I have deposited a check of 5000/- dated 16/01 HSBC cheque# 009005 and which clears all my dues. I am not aware why this outstanding of Rs. 44, 438.65 coming from as I have never used my Card from June and its blocked since then. Neither iIwas intimated of any transaction made.
I have also enclosed the EMI letters which you had sent across to me, which says that the EMI ends in JAN.
I am also enclosing the card cut into two piece as stating I surrender my card to you CARD # 4346 7810 0143 8241.
I do not have any tranasction of Rs. 44, 000/- as it was blocked from June.
I was never intimated through mail or written letter that charge was added for Rs. 44, 000/- due to non payment of the EMI's.
There was no preclosure from my end, only I wanted some information about the preclosure.
Also, In fact i didnt pay 2-3 times monthly in 2007 due to the issue on my card for wrong transaction. so before clarification was made how can I make payments.
I have all the wriiten proofs of delay in answering from your customer care department.
Hence, as you had sent the letter for CASH on CALL EMIs, I have never recieved a mail or letter from HDFC stating that a charge of 44, 000/- has been made, since is deactivated. I started recieving statements of a different card # 4346 7810 0214 2164.
I have never recieved the card till date and neither I have used... Hence it doesnt belong to me.
I might have a balance of 246.83 for loan # 755085 for the month of FEB which I will pay a payment of 500/- to end the loan. Loan # 698891 is closed and besides these two i do not have any other loan from HDFC bank credit card as it was blocked from June.
If this matters doesnt end here then the next step would be to go to Consumer court for harrasing people from credit card companies.
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