| Address: Pune, Maharashtra, 411014 |
Hi Team,
I have a concern where n nobody is able to answer to my query and in spite keep calling me to pay off the balance. My concern is as below:
I had paid off the entire credit card bill approx 40000 with interest but unfortunately that was couple of days before the bill generation, and it was not to my knowledge, that I should have waited and then cleared the complete bill. When approached to pay the bill even the Manager in charge, did not even bother to let us know to wait and then clear the balance, to reach their target to collect the payment and said that the entire amount is cleared and not to worry.
However, to my knowledge couple of months later, i suddenly receive a mail from the collection agency or a law firm stating that i have defaulted and need to pay the balance without which there would be action taken, I also started receiving calls which has lead to a harassment level, where they are calling continuously. The actual balance was around 2200/- which was not informed at the time of clearing the entire amt, but now it has reached around 9900, and to nobody's interest that this has to be paid. Also the entire credit rating has gone to a very low level.
My question is that once the amount is paid would i get back the entire credit rating which has gone low due to the banks poor customer service and not to my fault, as at the time of paying, i was forced to settle the amount and not to pay the entire amount with interest as the agency would have got more commission due to this.
Please let me know if I pay the outstanding balance to the full, would my credit rating be restored, and would i be eligible for further loans in the future.
When I ask the same question to everyone who call me, nobody is ready to answer to this or give me a fixed written consent to the above, due to which I am also not going forward to clear the bill, which is a mere small amount.
Thanks and Regards,
VENKAT
HDFC Bank customer support has been notified about the posted complaint.
Please update my email address
Suryampalnati.[protected]@gmail.com