[Resolved]  HDFC Bank — Sub: settlement letter no. s1693831 dated 18.03.2016 received on 21.03.2016. against my credit card no.524216xxxxxx6046 aan no.[protected].

Address:	Thane, Maharashtra, 401202
Website:	www.hdfcbank.com

Dear sir/madam,

After a long telephonic discussion between myself and hdfc bank collection executive ms. Anita tiwari (Mob.[protected]) and one mr. Gaurav on 16.03.2016 regarding the settlement of above credit card. And after a long discussions, i agreed for an amicable settlement on the above mentioned credit card. The settlement amount was rs.20, 500/- (Rupees twenty thousand five hundred only). He has suggested me to repay the amount in four installments by cash. Accordingly, hdfc bank collection boy came to my house and given the settlement letter on 21.3.2016 and collected the first installment amount i. E rs.5000/- in cash.
The details of each installment made by me is as under:
Particulars amount amount collected amount
(Rs.) on deposited
On (As per msg rcd
On my reg. Mob.)
—
First installment 5000.00 21.03.2016 22.03.2016
Second installment 5000.00 19.04.2016 20.04.2016
Third installment 5000.00 22.05.2016 23.05.2016
Fourth installment 5000.00 22.06.2016 23.06.2016

When the collection boy was came to my house on 22.06.2016 for collecting the fourth installment, i was busy with my son’s college admission and i want to go to kerala same day for admission, in the mean time the settlement letter was misplaced therefore i asked your collection boy that how much money is pending for last installment. He told me the message received on his mobile from hdfc bank executives is rs.5000/-. I want to pay the full and final installment and i like to close the matter on that day itself. The boy told me to pay rs.5000/- only as per message received from the hdfc bank. However i paid the amount in cash rs.5000/- only. Only rs.500/- was the balance to close the matter as per your settlement letter dtd. 21.3.2016. All the four installments were collected by your collection boy regularly and systematically as per your instructions and as per your settlement letter dated 21.3.2016 and why you have not collected the small amount of rs.500/-. I doubt that this is the tricky game of yours so that you can blame that i am not regular in making the payments.

If you have not received the full amount from me, then your responsibility is to send your boy for collecting the remaining amount. This is the way you have collected all the four installments i. E. Rs.20, 000/- from me.

When i checked my mail, i saw your email dated 16.08.2016 saying that you are irregular in making the payment and your settlement letter dtd. 21.3.2016 is invalid. This is very strange. It is also very strange that all the four installments are collected punctually from me and the small amount i. E rs.500/- is kept with me. You bank officers are lying and cheating the innocent people.

After i found out my settlement letter, immediately i tried to call your person, your phone was not available on that day. After that, many times i tried to call you. Also i wanted to go to south for my son’s admission. Again after 20 days, i was trying to contact your person. It was futile.

This is the whole story.

Now, i would like to confirm and reiterate that i am ready to pay only rs.500/-. If you want to collect the money, please send your person and collect the amount from me immediately. It is, therefore, requested to please collect the amount of rs.500/- and expeditious steps may please be taken to ensure speedy settlement of the matter and please issue no dues letter and remove my name from your defaulter list.

If you are not ready to agree/settle the matter, then we are constrained to file the complaint with banking ombudsman for speedy settlement of the issue which please note with due care and caution.

Thanking you,

Shaju chacko chittilappilly