Dear Sir / Madam
I hold an account with HDFC Mahim Branch (Mumbai),
Saturday morning I recieved an SMS from the bank stating that my acoouct balance is Rs0.00, where as the Ledeger balance was Rs 10000, after having a conversation with the Bank Branch manager I found out that all my funds on hold and this has been done by the HDFC Bank credit card department.
On my questioning them who has authorized them to do so, their reply is that the HDFC bank credit card team can do so on their will, where as I had never authorised any one to use my account on my behalf.
One talking to the HDFC Credit card department they transffered me to the collections department, as per the collections team they have put a hold on my funds as I have not mad my credit card payments and will release the funds only if I pay the money, I have told them that I had spoken to one of the collection agents in November and he had told that I can settle my account on Payment of Rs 11000/- against a amount of Rs 23000/-, I even made a payment of Rs 5380 /- so that he can process my settlement and then make the rest payment of Rs 6000/-, to prove this I have the complete conversation recording on my cell phone.
Now the collections team says how can I believe someone who says that he is settling the account and are technically blackmailing me to pay up or they wont release my funds.
Kindly Advice
Regards
Abhijeet Samant
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