Credit Card
Fraud in settlement of credit card

Dear Sir,

I, Vibhor Misra, was using credit card (4050285000077337) of HDFC Bank. This card for sold to me with very forceful marketing approach. I used this card and paid my amount in time but once statement did not reach to me in time and since card was used by one of my family member so I did not know about it. Statement reached to me after three months (please note that HDFC did not send me any statement by e mail, this is only hard copy which is sent to the customers.). After receiving the statement I contacted Bank and requested to waive the interest amount. I met Mr. Kumar who was working in HDFC Bank (on roll). After long discussions and meetings, he approached me and confirmed that you have to pay only principle amount and there will be no interest payable, I accepted the endeavor with expression of thanks but before that he used my card for withdrawing some more money and deposited same amount as minimum installment which was to be paid that time. He confirmed that after paying Rs. 50, 000/-, there will be no further amount payable but my card will be blocked. I paid Rs. 50, 000 by cheque and taken a receipt. Before this payment, I received a call from Delhi office of HDFC about settlement of my account. In the mean while he also used my credit card to windrow some money to pay minimum installment amount. He convinced me for the same, after showing his visiting card and promising me that he would make my payables ‘interest free’. This all happened before about one and half year. Since then none statement reached to me and after paying Rs. 50, 000/, I thought that this matter is closed. After some time I changed my job and shifted to Mumbai from Lucknow.

There was no communication from bank side to me. Then before a month I received a call from bank that my account is not closed yet I there is some interest payable. I was surprised and tried to approach to the same person but his cell number was changed.

Yesterday I received a call from a person named Mr. Ram Sahay. He mentioned that he is speaking from Delhi Police and there is a case against me. This was under another mental shock when I came to know that HDFC bank has filed a case against me and I am supposed to reach to the court at Delhi. Let me mention that before this call I was neither informed that there is not a court case nor I received any notice from court about the same.

I am under extreme disappointment, depression and pressure, which is adversely affecting my personal and professional life, just because there was a very vast communication gap between HDFC Bank and me. If I have paid the principle amount which was Rs. 50, 000/-, I could pay a small interest amount too. I did not pay interest amount just because representative of HDFC bank only confirmed that I got waive off. I would like to

Let me again mention that I did not receive any ‘Black and White’ communication from bank neither as ‘Hard copy’ nor ‘Soft Copy’ about any such development in last one year. Otherwise I would have been able to sort-out the matter by now.

I request you to please, look in to the matter and reply to me on same e-mail id.

I will be extremely thankful to you, if I get fast reply to this mail in order to resolve this matter.

Vibhor Misra

vibhor.iise@gmail.com

Company: Credit Card
Country: India
State: Uttar Pradesh
City: Lucknow

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