[Resolved]  HDFC Bank — Loan issue not solved

Address:

560066

Hi,

My name is Arunima Ghosh with Credit Card # [protected] issued to me in 2007 (Salt Lake, Kolkata) with credit limit of 25, 000. I used the card till late 2008 or early 2009 (as much as I can remember). At that point there was an overdue on the card and I continued paying the minimum amount for few months on and off. I lost the card and I was informed that the card has been blocked those days and never requested for a replacement one. However; after few months (Mid 2010), I started paying minimum due on a regular basis which started @ ~1650 which later increased to 1950 thereafter 2100 which I’ve been paying till date. I was under the notion (As I was informed by one the representative from HDFC collection department) that the debts will be settled through the above payments and I will be relieved from this hassle. Very recently, I was informed that my pending amount has been overdued by 22, 000 and I have to pay the amount at one shot to be eligible to do a final settlement on the card!

All these while, the interactions with HDFC representatives have not been pleasant at all. All they seem to care about is collecting the money and not answer the queries. I never had clarity on what is the current state of the settlement. Moreover; the representatives are abusive and always possessed threatening tone. I asked to be able to talk to some superior office many times and they just never transfer! I have never received any fruitful response to my urges to be able to get some clarity on the lifecycle of this transaction with the Bank. Like I said, I thought I’ve been paying to close the deal in installments!!

Here's the catch - After I stopped using my card, I paid nearly about 75000 (I wish so much someone could clarify that to me) against the original credit limit of 25, 000!!

At this moment, this haunts me and I don't know how HDFC can facilitate me to settle this deal. I'm sure there are many who don't understand financial terms/policies used by Banks like me and suffer in the end because of lack of transparency shown by the Bank (people makes the company).

Here's what I need-
1. HDFC to give me a complete statement from the time the card was issued for me to understand what was the actual amount due from the time I started paying regularly and how much I have paid so far.

2. HDFC should provide a direct contact details for me to initiate a progressive conversation to settle the deal and close the case.

3. Unless the above conditions are initiated, collection department should not call me and I am not paying a penny to HDFC.

4. As I don’t work now anymore hence I would require time to check . As I have paid lot of from last few years where I have used the card last time on 2008.

5. I would require complete information via email

Contact details : Arunima.[protected]@gmail.com

[protected]@gmail.com

this is the email i have sent to bank 10000 times . but no reply came. instead of that they are calling and abusing without listenning . This card was used last in 2008. i have paid till 2014 . Now i have no ability to pay anymore as i dont work anymore .i need 6 months to settle . They are calling random people and abusing with bad language . Please help . i want to settle this urgently .
i am available in email always.