Hi..
I am having account with hdfc, ahmedabad, bodakdev branch for almost ten years now. Currently they have put my account on hold, from which date I dont know, as I come to know this while I tried to use my card in ahmedabad on 9th jun 11, thursday, right after that I called the customer care why in spite of having sufficient balance I am not able to use my atm. The person asked me to talk to loan dept for that.. it was a long conversation and the person told me that my acc is put on hold as I took personal loan in 2007 and two of its installment are pending. For my surprise I was never informed by bank in this regards, nor thru calls or mail or a letter. I took personal loan in delhi (aft marriage I shifted) but payment was thru an ecs facility, in which they were supposed to debit amount direct from my account, and in any case if its bounced for any reason, bank is bound to inform me. Without any information they put my acc on hold. Pls find detailed story of my followup with bank since 9th jun to till date as below.
9th jun- found my atm not working. Got D reason loan amt due since 2007
I say- DID bank was sleeping all these years, y I was not informed. Y I M getting letter aft acc put on hold. Y no one senior talking to me and discussing the matter.
10th jun- rcvd a letter from bank (dept on 4th jun) this is to inform you that due to irregular repayment of your loan insallens and oher chargs yhour capioned loan accountt is called to forclsoe for r 10557 as on letter dare. Despige repeaed reminders byh way of phone calls visits an recall letters yuou ajve not taken any action to regularise the loan acc. Under therse curcustances bnank has been forced to mark hold funds in the above acc in the exercise of the banker's lien and right to set off to the extent of total oustand in the loan acc. Pls remit the toal outstanding withing 7 dyas of notice.
For clarificaion call raj kumar 9310621692.
Hdfc bank]
9th floor, ansal classique tower
j nlock
rajouri garden
delhi-110027
(most part of the letter is mentioned above)
me- letter rcvd aft the acc was bared. 7 days limit mentioned but not followed by bank. There was not a single call or a reminder mail or a letter rcvd by bank. If they were sending collection person at our delhi address, they must would have been told that we do not stay there any more. Why no mailing done on my ahd address or on my email ID.
Why suddenly bank has waken up after four year.
We left delhi in aug. My hus was in calcutta for job and me in ahmedabad for my delivery. Loan payment was thru ecs so does not make diff where we are. I left my job and shifted so my husband used to credit amt in my acc for loan payment. Due that we could not meet exact date of debit but all the dues where paid with lpc charges of bank. And if one or two were missed bank should have informed us.
15th jun- aft my call on 9th there was no revert from bank. After returning to mumbai I visited dindoshi branch, mr mathew greeted me there. As per mentioned in ltr he put me to mr raj on phone.
Raj- my nov and jan amount was bounced due to lake of balance. Waterver the balance was in account was taken but that does not make full amt.
Total out standing comes-4610
bounce charge-450=450=900
I was ready to apy 5510. But bank gave me diff calculation
late payment pentaly-2829
chq bounce 3150
pending installment-4610
total- 10589
I had detailed discussion with mr raj kumar-9310621692.
He promised me call back but never DID.. neither picked my call for several days. Finally when he picked up asked me to talk to mumbai customer care. I called and had word with mr suraj and he too promised me that will arrange urgent call back but no one turned up. On 24th I called up mr raj again and told him what happen but he is least interest in solving the issue. He said he cant do anything and I will have to clear complete outstanding and disconnected the line.
I am ready to pay 5510 what is actual out standing. Will not pay any rubbish charges included by bank.
This is repeatedly informed by me to bankers but there is no one sincere to communicate and take action.
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