| Address: Mumbai City, Maharashtra, 400069 |
My name is rajeev, please go thru the below details to understand our pain.
We were being constantly harassed by mr. Rahul kadam (Hdfc collection manager) & m/s paritosh enterprises (Collection agency - mulund east) for defaulting my emi's for quite sometime now. I tolerated & faced the constant humiliation considering that i deserve the same as i am defaulter. And when the person loses his job & his source of income he is forced to face such humiliations.
I considered the process of harassment as regular in nature, as stated in by below emails, i proactively approached hdfc collection team for the issues i am facing. I visited kanjurmarg office & met mr. Hira ram pal in regards to my financial crises, however he stated its not in his purview to help & i have to pay the emis to avoid any future humiliation in future.
When mr. Rahul kadam & his agency goons started harassing me, as usual they got the license to abuse me, torture me, constantly call me (Like 15 calls in 2 mints) and i know they have all means to record our calls & they will record only the calls in which we get frustrated & will resist the pressure, to which they will say we have recorded your calls & we will take action. Calls are made ideally my female telecallers and they are trained to insult & humiliate us. I was resisting these tortures by simply avoiding them, as i knew they are just gonna humiliate me & these conversations will only end up by getting humiliated, so to refrain from such insults i was not taking their calls.
I was fine with all this, but on 16th october 2018, a middle age guy mr. Gowda visited my home at around 15:00 pm & he met my parents whom are in their early seventies. Mr. Gowda insisted in barging in to my home, his attire was too suspicious, he was full beard, without shoes & was not at all looking like a hdfc guy. My parents being in their seventies were too much afraid about this incident & they were feeling insecure with his presence & they told him to leave the place, as i (Rajeev kini) is not available at that point of time. But to my shocker he constantly humiliated my mother in front of all society members for 3 hours. I. E. From 15:00 pm to 18:00 pm. And then mr. Gowda showed my mother the pictures of my wife, my sisters & my old uncles. My mother started panicking & she was about to collapse because of these 3 hours of interrogation, and to my shocker mr. Rahul kadam also spoke to my mother on telecall, through mr. Gowada's cell phone.
Mr. Rahul kadam humiliated my mother by telling her " kahan chuppa ke rakkha hai tere bete ko? Paisa lene aata hai tumloko, dene nahi aata? Kya yahi dhanda tune tere baccho ko sikhaya hai, tere dosra beta aur teri bahu kahan hai? Roz tere ghar pe aise 1000 log bhejunga, jo karna hai karle, and mera yeah aadmi aaj tere gharpe hi soyega, jo karna hai karle.
My mother told him that he is calling for a police action, as she is not at all involved this transaction & why is she being targted? But rahul kadam under his garb of doing a collection job for a reputed bank did everything to insult my mother whom is supposed to be a senior citizen. Mr. Rahul kadam is to prone to do such criminal activities.
My mother went to andheri east police station on 16th oct 2018 to lodge a police complaint against mr. Rahul kadam & mr. Gowda & the police station in-charge called up mr. Rahul & asked him to visit police station for understanding his version on the above incident & even i was asked to visit. However mr. Rahul kadam did not visited the police station & he sent mr. Poojary & mr. Gowda to face police action. After waiting for mr. Rahul from 11am to 2pm at the police station, we were informed that mr. Rahul is not coming as he is busy with his work. To which the police station in charge instructed the third party employees & the so called collection agents to refrain from visiting my home, as mr. Rahul seems to be superior to all establishments & he is not at all afraid of taking law and order in to his hands. The collection agency representatives informed the police that this case is with them for shorter period of time & the other agency will be roped in soon, and so they should not be blamed if there is any future harassment cases.
Mr. Rahul kadam & hdfc bank will solely be responsible in-case if anything happens to my parents, wife, brother & sisters.
According to mr. Kadam these instances are common in nature & they counter such instances by blaming & questioning the intention & integrity of the customers and their families.
I have few questions to ask from hdfc bank?
Why was mother targeted, when she is not at all involved in this business?
Why was my mother insulted & humiliated in front of everyone? Isn't this a criminal offense?
From where the so called collection agent mr. Gowda, got pictures of my wife & sisters? And why was he asking about the whereabouts of the females of our family?
What was mr. Gowda doing for 3 hours at my house when he visited? And what is standard sop when you visit a default customer?
What action should i expect from hdfc bank on mr. Rahul kadam?
What if something similar repeats?
Will hdfc bank take the responsibility of the security of my family?
In this case mr. Rahul kadam is personally involved & i hope bank won't protect him by only terminating the 3rd party agency.
On my loan default, now i would like to settle this case only in the court of law, as the employees of hdfc & their associates seems to be involved in criminal activities & they are repeat offenders under the protection of hdfc bank & its legal machinery. Expecting a timely revert on the same.
Cc :
Chief secretary maharashtra
Assistant chief secretary maharashtra - home
National commission for women
Maharashtra state commission for women
HDFC Bank customer support has been notified about the posted complaint.
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