MS. GAYATRI KRISHNA RAO ) PLAYS TO HARASS PEOPLE THRU UNLIMITED DEMANDS

20th September, 2009

How the Branch Manager Ms. Gayatri Krishna Rao of the “Churchgate HDFC Bank Branch” has been harassing us, for what- just to close the Saving Account of one of our family members (deceased) for so long, coming up every time with a new cooked up illegal and unethical demand.
BRIEFS

(1) After the sudden demise of one of our family member, we applied for the closure of the saving account (SBA). HDFC phone banking said - A simple application letter + the Death Certificate would suffice the purpose. We submitted. No result.
(2) On reminder, this Gayatri asked us to submit the Closure Form. OK. We again submitted our second letter + their Closure Form + the Death Certificate too, to their staff Mr. Kaushal Saiya on 10th June, 2009. Nothing happened.
(3) We lodged our grievance to their Phone Banking Services. We were given the complaint no. “MUN-054906” on 24th June, 2009 by Ms.Meena of HDFC. Again nothing happened.
(4) We again spoke to HDFC Phone Banking Services- Mr. Prartik & his senior Ms. Shilpa only to face all the vague answers.
(5) We pointed out to Gayatri that this SBA (with OD facility) of the deceased person could be misused by any miscreant. Hence the SBA ought to be closed immediately without any further manipulated delay. But this Gayatri remained too adamant.
(6) She cooked up a new excuse and said- SBA could not be closed as this SBA is linked with FD and these two could not be separated. How ridiculous.
(7) We have categorically mentioned in our closure application to de-link these FD with SBA and close the SBA.
(8) These FD were linked to SBA on our request only and thus could be very well de-linked as and when we want; as such a link is never mandatory but totally optional for the account holder.
(9) To authenticate the fact, we inquired with several banks and submitted the reply of the top leading bank SCB, categorically saying- “FD link with SBA is purely optional and could be de-linked any time as per the account holder’s wish.”
(10) ON this, Gayatri had to keep quiet over her illegal refusal to de-link FD & SBA.
(11) We reported the matter to Media. And thus being frustrated, this Gayatri demanded a heap o[censored]nnecessary documents from us with hell of the tedious formalities as follows.
a) ID & address of the Claimant & ID proof of Legal Heir
b) 2 Guarantors required. (Should not be relatives)
c) ID proof & latest Salary slip or IT returns copy of the guarantor.
d) Letter of Indemnity to be franked for Rs 300/-
(12) We clarified categorically that all their demand are totally illegal and unethical as they demand to follow heap of tedious formalities with Rs. 300=00 stamp paper; while the balance in this SBA is Rs. 13=71. (Thirteen rupees and paise seventy-one only.) Hence we have forgone our claim for this trifle amount.
(13) And for closing the SBA, the needed closure form and death certificate were already submitted to them hundred times.
(14) NOW- WE GOT NO REPLY from Gayatri as it seems she has fallen short of any more harassing dirty tricks.
(15) We emailed our grievance to “HDFC Grievance Cell” and what they have done to us. They made a mockery of our grievance.
(16) “HDFC Grievance Cell” said- WAIT for 5 working days for our reply. And then, after 5 days on our reminder, they again said- wait for further 5 working days. And after the next 5 days, then said- wait for the next few days. And their such demand to wait further and further is still going on since 11th July, 2009.
-R K Agarwal. Mumbai.

Dear Sir,
This is to bring in to your kind notice that I’m an HDFC Bank Credit Card Holder with card number ([protected]). This was a renewed number which was allotted to me when my card was stolen in the month of October, 2007. I’ve registered a complaint in the HDFC Customer Care[protected] and they blocked my previous card number ([protected]). But I didn’t receive the new card on my own wish as I didn’t want to use it any more. But, when I lost my card in the month of Oct, 07; it had a balance of Rs. 26652.02. I never made any purchase as I didn’t have the card. All purchases which was showing in the statement is based on the late fees, one cash-on call EMI of nearly Rs. 700/- and finance charges over the total outstanding amount ( Total Outstanding Amount has a good support of late fee charges imposed on me every month ). I’m continuously paying all the charges Bank’s callers asked me to do with some gaps. But these gaps are just because of the fact that I wasn’t receiving the Statements continuously. During my last correspondence Address (S-33, Top Floor, School Block, Shakarpur, Delhi-92); I’ve received only 3 statements for the month of Feb, March and April, 08. Rest all days; I was blank as far as payment is concerned. How can I judge as what I had to pay and when until I get a hard copy of the statement? I resided at the above mentioned address from March, 07 to October, 09. And in this 19 months, I’ve received only 3 statements and when I received those statements, I never got late in payment. I’ve talked with Bank’s callers who used to call me for the payment when I was late due to non-availability of hard copy of the statement; they always promised me that they would ask their Collection-Executives to provide me a duplicate copy when they would come to me to collect the payment but it never happened. Then they start saying that they are mailing the statements over my e-mail ID but I’ve told him that I’m not a continuous user of Internet. So, the problem remains the same and I’ve paid Rs 40283/- from the date when I lost my card. But when I lost my card it had a balance of Rs.26652.02. So, I’ve already paid Rs. 13630.98 extra without any cause. So, first of all my late fine should be waved-off and also the finance charge incurred over that. But now I have changed my Correspondence Address from S-33, Top Floor, School Block, Shakarpur, Delhi-92 to S-9, IInd Floor, School Block, Shakarpur, Delhi-92 in the month of November, 08; and I have updated in the HDFC Bank’s system through their callers and they are continuously collecting the money from my new address. Still, I’m not receiving any statements (hard copy) from the bank and its being 10 month’s at the new address. So, can you plz ask to refund extra paid money as well as the finance charge incurred over it to me. So, the late fee charges imposed during November, 08 to Sep, 09 would be11x500=5500 and late fee charged when I didn’t get the statements (at my last address) for 16 months would be 16x500=8000. So, you are requested to ask to refund the extra paid Rs 13630.98/-.
When my request of considering the problem of not getting the hard-copy of the statements and waving-off (late fine charges with finance charges incurred over it) request was not entertained by HDFC Bank’s Callers, Collection Executives and Customer Care Number[protected] I finally asked their callers to settle my account ASAP. The Customer Care Executives of the Help Line Number[protected] raised finger over my intention of not paying the money and didn’t register any complaint. Can one can raise finger over my intention after going through my payment details (I’m attaching the details). By the way, Then finally, I decided to go for a settlement and asked the Callers and the Collection Executives to settle my account ASAP. They promised me that it would be done soon and they have forwarded a request regarding the same in the Settlement Deptt of HDFC BANK CREDIT CARD DIVISION as far as their statements are concerned. I requested for the settlement in the month of May, 09. From then, I’ve paid 3 payments (For May, June and July, 09) of Rs.1400/- each month as asked by the Callers. But when I again asked for the improvement in the case of settlement, One of their Team-Leader at Rajouri Garden, New Delhi branch (Miss Namrata Dogra ,[protected] assured me that my account has been settled and I need to pay Rs. 8500/- with SIX EQUAL EMI’S of Rs. 1433/- starting from 30th Aug,09. But I need to pay the all six EMI’s of Rs. 1433/- on or before 22nd of every month till the last EMI completes. But when I enquired about the Settlement Letter, Miss Namrata Dogra said that it is not ready and promised me that it would be provided by the next day (31st of August,09) if I would pay the first EMI of s. 1433/- on 30th of August,09. I believed her and paid the payment in cash to the Collection Executive Mr. Vinod (#[protected]) against the Reciept No. 9861524 of AOK Inhouse Factoring Services Pvt. Ltd., Naraina Industrial Area. (#[protected],16). Miss Namrata Dogra has given me her Direct Line Number[protected] if she gets late in providing me the Settlement Letter the next day i.e. 31st of Aug,09. But when she didn’t call me the next day, I tried her number but it was switched-off. Then, I call Mr. Vinod and he told me that it would be due to the chances of Closing of the month. But from the last 18 days, I’m continuously calling that number of Miss Namrata Dogra but it is continuously switched-off. On 18th Sep,09; Miss Neha called me up from HDFC Bank’s Rajouri Garden, New Delhi Branch for making payment of Rs 1300/- something, I’m not cleared about the exact amount she quoted as I was upset with the name of HDFC Bank with this painful experience. But when I told her that my case has been settled for Rs. 8500/- with Six Equal EMI’s of Rs. 1433/- and I’ve already paid first EMI last month and I’ll not pay the rest EMI’s until I get the copy of Settlement Letter. She was surprised to know that my case has been settled and she has no details regarding the settlement of my case. Then, I asked her to ask Miss Namrata Dogra to call me. Then on 19th of Sep,09, Miss Namrata Dogra called me and asked me to submit the payment. When I asked her about the Settlement Letter, She told me that The HDFC Bank is not issuing any settlement letter these days and my settlement letter would be provided by November, 09. But she assured me that my case has been settled and at the same time threatened me if I’d not pay the EMI before 22nd of every month, the settlement would be automatically cancelled. When I asked, why she didn’t tell me when I made First EMI of Rs. 1433/- 0n 30th of Aug,09 about this non-availability of Settlement-Letter ; she angrily replied me that the Land-line number gone Out of Order. Then, I told her that she should have called me using other number. But I was astonished to hear what she said on this suggestion of mine; she said that she has a lot of customers asking for Settlement and she has no-time to call each and everybody and telling their status. It’s the responsibility of mine to pay the EMI of that Settlement which is settled as far as Miss Namrata Dogra is concerned and not-settled as far as Miss Neha and HDFC Bank is concerned. Now, WHERE I STAND………I DON’T HAVE ANY SETTLEMENT-LETTER SO WHAT IS THE BASIS OF PAYMENT. When I asked Miss Namrata Dogra to give me the number of some senior person or a letter from HDFC Bank certifying that my case has been settled, she said that she can not do so. But threatened me again if I fail to pay the SO-CALLED EMI of Rs.1433/- on or before 22nd of Sep, 09 and in the moths to come until the clearance of six EMI’s; my settlement would be cancelled and I would be forced to pay the total amount.


So, this was the whole detail what I’m going through. Nobody is there to help me out and HDFC Bank’s mechanism is as complex as one common man would not like to fight it out. This is very well known fact and their guys are using it negatively. Still, I’m hopeful that you will go through my case and give me the positive solution. From waving-off the fine-charges and finance charges incurred over it, just make it settled ASAP.


Regards,
Manish Patel.
Credit Card Number-[protected]

Sir,
I have misplaced the envelope containing my user name & password which was given to me for operating my savings account number [protected] through net banking . I therefore request you to kindly activate my net banking by providing me with another user name & password. The same may be sent to the following address :
# 409 , SECTOR 09
R K PURAM ,
NEW DELHI 110022.
Thanking you
VINEETH R.

I have availed two plot loans from Centurian Bank of Punjab, Mysore 3 years back, the said bank has been taken over by HDFC Bank. While sanctioning the loans I have been given at market rate of interest rates and they also pushed me to AVIVA insurance policy offering further 0.5% on discount on interest?.

To nightmare I understood, that I have been sanctioned the loan under 'Business Category' i/o Salaried person under NRI category, which I was never aware of. HDFC Bank is pushing me to provide fresh cheques and increased EMI etc., Curently I have been paying @ 13% though the market rates and again the rates from the same bank ranges between 8.75 ~ 9%.

After checking with the bank the concerned sales person has made a mistake to get a quick sanction of the loan mentioned as Business Category, which is none of my mistake.

Since this a part of Centurian Bank of Punjab loans, the HDFC Home Finance does't support any of the querries and I need to rely on HDFC Bank for any querries and their response very poor...............

Is there way can I get a solution to get charg at market rates or at par with the rates with HDFC Bank on housing loans?

My loan number are 91184382 & 91104304

Dear Miss.Mary Lopez
Customer Service Officer,

With regards it is to bring under your kind notice that I have sent you 2 mail regarding nuisance calls from[protected],I received a call from this number on 11/09/09 at 5.03 pm on my number at Bangalore[protected]though I am not a a credit card holder of your Bank&I never had an account of your bank in spite of I have been served with a notice from your Bank in the name of Mr.Suhas Joshi,whom I never happened to know!I cant understand why am I being targeted by your bank?why your bank is sending legal notice to my shop for Mr.Suhas Joshi whom I don't know at all!I hope this time you will remove all my records from your data base where we are no way related to Mr.Suhas Joshi at all.
Mr.KVS.Hebbar.
23404416
Dear Miss.Mary Lopez
Customer Service Officer,

With regards it is to bring under your kind notice that I have sent you 2 mail regarding nuisance calls from[protected],I received a call from this number on 11/09/09 at 5.03 pm on my number at Bangalore[protected]though I am not a Credit Card holder of your Bank&I never had an account of your bank in spite of I have been served with a notice from your Bank in the name of Mr.Suhas Joshi,whom I never happened to know!I cant understand why am I being targeted by your bank?why your bank is sending legal notice to my shop for Mr.Suhas Joshi whom I dont know at all!I hope this time you will remove all my records from your data base where we are no way related to Mr.Suhas Joshi at all.
Mr.KVS.Hebbar.
23404416

I, Hardik Patel was the employee of HDFC BANK LTD, Ahmedabd. I joined this organisation on 1st january,2009 in the team of Ankit Mahadevia (SALES MANAGER) and Abhishek Sarin (AREA SALES HEAD) as Contract Sales Executive. (Liabilities group)
Emp. Code : CH02734 Joining Date:[protected] Appointment Letter Date:[protected]

Abhishek Sarin told me that you join the system from the very first day and your employee code come in 20 to 25 days. I started my business from the very first day and my boss given my business to another my coligue, and told me that when your code will come he give your business back.

After 1 month he told me that your salary approval for 11500 not accepted by higer authority. then he submitted my joining kit to salary account department. but after 20 days they told me your code was not generated by higher authority.

After that my boss told me now you are in not my team you are in another AREA SALES HEAD named SIDDHARTH DAS. Then i meet him and he promised me that i give you code in 15 days and i also give you full salary.But after another 1 month he give me my appointment letter for the salary of 8500p.m..

And also told that I am giving you the salary of current month not last 3 months. I told him that if you are not giving me last 3 months salary i don't want to continue in your organisation. Then i went to ABHISHEK SARIN and told the whole metter but he was not intrested to do something for me, so i told that i complained about you and SIDDHARTH DAS so he told me that you do onething first you open the salary account on the basis of appointment letter and give me the account number. I arranged something and giving you the salary but till date nothing would be credited. I ofently called him up for my salary but he told me all time next month your salary would be credited. but from last 15 days he didn't pick up my phon.


please do something for me.

I am in trouble and i need the money.

Hi,
I have Value Plus Visa Card of HDFC Credit Card which I have never used or swapper a single penny ever but bank has issued me a notice of Rs.11783.05 and when I approached the contact person in notice Ms. Swati Nigam, she is not ready to hear my any words and only replied that when you take the service then you shall pay the whole amount and I can't give you any details regarding swapping or any more and after that I approached to customer care of HDFC Credit Card Division and he only replied me that I have noted your complaint and noted my mobile no. also and said the collection team approached you within 24/48 hours but no one can approached me yet. Please help me to out the situation.

Sir,

My Self Atul Verma

I am HDFC BANK credit card customer. I am holding this card since last one year. Initially bank gave me Silver card of there bank and after some time bank upgraded my card to Gold credit card and I believe that because of my good credit history.
I made my last payment of 20,000 in july with alldues cleared.

I purchased some item in August, That's the amount which is still pending

Because there is some outstanding on my card an HDFC bank recovery representative keep calling me for the same. I told them i will pay the amount next month with late fees and other charges
and bank have full right to that.

Now sir, situation that, recovery representative keep calling me and harassing me mentally as i am a Defaulter. As I had already request them but,they do not understand. Now they keeping calling me in odd hours and sending the recovery agent at my residence in absence of me after office timing. This kind of attitude makes me mentally harassed and I am mentally disturbed. Because of this kind of bank attitude my family life is disturbed.

A Person named Sumit from HDFC BANK recovery department office at Rajouri Garden New Delhi, called at my residence talk to my mother in harsh way. His mobile number is [protected].
He keep calling from the same number and from[protected].

2nd MAIL --

To
The Head / Manager / Mg Sales
HDFC STANDARD Life Insurance Co Ltd
[protected]@hdfcinsurance.com
Mumbai
Sub. : Issuance of No Objection Certificate.

Sirs

This is to request you that I am an agent of your company, I have taken licence on 17/10/2007 which is valid till 16/10/2010. Due to certain aforesaid reasons I don't want to work for your company anymore. I have taken agency from Sikar(Rajasthan) and have talked two-three times to the higher authority of Sikar Branch to give me NOC and also sent u mail before 7 days but they are not listening to my plea as well as they are saying if I give RS 1000 then only they will issued/given me NOC, so finally I am bound to tell you.
So, please give me NOC as soon as possible. The CC has also been mailed to [protected]@irda.gov.in . My details are as follows.

Insurer : HDFC Standard Life Insurance Co Ltd,Sikar(Raj)
Name : Sandeep Pareek
DOB. : 1/1/1981
F' Name : Mahendra.
Ag Lic. No.[protected]
Email : [protected]@yahoo.com

Please look into the matter soon.

Thanking You

Yours faithfully
Sandeep Pareek
Ag Lic. No :[protected]

I have availed person loan from HDFC bank in July -2003 amounting to Rs. 1 lacs. I was regularly paying EMI but I lost my job in jan 2004 onwards and I was unemployed for next 6 months. In Oct-2005, I settled the amount with bank of my pending amount to Rs. 22,000/- through their DSA/ Agent. And i have been given cash receipt.

Few days back I applied for an AUTO LOAN and I came to know that my name is in negative database of CIBIL and on enquiring the same I came to know that there is still outstanding against Personal Loan a/c of Rs. 42,000 with HDFC Bank. I visited to HDFC bank, ITO 2nd Floor Branch and met Mr Rishabh Jain and narrated him all the story. He asked for that cash receipt but unfortunately after 4 years I didn’t have receipt with me as I shifted to other place. He advised me to settle the amount. After showing him my real circumstances and agent dealing with me he advised me to deposit Rs. 26000 (Rupees Twenty Six thousand only) against full and final settlement. This time I requested him to give me the letter assuring that the bank will issue me NOC and request letter to CIBIL for the removal of my name from negative data base. He issued me the letter same date for settlement, and I have given him cheque of Rs. 26000/- against full and final settlement against the disputed amount and the same has been cleared from my account on 1st sept-09. Although I already settled it but due to non-availability of receipt, I could not argued on the same. i have received the account closure letter from hdfc bank too.

Now i have settled the said amount with the bank despite that BANK is not liable to remove my name from NEGATIVE / DEFAULTER from CIBIL LIST. On contacting bank advised me to approach directly to CIBIL for removal of my name. Note that bank had already written off my outstanding (which in no case was on my account) but they are smart enough to put my name in negative data base list of CIBIL. but when it comes to removal nothing has been done in this matter. i cannot avail any kind of loan forever despite clearing my outstanding dues. if such kind of regulations are in process then soon court and such organisation rules the people of India. However, i requested by mail to CIBIL authority to look into the matter and i hope so if some solution will come into picture.

Another interesting story i have come to know that if someone else taken loan BY FRAUD in your name then its not him, your name will be suffer for long life in the NEGATIVE DATABASE OF CIBIL LIST. Sin is done by someone and you have to pay for life long. What a law and regulations!!!!!

any solutions
MUKESH

Dear Sir/Madam

My name is Jithesh Nair and I have Trading and Demat account with Hdfc Securities. On successful logging into hdfcsec.com sometime during August 2009, I was forced to change my password- which I did successfully. Ever since the password change I was not able to login to my securities account.

For finding out more on this I contacted HDFC Securities Customer support representative and mentioned my problem and checked with them the procudure for changing my address and password reset on August 17th 2009. I along with my subsequent mail to the customer support team sent across my scanned copied of my Passport, drivers licence, voter Id etc to enable them to make changes to my Address.

Since then I have been sending mails to them on a regular basis with little or no response from their side. I had to make arrangement for meeting my family financial emergencies through sale of my stocks.

I am surprised and dont know what to do inorder to resolve this problem, I have also been trying to get in touch with some responsible person at HDFC Securities but their site does not have any details pertaining to managing customer grievance.

I thought this would be the best forum to address my problem, Hope someone takes a look at it and initiate necessary actions.

Thanks and Regards

Jithesh Nair

Hold my saving a/cs funds by HDFC
Hold my Salary a/c funds by HDFC
Hdfc Salary account no [protected] got hold my funds by hdfc credit card division.

Hi Indian Consumer Forum.

My HDFC salary account no [protected] has been locked by HDFC creadit card division.all my accounts funds goes on hold. I am not able to do any transaction.

I called lot of times to credit card division of HDFC bank, but they are not responding & not gave me right information.they are misguide me.

They have applied lot o[censored]nusual amount on my credit card, lot of finance & services charges.

I am getting in Problem for my daily transaction.

They applied me 47000/ rs amount, but I have used only 40% amount of credit card.

Please help me regarding release my funds,which is hold by hdfc credit card cell.

Regards,
Pankaj Sharma
Sales Head,
Amar Ujala Publications ltd.
Dharamshala,HP
[protected], [protected]

last year in march 08 there were some unknown amount /transaction appeared on my monthly statement, for which i asked the proof of voucher and HDFC reversed those transaction as they were not having any proof. Then they reissued me a new card wihout asking me and charged me for that in next statement which i never paid.
Then after six month the same charges again appeared on my monthly stetment without any preinformation to me. when i asked agin for proof they dint provided the proof and concontinued to charge the finance charges. which was really a shock to me. they neither proided me the proof. HDFC customer service is very irresponsible they do not handle the cases in a professional manner they never care whats customers frustation but they just use the words which have been tought to them. i called them lot of time that the charges are incorrect and provide me the proof then i can pay but they were just deaf to listen / understand my request .i was just asking for proof and never got the same Then after 5 months i asked them to block my card. and till today they are continuing to charging me the finance charges + late fee every month they send the statement even after the card is fully blocked. Kindly help me for this

I had been the employee of HDFC Bank ltd for past 5 yrs & I have resigned recently from the company last month.Before leaving the organisation I had vested my espos allotted to me by the company.I exercised my remaining 300 shares under organisations scheme ESOP 2007 at grant price 630.60 in the month of july'09.While applying I was informed by bank system by default about the exact amount for the purchase of share including FBT amount that was of total amount Rs.227265 including FBT amount of Rs.38085.

Now When I was credited with my shares in my account bank is asking for funding of my salary account with amount of Rs. 37000 more for direct debit towards the recovery of tax on perquisite.
My query is to clarify & to understand the concept of prequisite tax as even after paying FBT why am I suppose to pay additional perqusite tax as well.
Please confirm whether I am suppose to actually pay this perquisite tax over an above FBT or not.