HDFC Bank Complaints & Reviews

To
The Branch Manager
HDFC Bank,
2nd floor, Titanic Bldg, 26 A, Narayan Preoperies,
Chandivili, Andheri-East, Mumbai-400 072

Dear Sir,

I am an A/c holder(A/C No. of HDFC Bank, R. T. Nagar.

I made a money transaction through ICCI ATM centre, Kottayam, using HDFC Debit Card, on 17th Oct. 2007. I withdrawed Rs. 5000/-.Since the system got stucked, the cash not dispensed in the ATM but I was billed for the amount. As HDFC customer care says, I filed a complaint to the nearest HDFC Bank,that is, Kottayam Branch, in ten minutes time.

After that, I provided the card holder dispute form and all the details several times to all concerned people. But even after three months, I didn’t receive my money back, even though ICICI Bank claimed the money back.The charge back section of debit card disputes has not even replied to my mails also.

Following are the the email ids of all the concerned persons, i have tried to work on it.

directbanking.[protected]@hdfcbank.com
Debitcard.[protected]@in.hdfcbank.com
Rajesh.[protected]@hdfcbank.com

I look forward to a speedy action from your part.

regards

Rini Antony
Resource Mobilization Officer
SVARAJ, Bangalore
+[protected]

60% OF PREMIUM TAKEN AS COMPANY CHARGE...ONLY 40% INVEST IN THE NAME OF CUSTOMERS

MY Name is Stephan and I have a home loan with HDFC(MA/1621340).. I am planning to go for another home loan worth 50L with HDFC, so I need to preclose my existing loan(11L). I managed to payout that 11L from my savings. I have given a cheque on 15Dec2007 and cheque got realised to HDFC on 20th Dec2007. My loan account got closed.. But till now I have not got my papers back. I have already made almost 20 calls. nothing is resolved, atlast I got in touch with Mahesh(HDFC-Annasalai-chennai)email id : [protected]@hdfc.com. Now he is asking for the proof of my payment. I do not understand what is the logic of proof, if money got credited to HDFC account and my loan is closed, I do not understand why that person is asking for proof.

I am now thinking whether I should go to HDFC for my second loan... HDFC SHOWS GOOD SERVICE WHILE TAKING LOAN BUT IF YOU WANT TO PRECLOSE IT, THEN IT IS A BIG PAIN WITH THEM. Some body help me in this one...

Credit card Department
HDFC Bank
Chennai

Dear Sir / Mem,

I Nirmal Choudhary, Age 27 Yrs, residing at D-5, 212, Gorai-2 Borivali (W), Mumbai -92 since last 1 year. I have credit card account with HDFC Bank (Credit Card No. [protected]) in Andheri Branch – Mumbai.

I got credit card bill amount Rs. 43643 on date 16th Dec. 07 (Due date will be 11th Jan 08). I drop a cheque amount Rs 43643 on date 2nd of Jan 08 to HDFC Bank in Aurangabad Branch and this cheque not cleared till date i.e. 10/01/08 . I am constantly following HDFC Bank Andheri branch regarding my cheque clearance but they are not able to give me any sufficient reason for delaying in my cheque clearance.

On date 09/01/08 I got call from Credit Card Customer care & they informed me that my credit card bill amount increased from Rs 43643 to Rs 44370 due to delay in payment.

I request you to please have a look on above issue and take strict action against the concerned person

I also request to HDFC Bank to deduct the extra amount that is Rs 674.56 (Rs 43643 - Rs44370) charges on me due to delay in Payment because this delay occur only because of HDFC Bank.

For any further detail you can call me on my cell no. [protected] or mail me to [protected]@yahoo.co.in

Awaiting for your quick response and action.


Thank & Regards,

Nirmal Choudhary

Dear Sir

I am a holder of saving bank account in HDFC Bank ltd and I hold a credit card of the same bank. Without any intimation or information to me, bank transferred my saving bank money to credit card outstanding, which was kept for my monthly installments of loans. Even the credit card people are harrasing me for non making payment of my outstanding which is more than my expenses amount after making payments of all my expenses dues.
I have talked to credit card people several times even visited to their office at chandivali but not a single person was ready to meet me.
Now the bank is not responding properly and credit card department is writing mails to me regarding the hidden policies of bank regarding credit card payments.

Regards

Abhay

i had applied for the pan card on 20/11/07 and in the status its showing the card has been dispatched on 30/11/2007 but till date i have not received any mail from pan card section.

I need the pan card urgently

Rammurthy N K
PH [protected]
coupon number[protected]
pan no AXBP3397A

Hi,

My name is paresh i am using HDFC credit card from last 3 years and got relocated to Chennai.. i called up customer service to change my address on couple of occasions but they did'nt. I called up them again in the month of Sept'07 regarding my payment that i have no access to my statements since its on my orignial address and i dont know how much i have to pay again they didnt changed my address and my charges keep on pilling up for almost more than a yrs now. In the month of Oct'07 one of the recovery agent from HDFC bank went to my jaipur adress thats the orignial address on a/c and abused my Mother. He ,iterally abused her and used really unprofessional language and treat her to pay otherwise they kill her. As my monther is window and she is satying alone there she was afraid and was in shock. She is sufering from BP and due to all these stress she has to hospitalised fro 2 days. I called up HDFC dept and had word with there call center head Mr. Tejendra Zutsi regarding the same and since than nothing is happening form banks end and even till noe recovery people come to my place and at time they talk to mother mother in same tone. if this is the same behaviour they continue. Please help me with this.
How can i make payment till the time i dont have access to my statements? And after requesting couple of times for address change they are not ready to change it...

my acct. no.[protected] at paradise branch code no[protected]:223174 my previous employer walsons from delhi had stopped payment during the month of sept/oct 2005 for the amount of Rs 3100/- or so. They, walsons is not persuing the case and are not the least bit bothered. I lost my wages of Rs 36000/- and now I have to run in circles to get the small amount of Rs 3100/- released. What do I do ? The bank will say get a NOC from walsons which will never happen , next step , the amount in dispute stays on as a ledger balance forever in my account ? Who benefits from this issue ? The bank of course.The fact is that the money is there in my account- Ledger Balance and will remain there till such time some executive reaches out to help this guy , with no loss to the bank nor to himself , just being Good and Just in his job of responsibility. God find One.

I had HDFC Credit Card between[protected]. My last transaction on the card, is payment of Rs 25000, probably sometime in Sept 2005. After which I havent made any purchases nor payments, so I was not receiving any statement. But after a few months after Sept 2005, I started receiving statement which contained only "Late payment fees" and "service charges". I called up HDFC customer care and asked for details on the late payment fees many times, but they coudnt give any details because my card was blocked. So I didnt make any payment. A couple of times some recovery agents called me asking for payment and my response was that if I get my statement, I shall make payment whatever I am liable for. Then everything stoped no phone calls from agents and neiter any statement from bank.
But now again, after more than 18months, I being hounded by recovery agents for some small settelment amount. I am not willing to pay any amount unless I get my statement.
Can I use "Right to information" (RTI) act against this bank to get my statement? Anybody who have used RTI act, please respond.
Thanks.

I have got a call from HDFC credit card exectuvie who offered me a gold card.

I got interested in the card, gave the necessary douments and the required details like DOB, Address and PAN number etc but unfortunately she missed on asking my designation.

This female executive named Meenu who is working with Rajouri Garden Branch left a voice mail on my official number and i was shocked to hear that. I have the...

my account No.[protected] branch code[protected] : 223174:10 Secunderabad, paradise branch, andhra pradesh
In the month of sept/oct 2005 my previous employer walsons security, failed to make my settlement & requested me to issue a letter so that the amount deposited in my account i.e. Rs 3100(or so) could be retrived by them, to which I refused,my settlement was never made by walsons which was 36,000/- & the said amount remains in my account since then. What do I do now, please do not ask me to get a letter from them-walsons. Is there a time frame ? The cash has been there for to long on the ledger balance !

I have a salary account in hdfc bank in U N BRAHMACHARI BRANCH ,KOLKATA. I used to have a credit card of HDFC bank (no links with my saving accounts) which i have surrendered due to billing dispute by them four months before by paying all the dues acxept the amount which was wrongly charged by them.
actually i had booked one home theater costing Rs6000/through HDFC SHOPPING over phone ,but as of now i havent recieved any product nor any written communication about that product but suddenly they started charging the EMI OF rs 1000/. i called the credit card department they said this will not happen in next billing and asked me to pay the rest amount ,i did the same . but again the same thing happened then i have written mail to them asking for the details if they have given me such product . but they didnt do so and started harrasing me o ver phone . i got mentally rustrated and then stopped credit card.
but i continued to have mine saving account with HDFC bank.
now yesterday the bank has debited 11,026/ from my saving account to the credit card department internally.
i really got upset . i went today to my hdfc bank to meet branch manager there , she refused to talk to me and ask me to talk to credit card section in other place .
I am really upset and in dilema about this .please advice.

Regards
Madhav Jha
mobile no : [protected]

Let me narrate you the things happened that day very clearly. I alongwith my friend Mr. K.V.Mohan visited M/s Mobile Hut Electronics Singapore on 18/06/07 and purchased the following items :-
1) Nokia N-95 with accessories
2) Sony Portable Playstaion with accessories

The above items total amount came to SGD 1,570.00. Firstly We were giving them him cash but the vendor insisted to pay the amount in credit card as it would be advantages for us as we can enjoy the credit limit and we are not also required to pay credit card transaction fee. So we agreed to pay through credit card. I took out my HDFC credit card out of all other credit card available with me to swipe. He swiped the card in the machine present in his shop but didn't got any feedback in return, he again swiped but same thing happened and then he called up some bank guy to check why their is no feedback coming after swiping, they told that their is some server problem and you have to wait. The shop representative told me that he would take me to the neighbouring shop of their where we will swipe the SGD 1570.00 as the transaction is not happening at their shop credit card swiping machine. I went with him to the other shop and he swiped my card in the credit card swiping machine in that shop and in front of me we got a slip of SGD 1570.00 being transacted. The slip was from DBS bank and I have already forwarded that slip to HDFC Bank. I signed the slip as accetance and after that we got the bill and the GST return form for SGD 1570.00 from the shop. I have only signed in one lip of SGD 1570.00. Hw come this slip of SGD 590.00 came into picture, this slip never came in front of me and neither signed by me, that means the shop owner has doen some fraud when my card was swiped first in his own shop but we never got any slip and we have to move to other shop. Please trust me if I would have made a payment of this amount I would have never asked HDFC Bank intervention, see my record, if I can make payment of SGD 1570,00 then why the hell I should flight for SGD 590.00 payment. You guys should understand the client problem who has been loyal to your bank instead of harassing him and supporting the merchant who has done this fraud.
Tell the merchant to produce the bill for what I have purchased for SGD 590.00 and why the GST of the same was not included with the GST form they have filled for SGD 1570.00 transaction. I have already submitted my credit card for cancellation to HDFC Bank and due to this type of irresponsible behaviour from HDFC Bank, I would never recommend anyone for the same. I won't pay this balance amount until my views has been heard and justified that Iam liable to pay this amount. If I have to go to court or to media for the same I would do the same because I dint want any other customer to suffer like I did because of the irresponsible behavior from HDFC Bank.

Dear All,

HDFC is not able to give the porper service to the customer the reason is.

I Applied in the month of May for loan as nashik (as property at Nashik) with the processing fee and documents after one month HDFC rejected my application stating that I have to apply at kalyan branch as I am residing at Kalyan.

Applied at kalyan branch in the month of June ( Documents & processing fee cheque collected directly from nashik branch. Only asked to fill the new form).
Sanctioned the loan, recd. SMS on Mobile.
Till date I have not received the hard copy of Sanctioned Letter by courier/post ( Xerox of Sanction letter collected personally from kalyan branch)

Submitted all the required documents at kalyan branch. Kalyan branch forwarded it to nashik branch for legal & technical verification.
Nashik branch asked to submit fresh documents three Times ( Different-different Document asked by bank every time)

Submitted all the documents in the month of Nov. at nashik branch.

Now the thing is this till date I have not received any posotive feedback from kalyan branch. While enqiring at branch, today the executive of branch told me to collect the file from branch as they are not able to give the loan due to some internal problem ( Engineer is not taking responsibilty to create the property in their system)

Please do the needful if possible

Regards

Jagdish

I had the worst experience in my life with HDFC bank, and I am expecting a response from a senior person from HDFC who would understand me.

I work as a support engineer in a BPO for Microsoft, An unfortunate incident happened with me when I was traveling by local train when I realized that someone picked my pocket and I lost my purse which contained 4 credit cards and Rs.650.00 my personal diary two debit cards and one ATM card and few of my personal stuffs.

This happened with me while I was going back home after my shift at 06.30 am. I rushed to the bank and blocked all the cards that I had so that no one could misuse it.

I walked around 8 KM to reach the bank since I had no money to pay the bus fare. Finally I reached HDFC bank so that I could get some cash for the next day to go to office.

I spoke to the Branch Manager Name Namrath Kotian (Emp. Code : N0025). She said he would only give me the money if I have the check book with me, and I have no other option available.

I explained her about the whole incident happened with me, and informed him that I stay far away from the railway station and it is around 16 KM away and I don’t even have a single penny to go back home. And I have a 2 year old account with HDFC and I haven’t used a single check am not sure i

She repeated the same script and kept ignoring me.

I requested if I could give a written request. She said it up to her to decide, and she would not accept it.

Then I had to leave and walk 16 KM to home, even after having money in my account. I am not sure if she was following the company’s rule, or she was misusing her designation power.

And if it the company’s policy I would never ever use HDFC credit or debit card. Because policies are made for the convenience for the customer and not for harassment.

This could have happened to any body, and if this the treatment that we will receive from HDFC I think no one would open a account.

The Branch Manager Name Namrath Kotian (Emp. Code : N0025) also gave me this in writing that she cannot give me cash without debit card or Check book.

I wanted to bring this to your notice so that this can be avoided in future.

And also want to inform you that I am very dissatisfied and disappointed with the service.

Hoping for a response and hope some one would take this seriously!

Thank You
Kochumon Nair
[protected]@mssupport.microsoft.com

hello,

I had deposited my DD at hdfc bank counter on 10/12/07..
DD was of hdfc bank itself, maximum of 3 days were asked for clearence.

- but till date there is no trace of my DD

- i complained to phone banker on 13 and since every day i contact them.... but no use.

- i personally contacted the branch manager-Ram Lulla 2-3 times.. the guy commited me to call me but i never did rescive any call from bank. i felt he was of no use..

----
It was my 1st sallary DD... and HDFC has given me the above service....
i work for HDFC standard life, itself..

TO
HDFC CREDIT CARD DEPARTMENT


I HAVE'T RECEIVED MY CREDIT CARD BUT BANK EXECUTIVES CONTINUOUSLY CALLING ME FOR THE PAYMENT(i.e. rs 1400) OF THE CARD.
THEY LITTRELY IRRITATING ME BY CALLING IN MY OFFICE PHONE 30-40 TIMES IN A DAY.
I CALLED TO MR ANKUR (AT PH[protected] TIMES TOLD ALL THE PROBLEM BUT THERE IS NO ACTION TAKEN BY THEM.
PHONE WAS FROM HDFC BANK RAJOURI GARDEN BRANCH (MS. KANIKA).
I TOLD THEM IF THERE WILL BE ANY FURTHER PAYMENT IN FUTURE I WILL BE NEVER RESPONSIBLE FOR THIS.

THANKING YOU

AMIT SHARMA
MOB [protected]

I HAVE APPLIED FOR PERSONAL LOAN BUT IAM DENIED FOR PERSONAL LOAN DEPENDING ON
CIBIL REPORT WHICH IS THE MISTAKE OF SBI CARD DIVISION
I AM NIL DUE OR MEAGRE AMOUNT OF 1250 RUPEES ONLY BUT SBI AND CIBIL HAVE COLLECTIVELY DAMAGED MY CREDIBILITY AND HDFC HAS REJECTED MY LOAN APPLICATION

I AM ATTACHIN A MAIL OF MINE AND THAT OF CIBIL ALSO

SBI IS RESPONSIBILITYLESS BANK THEY DO NOT HAVE ANY CIVIL AWARENESS AND CREDIBILITY OF ANY PERSON INLISTING IN TO CIBIL DATBASE

IF I AM NOT ELIGIBLE FOR THE LOAN INFORM ME ABOUT THE CAUSE OF REJECTION IF POSSIBLE

IAM DUE ONLY MEAGRE AMOUNT TO SBI AND IAM NOT DEFAULTER TO ANY BANK

I AM REGULAR PAYER TO ICICI BANK ALSO I HAVE PAID 30 INSTALLMENTS AND DUE ANOTHER 8 INSTALMENTS OF MY PERSONAL LOAN

TEL [protected]

FURTHER I SUGGEST ANY BODY OR ANY CREDIT MANAGER TO GO THROUGH CIBIL REPORT AND THEN LOGIN FOR LOAN OF AN INDIVIDUAL

Details of communication with HDFC Bank attached. They are not responding on the complaints.

Nilesh Gotecha <[protected]@yahoo.com> wrote:
Date: Tue, 11 Dec 2007 05:52:17 -0800 (PST)
From: Nilesh Gotecha <[protected]@yahoo.com>
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: loansupport <[protected]@hdfcbank.com>


Having received no reply on the mails in three months, no option but stopping of payment of loan remained with me.

please note that, I have make the stop payment of the loan and will soon be closing Savings bank account as i do not wanted to deal with the bank which do not reply to basic queries of the customer.

please do not make any follow up regarding loan, unless my quiries are answered point to point and i get to know the level at which my complaint is discussed.

i have complied the mail commununication below, which clearly show the irresponsible replies from customer service division of HDFC Bank.

I am forwarding print outs at HDFC head office, to CEO of HDFC and to all the regional offices of HDFC bank. I am also forwarding the bunch of e-mails to all leading dailies and news channels for the reference.

This is only for your information and i do even expect the proper reply from your side.

regards

nilesh
[protected]
Date: Tue, 13 Nov 2007 20:54:42 -0800 (PST)
From: "Nilesh Gotecha" <[protected]@yahoo.com> View Contact Details Add Mobile Alert
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: "loansupport" <[protected]@hdfcbank.com>


This is you who is exaggerating.

Tell me why a person takes a loan?? because he is badly in need of money. Now he is deprived of the money, is this the small issue??

Further, if mistake has happened, why your system could not locate it?? why i have to run here and there to tell you people that i have not get the money.

You are living in the competitive world, if you cannot deliver, pls do not be in the business.

And add to it, my demands are small and crystal clear, i want to know at level my complaint is discused and handled. I dont know if somebody is hiding the facts to procet somebody.

My stand at the moment is clear, untill I get the proper reply from the RESPONSIBLE person, I am not going to pay my instalment.

Further, pls update ur Ashram Road Branch Manager on the issue, as I will be visiting the Branch for the closure of my account tomorrow.

Do not write anything in reply to this mail, I do not know who/which designation is writing.

From nowonwards, pls take customers seriously.

Best Regards

Nilesh
[protected]

loansupport <[protected]@hdfcbank.com> wrote:
Dear Mr. Gotecha,

With reference to your e-mail dated November 12th, 2007 kindly note as follows:

Closure of your Salary SB Account No.[protected] can only be allowed after the mode of repayment of Personal Loan Account No. 11599779 is swapped to alternate Post Dated Cheques or debit-ECS.

Any act by you in withholding payment of EMIs will rank as a wilful default and result in accumulation of penal charges ( Rs. 450/- per bounce of installment and overdue interest @ 2.5% p.m.). This will also result in approriate action for recovery by the Bank, entirely at your risk and responsibility.

Apart from what has been outlined above, we have nothing further to add in the matter. Your reaction to the slight delay in disbursal of the loan ( for reasons already stated several times) appears to be exaggerated and no worthwhile purpose will be served through the protracted exchange of mails.

Warm regards,

Customer Support
HDFC Bank Ltd.

Date: Sun, 11 Nov 2007 22:30:00 -0800 (PST)
From: "Nilesh Gotecha" <[protected]@yahoo.com> View Contact Details Add Mobile Alert
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: "loansupport" <[protected]@hdfcbank.com>


No more mails. Matter will never close. I feel you people make the joke out of the case and absolutely not concerned..

will see you with the notice from the consumer forum. i am also filing the case with the Bank lok adalat.

Meanwhile, pls let me know the procudure to close the savings bank account at the earliest, i do not want any of hdfc bank services today and never in future.

best regards

nilesh
[protected]

loansupport <[protected]@hdfcbank.com> wrote:

Dear Mr.Gotecha,

Kindly refer to your e-mail dated November 7th, 2007.

The reasons that led to delay in dicbursal have already been submitted in writing as well as in the calls made to you by Officials of our Personal Loans Division. We once again request that this be accepted as a case of inadvertent human error and the matter treated as closed.
Warm regards,

Customer Support
HDFC Bank Ltd.
==============================================================

Date: Wed, 7 Nov 2007 06:16:59 -0800 (PST)
From: "Nilesh Gotecha" <[protected]@yahoo.com> View Contact Details Add Mobile Alert
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: "loansupport" <[protected]@hdfcbank.com>



i do not have time to go and visit.

pls send me details provided that i have asked for. i bagg u will not be in a position to answer to even the smallest of question in my mail.

i[censored] cannot handle the complaint, pls escalate the issue higher upos and dont come out with the vauge replies.

i once again confirm that i will not pay the instalment, till the time my quiries are attended to properly and i get reply for all my basic questions. and the same will keep myself free from any follow ups fm your side

regards

nilesh

loansupport <[protected]@hdfcbank.com> wrote:

Dear Mr.Gotecha,

Thank you for your e-mail dated November 07, 2007.

We confirm that all the information requested has been provided to you by the Retail Loans Division.

You are requested not to stop the payment of your EMIs which will be in violation of the agreement signed and will affect your credit history.

In case you have any further queries, you may also visit our Retail Loan Service Center.

For a comprehensive list of our Retail Loan Service Centers, kindly visit our site ( www.hdfcbank.com), click on "Find your nearest...." on the home page and select "Retail Loan Service Center".

Warm regards,

Customer Support
HDFC Bank Ltd.

Date: Tue, 6 Nov 2007 21:00:18 -0800 (PST)
From: "Nilesh Gotecha" <[protected]@yahoo.com> View Contact Details Add Mobile Alert
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: "loansupport" <[protected]@hdfcbank.com>



I am not like the HDFC Bank officials, i do read the mails sent and mails received.

request you to kindly read my mails and reply on my mails.

pls note i hv deffered the loan payment till the time satisfactory answer is received.

I told the person over the phone that i am not at all agreed to what he is telling and he has to send point by point reply. but u people are dump and not listening or does not want to listen. this time your smartness come to the wrong way.

further, why should somebody made a mistake should talk and decide??

pls do not write mails hencefurther, i will defer loan payment still somebody approached to me with the point to point answer to my complaint.

regards

nilesh

loansupport <[protected]@hdfcbank.com> wrote:
Dear Mr.Gotecha,

Thank you for your e-mail dated November 03, 2007.

We request you to refer to our earlier correspondence as well as the contacts made to you by our Loans Division where the matter has been discussed in depth. We regret we have nothing further to add in the matter.

Warm regards,

Customer Support
HDFC Bank Ltd.
==============================================================
Date: Sat, 3 Nov 2007 00:08:06 -0700 (PDT)
From: "Nilesh Gotecha" <[protected]@yahoo.com> View Contact Details Add Mobile Alert
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: "loansupport" <[protected]@hdfcbank.com>




Dear (I dont know)

Request to kindly read my mail history.

My question remains the same.

1) agreed the mistake happened, why I have to run here and then to locate mistake done by the Bank?

2) Why nobody took a pain atleast to inform that mistake has happened?

What level the complaint is discussed and who is taking the stand on my compliants?

When you design the rules, pls keep the rules same for the customer and the bank, will you allow me delay my instalment even for the day???

Decision cannot be taken by the defaulter (sales manager).

Pls speak on all such issues raised during the previous mails. wanted you to escalate the issue to the highest possible level and rever with the escalation chart.

Pls take your time in replying, but reply with the point to point to my compaints and concerns.

Regards

Nilesh

loansupport <[protected]@hdfcbank.com> wrote:
Dear Mr.Gotecha

With reference to your e-mail dated October 29, 2007. We regret to understand that you have been left with a feeling of dissatisfaction in your recent interactions with us.

We once again reconfirm that the services of the Sales Executive who handled your case have been terminated.

The matter has been explained in depth by our Sales Manager and a letter issued to you.

You are requested not to stop the clearing of your monthly installments. Pending installments will result in your Loan Account getting classified as overdue, which could affect your credit history and is violation of term of agreement.

We wish to assure you that it is our constant endeavour to ensure that each customer interaction is made pleasant and satisfactory so that your relationship with the bank is strengthened.

We would appreciate if you would kindly treat the matter as closed. We treasure your relationship with the Bank, and look forward to a long and continued patronage.

Warm regards,

Customer Support
HDFC Bank Ltd.
==============================================================

Date: Mon, 29 Oct 2007 05:06:33 -0700 (PDT)
From: "Nilesh Gotecha" <[protected]@yahoo.com> View Contact Details Add Mobile Alert
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: "loansupport" <[protected]@hdfcbank.com>



pls read my previous mails.

pls do not write the same reply again.

i will not pay the instalment of the loan till the time i get the reply for the questions i asked and this keep me free from any actions from your side.

regards

nilesh
[protected]

loansupport <[protected]@hdfcbank.com> wrote:


Dear Mr. Gotecha,

Thank you for your e-mail dated October 27, 2007.

The reasons that led to delay in disbursal have already been submitted in writing as well as in the calls made to you by Officials of our Personal Loans Division. We once again request that this be accepted as a case of inadvertent human error and the matter treated as closed.

Thanking you in anticipation of your kind co-operation.


Warm Regards,


Customer Support,
HDFC Bank Ltd


Date: Sat, 27 Oct 2007 05:43:26 -0700 (PDT)
From: "Nilesh Gotecha" <[protected]@yahoo.com> View Contact Details Add Mobile Alert
Subject: Fwd: RE:'HBL=[protected]' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: [protected]@hdfcbank.com



pls read mails. pls do not send the same reply

Nilesh Gotecha <[protected]@yahoo.com> wrote:
Date: Fri, 26 Oct 2007 04:31:23 -0700 (PDT)
From: Nilesh Gotecha <[protected]@yahoo.com>
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: loansupport <[protected]@hdfcbank.com>

Request to kindly go through my previous mails. Understand what is return and reply.

For your perusal, grievance handling procedure highlighted on the site is attached. Request to go through the policy also.

My basic demand remain the same

Name and designation of the person writing the mail
Level at which the complaint is discussed
Name and designation of the person taking the final stand on the complaint

This is my basic right as a coustomer.

Regards

Nilesh
[protected]
loansupport <[protected]@hdfcbank.com> wrote:


Dear Mr. Gotecha,

Thank you for your e-mail dated October 25, 2007.

The reasons that led to delay in disbursal have already been submitted in writing as well as in the calls made to you by Officials of our Personal Loans Division. We once again request that this be accepted as a case of inadvertent human error and the matter treated as closed.

Thanking you in anticipation of your kind co-operation.

Warm Regards,


Customer Support,
HDFC Bank Ltd

__________________________________________________________________

Date: Fri, 26 Oct 2007 04:31:23 -0700 (PDT)
From: "Nilesh Gotecha" <[protected]@yahoo.com> View Contact Details Add Mobile Alert
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: "loansupport" <[protected]@hdfcbank.com>




Request to kindly go through my previous mails. Understand what is return and reply.

For your perusal, grievance handling procedure highlighted on the site is attached. Request to go through the policy also.

My basic demand remain the same

Name and designation of the person writing the mail
Level at which the complaint is discussed
Name and designation of the person taking the final stand on the complaint

This is my basic right as a coustomer.

Regards

Nilesh
[protected]
loansupport <[protected]@hdfcbank.com> wrote:


Dear Mr. Gotecha,

Thank you for your e-mail dated October 25, 2007.

The reasons that led to delay in disbursal have already been submitted in writing as well as in the calls made to you by Officials of our Personal Loans Division. We once again request that this be accepted as a case of inadvertent human error and the matter treated as closed.

Thanking you in anticipation of your kind co-operation.

Warm Regards,


Customer Support,
HDFC Bank Ltd

__________________________________________________________________

Date: Wed, 24 Oct 2007 23:25:51 -0700 (PDT)
From: "Nilesh Gotecha" <[protected]@yahoo.com> View Contact Details Add Mobile Alert
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: "loansupport" <[protected]@hdfcbank.com>



I also have nothing to add, pls read my mails and you cannot treat this matter as closed.

regards

loansupport <[protected]@hdfcbank.com> wrote:


Dear Mr. Gotecha,

Thank you for your e-mail dated October 23, 2007.

Our Bank's position in the matter has already been stated in the e-mail dated October 23rd, 2007 and nothing substantial can be added to that at this point of time.

You are once again requested to treat the matter as closed.


Warm Regards,


Customer Support,
HDFC Bank Ltd

__________________________________________________________________

Date: Tue, 23 Oct 2007 06:49:52 -0700 (PDT)
From: "Nilesh Gotecha" <[protected]@yahoo.com> View Contact Details Add Mobile Alert
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: "loansupport" <[protected]@hdfcbank.com>




Who are you??

Pls write with your name. and I am not at all satisfy with any of onliner replies I received.

Pls also suggest the name of the person taking the final stand.

If you do not have anything to add, i am also writing to kindly proceed with the following:

1) Please close my saving bank account

I will not pay any of the remaining instalments.

Regards

Nilesh
[protected]

loansupport <[protected]@hdfcbank.com> wrote:


Dear Mr. Gotecha,

With reference to your e-mail dated 20th October 2007, we have nothing further to suggest except what has already been submitted in the previous communications.


Warm Regards,


Customer Support,
HDFC Bank Ltd

__________________________________________________________________

Date: Sat, 20 Oct 2007 05:47:59 -0700 (PDT)
From: "Nilesh Gotecha" <[protected]@yahoo.com> View Contact Details Add Mobile Alert
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: "Customer Service" <[protected]@hdfcbank.com>




Pls refer my mail for god shake, i have asked to write the name of person writing to me and one who has taken the final stand on the issue. Over the phone, I have also informed the same and the officer calling was having no answers to some of my basic questions.

I will only be satisfy when i get reply point by point (pls put remarks) under my each point.

If the mistake happened from your side, why i had to run to locte that mistake has happened?? What will happen if I make the mistake???

If your system is under fault, why am i one who is suffering??

Pls reply me on each of the point at the earliest with the authority who has taken the final stand.

Otherwise, I dont see any reason in paying remaining instalments of my loan and will discontine my savings and fixed deposit account with the bank.

Regards

Nilesh
[protected]


Customer Service <[protected]@hdfcbank.com> wrote:


Dear Mr. Gotecha,

Kindly refer to your e-mail dated October 17th, 2007.

The reasons that led to delay in disbursal have already been submitted in writing as well as in the calls made to you by Officials of our Personal Loans Division. We once again request that this be accepted as a case of inadvertent human error and the matter treated as closed.

We regret our inability to offer any compensation or discounts, as claimed by you.


Warm Regards,


Customer Support,
HDFC Bank Ltd

__________________________________________________________________

Date: Wed, 17 Oct 2007 05:48:20 -0700 (PDT)
From: "Nilesh Gotecha" <[protected]@yahoo.com> View Contact Details Add Mobile Alert
Subject: Fwd: RE:'HBL=[protected]' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: [protected]@hdfcbank.com



No reply received on the mail, really surprising.

Nilesh Gotecha <[protected]@yahoo.com> wrote:
Date: Thu, 27 Sep 2007 04:33:32 -0700 (PDT)
From: Nilesh Gotecha <[protected]@yahoo.com>
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: Customer Service <[protected]@hdfcbank.com>
CC: [protected]@core.nic.in
My demand are same. I need the name and designation of the person taking the final stand on the issue.

i do not know i[censored] people read the mails i send. i am once again attaching the point by point complain. pls give the answer on each of the point. PLS REFER POINTS 7 TO 15 AND ALSO CONSEQUENCES. YOU WILL NOT ACCEPT ANY OF MY APOLOGY EVEN ON SINGLE DAY DELAY, WILL YOU??????

i am also attaching the last mail which clarifies that i am not interested in the apology, i want the final stand of the bank on the issue taken by some senior member.

DETAILED COMPLAINT:

Nilesh
A/501, Rosewood Estate, Jodhpur Road, Satellite, Ahmedabad - 15
[protected]

1) Applied for HDFC personal loan through Net
2) Call was received from lady - Sweta telling that she is calling from HDFC Bank directly.
3) Documents for the loan collected on 06/June/2007 and loan was approved on 08/June/2007.
4) A SMS was received on 08/June regarading the loan approval and approval number is 11599779
5) Agreement was signed on 11/Jun/07 (Monday) morning and three cheques were submitted.
6) It was promised that amount of loan will be deposited on 12/Jun.
7) No amount was received on 12 june. Not even on 13 june
8) There was consistent no replay from the number of Sweta who co-ordinated.
9) On calling phone banking for more than 3 times and visiting Naranpura branch, there was call from Sweta telling that they have made mistake in calculating EMI amount and fresh trhee cheues to be issued.
10) Fresh cheqes were issued and it was confirmed that amount will be credited by 10am on next day.
11) In anticipation of confirmed deposit, cheque was issued to from the account.
12) Had to request to the party two times to not deposit the cheque.
13) Again on 14/Jun, no amount was credited
14) Visitednearest Vejalpur Branch of HDFC Bank.
15) They have given number of officer. Officer had told that it was mistake on the part of DSA the incidence had happened, and promised that he will try to deposit the loan before banking hours.
16) Loan was depostisted ultimately at 15.40 on 14/June.

THEY CALL IT EXPRESS LOAN. That means, amunt was of no-use on14/June also.
17) Subsequently, cash amount was to be deposited in the account of the party.

Consequences:

1) The incidence badly affect the credit. 17% interest was paid only to ensuretimely payment to the creditor.
2) Continuous two days wasted on follows
3) Bank should repay for amount of time,money and enry wasted on follow-ups
4) Bank should clerlfy the actions taken on the officers
5) Loan cannot save the credit, that means should be made interest free

LAST MAIL CLARIFIES THAT MATTER CANNOT BE CLOSED

Do you know who has signed that letter??

have u read the mail i send in reply of the letter??

if the mistake has done by your employes, why there was no call?? why the phones were no reply??

i had to visit two braches and make over 50 calls to locate problem created by you. even the senior officer did not picked up the phone.

pls note that what you have writeen in the letter is not the factual. pls locate the problem in house first, ratehr than markeing it close.

and i hv several time reported that apology is not the solution to the proble, do u know u r talking to the customer??

i have never before raise point of repayment of loan, but it is total irresponsible replies fm ur side made me writing the same.

i do not understand why dont u keep the previous mails in the loop while replying.

gentleman, pls get ur hose right and pls revert with the responsilbe reply. i would wiat for the reply with the name of person writing to the same.

waiting for ur satisfactory reply in this regard.

regards

nilesh
[protected]

Customer Service <[protected]@hdfcbank.com> wrote:


Dear Mr. Gotecha,

Kindly refer to your e-mail dated September 25th, 2007.

At the very outset, please accept our sincere apologies for the less than pleasant experience in dealing with the Bank.

We confirm that a formal reply to the issues raised by you have been submitted on August 7th itself vide our letter docket No. A26790475
dated 10th August 2007 , a copy of which is attached herewith.

We trust that the contents of the letter will be found acceptable and the matter can be taken as closed on that basis. You are also requested not to disrupt recovery of EMIs as this could be taken as a willful default and affect your Credit History, besides leading to additional charges.

Thanking you in anticipation of your kind understanding in the matter.


Warm Regards,


Customer Support,
HDFC Bank Ltd


Customer Service <[protected]@hdfcbank.com> wrote:


Dear Mr. Gotecha,

Kindly refer to your e-mail dated September 26th, 2007 . We do realize and appreciate the fact that the problems faced due to delay in disbursal have caused a lot o[censored]nhappiness. Please accept our very sincere apologies once again for the less than pleasant experience in the matter.

Kindly also rest assured that your feedback has been shared with the Unit concerned to ensure that such matters are handled with a greater degree of sensitivity. Can we therefore, request you once again to accept our apologies and agree to treat the matter as closed?

Thanking you in anticipation of your kind understanding.



Warm Regards,


Customer Support,
HDFC Bank Ltd

__________________________________________________________________
Disclaimer :
From: "Consumer Education and Research Centre" <[protected]@cercindia.org> Add to Address Book Add Mobile Alert
To: [protected]@yahoo.com
Subject: From : Mr. V.M.Oza Hon. Director (Complaints)
Date: Mon, 8 Oct 2007 16:50:25 +0530



REF.NO.: COM/INFO/2007/430/VMO 08.10.2007

From : Mr. V.M.Oza Hon. Director (Complaints)
To : Mr. Nilesh Gotecha
Email : [protected]@yahoo.com

Dear Mr. Gotecha,

Please refer to your email dt. 25th Sept. 2007 regarding your
grievance against HDFC Bank about delay in sanctioning the loan
to you and subsequent loss incurred by you.

In this connection we have to advise you that we deal with such
matter. You are therefor requested to furnish us all the
papers/documents, etc. as called for vide our email dt. 21st
Sept. 2007 alongwith membership form duly filled in with the
requisite payment.

KINDLY QUOTE OUR REF.NO. & DATE IN FUTURE CORRESPONDENCE.

Thanking you,

Yours faithfully,


V.M.Oza
Hon. Director (Complaints)
08.10.2007

[protected][protected][protected]--
Consumer Education and Research Centre
Thaltej, Sarkhej-Gandhinagar Highway
Ahmedabad - 380054, Gujarat, India
Phone :[protected]/46, 27450528,[protected]
Fax :[protected]
Email : [protected]@cercindia.org
[protected]@gmail.com
Website : www.cercindia.org

Read INSIGHT - The Consumer Magazine

Date: Tue, 25 Sep 2007 02:35:01 -0700 (PDT)
From: "Nilesh Gotecha" <[protected]@yahoo.com> View Contact Details Add Mobile Alert
Subject: Re: From : Complaints Dept., CERS, Ahmedabad. REF. NO. : COM/INFO/2007/430/US
To: "Consumer Education and Research Centre" <[protected]@cercindia.org>



i am genuine customer harresed for about a week by the irresponsible bank.

My complaint is as under. does CERS deal with such issues?? If yes, i am ready to become the member of the society. kindly let me know the time that i will have to devote to get the justice.

regards

Nilesh
A/501, Rosewood Estate, Jodhpur Road, Satellite, Ahmedabad - 15
[protected]


1) Applied for HDFC personal loan through Net

2) Call was received from lady - Sweta telling that she is calling from HDFC Bank directly.

3) Documents for the loan collected on 06/June/2007 and loan was approved on 08/June/2007.

4) A SMS was received on 08/June regarading the loan approval and approval number is 11599779

5) Agreement was signed on 11/Jun/07 (Monday) morning and three cheques were submitted.

6) It was promised that amount of loan will be deposited on 12/Jun.

7) No amount was received on 12 june. Not even on 13 june

8) There was consistent no replay from the number of Sweta who co-ordinated.

9) On calling phone banking for more than 3 times and visiting Naranpura branch, there was call from Sweta telling that they have made mistake in calculating EMI amount and fresh trhee cheues to be issued.

10) Fresh cheqes were issued and it was confirmed that amount will be credited by 10am on next day.

11) In anticipation of confirmed deposit, cheque was issued to from the account.

12) Had to request to the party two times to not deposit the cheque.

13) Again on 14/Jun, no amount was credited

14) Visitednearest Vejalpur Branch of HDFC Bank.

15) They have given number of officer. Officer had told that it was mistake on the part of DSA the incidence had happened, and promised that he will try to deposit the loan before banking hours.

16) Loan was depostisted ultimately at 15.40 on 14/June.

THEY CALL IT EXPRESS LOAN. That means, amunt was of no-use on14/June also.

17) Subsequently, cash amount was to be deposited in the account of the party.

Consequences: 1) The incidence badly affect the credit. 17% interest was paid only to ensuretimely payment to the creditor.

2) Consituous two days wasted on follows

3) Bank should repay for amount of time,money and enry wasted on follow-ups

4) Bank should clerlfy the actions taken on the officers

5) Loan cannot save the credit, that means should be made interest free


[protected][protected][protected][protected]




Consumer Education and Research Centre <[protected]@cercindia.org> wrote:
To : Mr. Nilesh Gotecha

From : Complaints Dept., CERS, Ahmedabad.

Date : 21 September 2007

Email : [protected]@yahoo.com


REF. NO. : COM/INFO/2007/430/US

Dear Mr. Gotecha,

We are in receipt of your email dated 25.8.2007 regarding your
complaint against HDFC Bank. To enable us to take up your
complaint you are kindly requested to furnish us following
details :

1. Your complete postal address as well as complete postal
address of the opposite party.
2. A detailed complaint letter addressed to the Society in
writing explaining the facts of the complaint chronologically
and mentioning the stake involved.
3. Please justify your claim in monetary terms along with
supporting documents regarding the loss suffered by you i.e.
17% interest paid by you.
4. Copy of documents relating to the complaint.

In order to represent your case before the opposite party, it is
necessary that you should be our member. You are kindly requested
to provide us your Membership No. of the Society, if not, please
find attached herewith an application form for membership of our
Society alongwith membership request letter. You are requested to
return the membership form duly filled in alongwith a cheque
towards membership fee, in case of local members. We accept only
D.D drawn on any nationalised bank at Ahmedabad for outstation
members.

We enclose herewith a copy of Guidelines for lodging a complaint
with CERS.

We shall deal with your complaint soon after receiving necessary
documents and information as above.

KINDLY QUOTE OUR REF. NO. & DATE IN FUTURE CORRESPONDENCE

Thanking you,

Yours sincerely,


Complaints Department.

Attach : 1. Membership Form
2. Membership Request Letter.
3. Copy of guidelines
[protected][protected][protected]--
Consumer Education and Research Centre
Thaltej, Sarkhej-Gandhinagar Highway
Ahmedabad - 380054, Gujarat, India
Phone :[protected]/46, 27450528,[protected]
Fax :[protected]
Email : [protected]@cercindia.org
[protected]@gmail.com
Website : www.cercindia.org

Read INSIGHT - The Consumer Magazine
[protected][protected][protected][protected][protected][protected]
Date: Sun, 2 Sep 2007 22:07:10 -0700 (PDT)
From: "Nilesh Gotecha" <[protected]@yahoo.com> View Contact Details Add Mobile Alert
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: "Customer Service" <[protected]@hdfcbank.com>



I have been taking the matter with the bank for quite a long.

i have suffered a lot and matter is with the bank, WHY I receive such mails??
It is not me to escalate, it is you you have to escalate with your team.


Please sent me the Bank stand on the matter with the reply from some senior management insetead of writing such mails.

Looking forward for the quick response.

Regards

Nilesh
[protected]

Customer Service <[protected]@hdfcbank.com> wrote:


Dear Mr. Nilesh,

In continuation to our email dated 25th August 2007, we wish to inform you that if you think you have received an unsatisfactory response from any of our personnel or channels, and would like to escalate the matter to Senior Management you may file your complaint to our Customer Grievance Redressal at www.hdfcbank.com

Steps:
1) Access your Bank
2) Customer Center
3) Grievance Redressal

Thanking you in anticipation of your kind co-operation


Regards,


Haresh Nawale
Customer Support,
HDFC Bank Ltd

__________________________________________________________________

Date: Tue, 21 Aug 2007 22:13:42 -0700 (PDT)
From: "Nilesh Gotecha" <[protected]@yahoo.com> View Contact Details Add Mobile Alert
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: "Customer Service" <[protected]@hdfcbank.com>



As been informed, no quaries have been clearified.

Pls reply point to point in written.

i do not hv the time to visit consumer care centre, if at all somebody wanted to visit, can visit with prior appointment.

wanted reply on the matter at the earliest.

Customer Service <[protected]@hdfcbank.com> wrote:


Dear Mr. Nilesh,

In continuation to our email dated 16th August 2007, as per confirmation from our concerned department we understand that our officer has contacted to you and clarified your all queries , further apologies for delay in disbursement.

For further clarification , we request you to visit to nearby retail asset branch , our officer will glad to assist you.

For a comprehensive list of Retail Loan Service Center kindly visit our site
http://www.hdfcbank.com/applications/locator/customercare.asp



Thanking you in anticipation of your kind co-operation



Regards,


Haresh Nawale
Customer Support,
HDFC Bank Ltd

__________________________________________________________________

Date: Thu, 23 Aug 2007 22:21:55 -0700 (PDT)
From: "Nilesh Gotecha" <[protected]@yahoo.com> View Contact Details Add Mobile Alert
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: "Customer Service" <[protected]@hdfcbank.com>




I am not going to pay for the loan at all. I will not pay any instalment from now on. i will pay instalment on the annual basis??

How come you just let the troubles happen to me by just saying the apology?? I have lost my credit to the party and have lost continuous gain i was getting?? your apology signed by some junior does not have any meaning.

It was after five days of continuous follow up and pains, i have been able to get the disbursement. and so called ur department never lifted the phones, right from the junior to the senoir most.

There should be punishment for whatever happened and i should get compensation for whatever pain i have undergone.

Kindly send us the e-mail id of your regional and corporate office. I need reply from higher ups.


Nilesh
[protected]

Customer Service <[protected]@hdfcbank.com> wrote:


Dear Mr. Nilesh,

Thank you for your mail dated 21st August, 2007.

Bank's position in the matter has been clarified vide our e-mails dated 21st August 2007, our officer clarified for delay in disbursement and send the apology letter also relating the same. We do not have anything further to add or offer at this point of time.

Thanking you in anticipation of your kind co-operation


Regards,


Haresh Nawale
Customer Support,
HDFC Bank Ltd

__________________________________________________________________

Date: Wed, 15 Aug 2007 23:15:56 -0700 (PDT)
From: "Nilesh Gotecha" <[protected]@yahoo.com> View Contact Details Add Mobile Alert
Subject: RE:'HBL=[protected]' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: [protected]@hdfcbank.com




I think Bank is geeting fun out of the issue.

Have received the stereo-typed apology letter with Ref No: RA/CSD/2007/CSE2/702 dtd August 10, 2007.

Letter is written in the name of Mr. Amitabh Sinha (I do not know who is he!!) and signed by someone else. Is the bank making fool of its customer??

The letter further say that officials have explained the things. I have never received any explanation and have asked to explain the matter only in WRITTEN. How can you say the matter is closed without confirming with the consumer?? why wrong information is given and admitted by customer service??

I have raised query point by point as given below and expect reply Point-by-point.

Please do not waste my more time on the stereo-tyed replies and revert point-to-point and set the timeline.

Havealready raised matter on core.nic.in and on non-receipt of the satisfactory reply, will furhter raise to the appropriate levels.

Have asked for the e-mails and ids of the State/National Heads, which never been given from your side

Nilesh
[protected]
nilesh gotecha <[protected]@yahoo.com> wrote:
complaint given for your ready reference.

regards

nilesh
[protected]

1) Applied for HDFC personal loan through Net
2) Call was received from lady - Sweta telling that she is calling from HDFC Bank directly.
3) Documents for the loan collected on 06/June/2007 and loan was approved on 08/June/2007.
4) A SMS was received on 08/June regarading the loan approval and approval number is 11599779
5) Agreement was signed on 11/Jun/07 (Monday) morning and three cheques were submitted.
6) It was promised that amount of loan will be deposited on 12/Jun.
7) No amount was received on 12 june. Not even on 13 june
8) There was consistent no replay from the number of Sweta who co-ordinated.
9) On calling phone banking for more than 3 times and visiting Naranpura branch, there was call from Sweta telling that they have made mistake in calculating EMI amount and fresh trhee cheues to be issued.
10) Fresh cheqes were issued and it was confirmed that amount will be credited by 10am on next day.
11) In anticipation of confirmed deposit, cheque was issued to from the account.
12) Had to request to the party two times to not deposit the cheque.
13) Again on 14/Jun, no amount was credited
14) Visitednearest Vejalpur Branch of HDFC Bank.
15) They have given number of officer. Officer had told that it was mistake on the part of DSA the incidence had happened, and promised that he will try to deposit the loan before banking hours.
16) Loan was depostisted ultimately at 15.40 on 14/June. THEY CALL IT EXPRESS LOAN. That means, amunt was of no-use on
cont from last........
14/June also.
17) Subsequently, cash amount was to be deposited in the account of the party.
Consequences:
1) The incidence badly affect the credit. 17% interest was paid only to ensuretimely payment to the creditor.
2) Consituous two days wasted on follows
3) Bank should repay for amount of time,money and enry wasted on follow-ups
4) Bank should clerlfy the actions taken on the officers
5) Loan cannot save the credit, that means should be made interest free


nilesh gotecha <[protected]@yahoo.com> wrote:

The query is not regarding only the amount deposit of excess processing charges.

Major issue is delay in loan disbursement has affected the crdit lot. Time of three days, enery and money wasted on follow ups to get the load disbursement.

Hope you now reply with the comprehensive solution.

Regards

Nilesh
[protected]

Customer Service <[protected]@hdfcbank.com> wrote:


Dear Mr. Nilesh,

In continuation to our email dated 4th July 2007, we wish to inform you that refund amount of Rs. 260 /- against the processing fees has been transfer to your account vide number[protected] on 4th July 2007. We request you to please check at your end.

Thanking you in anticipation of your kind co-operation




Regards,


Haresh Nawale
Customer Support,
HDFC Bank Ltd

__________________________________________________________________
Disclaimer :



loansupport <[protected]@hdfcbank.com> wrote:
Dear Mr.Gotecha,

Thank you for your e-mail dated November 13, 2007.

As confirmed earlier, closure of your Salary SB Account No.[protected] can only be allowed after the mode of repayment of Personal Loan Account No. 11599779 is swapped to alternate Post Dated Cheques or debit-ECS.

Any act by you in withholding payment of EMIs will rank as a wilful default and result in accumulation of penal charges ( Rs. 450/- per bounce of installment and overdue interest @ 2.5% p.m.). This will also result in approriate action for recovery by the Bank, entirely at your risk and responsibility.


Warm regards,

Customer Support
HDFC Bank Ltd.
==============================================================

Disclaimer :
The information contained herein (including any accompanying documents) is
confidential and is intended solely for the addressee(s)only and may constitute priveleged information. If you have erroneously received this message, please immediately delete it and notify the sender. Also, if you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this message or any accompanying document is strictly prohibited and is unlawful. The organization is not responsible for any damage caused by a virus or alteration of the e-mail by a third party or otherwise . The contents of this message may not necessarily represent the views or policies of HDFC Bank Ltd.




[protected][protected][protected][protected]
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