[Resolved]  HDFC Bank — Personal loan - hal branch, bangalore

Address:

Bangalore, Karnataka, 560017

My due date for personal loan emi is 5th of every month.
i have been paying continuously for last 14 emi without any
miss payment. On September 2015, I lost my job . Then Too I Sold My Jewels & Paid the due amount as the bank manager Mr. Vinod advised me to pay the due & they will help us giving some time to pay the emi since I have no job. For the month of April & May 2016
the emi for was delayed and it was bounced.
The customer services called me and abused me over phone to make
payment asap and even after speaking they call from so many mobile number & ask for the same. In a day I get 10-15 calls to make payment and abused me too. I am
mentally harassed, even though I have briefed about my financial situation & also assured them that I am definitely going to pay the loan amount but I need time. I have received several calls from different people in a single day. They are saying that we are not here to do charity. I am not asking for charity & also the bank is taking the fine for late payment & due.
But on 28th May 2016, two people came from bank & started harassing us loudly in front of the gate. My wife said that lets go to the bank & talk or she will talk with the bank manager if required, & asked them to give the bank manager number, for that Mr.Joyce T screamed at her to stay out & started shouting at her & he treated us like criminals & claimed himself as the bank manager. She asked him to mind his language or else she will take the video & send it to the bank.
When we reached the bank & spoke to the Manager Suresh & Ramesh at HAL BRANCH, Old Airport branch Bangalore, they do not wanted to hear our plea, they do not wanted to hear us & they too started harassing us. And they said that we will do like this only if you not pay the EMI on proper time & they said that we can talk about it only if Joyce from HDFC hit you guys. So we not bother to hear you as they have not hit you. And they were forcing me to write that I shall pay the money by 30th May 3.30p.m or else bank can take severe action against me. For which My Wife asked them that they cannot force me to do so as I don’t have Job. They forced me to take her out of the room.
My wife spoke to the lawyer & she will write what they wanted me to write, But She will write only what is true & practical. But they do not wanted her to know what they want me to write. They wanted to write what they dictate to write & they threatened us that they will take legal action against us. She said that they cannot do so, as we have skipped only 2 months emi. They said that we have not updated the address. But they have my permanent address.
Mr. Suresh threatened me that He is the Head of the branch of HAL Airport Road and he will not wave off the amount for the settlement of the remaining loan amount & it is in his hand for the action against missed emi, If we are informing the bank directly or if we go legally stating anything against him.
We are scared now and dont know what to do? We are already in financial crisis & depression as we dnt have job to take care of our daily needs too.
All are depressed is very much because of the harassment of the agents in front of our gate on 28th May 2016. I only want a maximum of 3 month time to repay the amount, but I also cannot allow anybody from the bank to harass us like this.