HDFC Bank — Miss use of rule of lien wrongly applied and loan closed without intimation to customer

Address:

Hdfc bank, deeksha apartment, Vapi, Valsad, Gujarat

I raise complain in consumer forum because credit card ki loan customer ki marji ke bina pre close ki he. Upar se restructuring bhi nahi diya aur pura amount block kiya. Meri company me phone karke logo ko credit card ka bill baki he sabko bataya.Reply koi nahi de raha he.supreme court aur rbi ke rules ka anadar karke default kiya loan ko. Kyunki galat tarike se rules of lien apply kiya he. HDFC BANK LTD Loan restructuring application quote reference no[protected] mene apply kiya tha.Bank me mene sab kuchh bataya tha.Maine majburi batayi thi.uske according mene restructuring manga tha.taki mera emi short ho jaye. Lekin bank ne meri ek nahi suni upar se bola gaya ki aap pura amount pay kar dijiye.To manager ko itni bhi common sense nahi he ki jo admi ek hapta bhar nahi sakta he to wo pura payment kaise karega.Mera loan restructuring application acxcept karne ke baat reject kar di gay.aur mera reason genuine tha.Mere bank se jo baat hui thi uski recording bhi available he.yaha tak bola gaya tha ki aap ye ek credit card ka emi bhar do aapko ham restructuring karva dete he.Mene paise dusre se arrange karke payment kiya uske baad bahut baar bahut baar maine request ki restructuring ki .Jawab mila baat karti hu sir se.baat hui hi nahi upar se loan recovery agents ka itna harassment chalu ho gaya ki baat mat puchho.Aapka credit card ka emi baki he.jabki me meri condition bata chuka tha.fir bhi call karke heressment kar rahe the.message bhejte the ki agar aap payment nahi doge to Aapka cibil me daal denge.aapke ghar aur office address par recovery agent ki bhejenge.yaha tak ki mene credit card walo ne meri office pe daily phone karkeb haressment karna chalu kar diya.Jab un logo ko bola ki ye emergency number he yaha call mat kijiye.samne se jawab mila ham log to karenge hi karenge call.mere se baat hui me un logo ko proof manga ki aap muje proof bataiye ki mene aapko office ka number diya tha.Jab maine number diya nahi to office par kyu lagaya phone.sirf 1 emi bounce huva tha usme itna heressment.jabki reason maine batay tha.mere pass sabhi evidence he.Restructuirng application ka proof bhi he.HDFC bank ne puri tarike se RBI aur supreme court ke adesh ki dhajiya udadi he.Na muje loan restructuring diya upar se puri amount settle karne ko pressure kar rahe eh.Aur kal raat ke 9 baje ke baad mera account blocked kardiya gaya he without customer ko intimation diye bina mera amount (minus) -259010 kar diya gaya he wo bhi without any intimation and settlement.bank galati kare to chamtkar aur customer galti kare to hahakar.ye to clear cut partiality kar rahi he bank .sabhi proof me dene ke liye taiyar hu.Kaha kaha maine visit ki.sirf 1 emi bounce huva usme ye logne account blocked kar diya jiski majburi already explained thi.To me consumer forum se request karta hu ki HDFC bank par legally action le.Kyunki ab me lawyer karke legally tarike se manhani ka case bank par karne ja raha hu kyunki meri office me sabhi logo kobata diya he ki iski credit card ki loan ka emi nahi bhara he.Meri image ki dhajiya udadi.RBI ki guideline follow nahi ki bank ne.Maine Personal loan and credit card personal pe restructuring request dali thi jo accept kar di gayi thi.Na koi relpy de rahe he ki restructuring rejection huva ya accepted.upar se Emi bharne ka pressure kar rahe he.Supreme court ne bola tha kisiko bhi defaulter nahi karna he jab ki HDFC bank ne iski ghajiya uda di aur loan ko default kiya he.