Dear Sir/Madam,
I am a HDFC Credit card holder with a limit of Rs.37, 000/-(Rupees Thirty Seven Thousand only). I was using this CC since 2008. Due to some financial problems I could not manage to pay my outstanding dues on time. I got harassed by your recovery department by calling on all my office numbers, resulting lot more humiliation in front of colleagues & senior management. Sometimes even they called up my father for making the payment which is very unethical & unexpected from the reputed bank like HDFC Bank.
Later on, when I was in a position to pay off my dues in regular installments then i called Customer care to collect the payment in regular installments. Details of which are given below:
On 8/5 Cash Payment at HDFC Branch Rs.2, 000/-(Two Thousand Rupees only)
On 8/6 Cash Payment (Executive) Rs.10, 000/-(Ten Thousand Rupees only)
On 8/7 Cash Payment (Executive) Rs.10, 000/-(Ten Thousand Rupees only)
On 16/8 Cheque Payment (Executive) Rs.5, 000/- (Five Thousand Rupees Only)
Total amount paid is Rs.27, 000/- (Twenty Seven Thousand Only) against the outstanding of Rs.47, 800/-(approx. including charges).
In the month of September, I called up HDFC Collection Executive named Mr. Amol, to collect the cash payment of Rs.20, 000/-. I got a respond; your Card does not have any dues now. Astonished, I called up Customer Care to ask what has happened to my Card. The reply i got is, 'your Card is permanently blocked and we cannot view any details of your card'. Anyways i had stopped using this card, that was ok but what happened to the outstanding. The reply was, we don’t have any details.
I called up Mr. Amol again to confirm what exactly happed to my Card dues. He replied, “Sir, I don’t know what’s wrong with your card, I will have ask my boss Mr. Dominic about the same." After that Mr. Amol left the organization & Mr. Dominic is still working with HDFC, i guess.
Now recently, I applied for Housing Loan as i decided to buy a house for my Older Parents. Suddenly shocker come, 'you have one card settled'. I mean, I never gave a request to settle my dues on the Card. I want to know, without a settlement letter or any such intimation how can a Bank like HDFC settled off dues? As per latest communication by your Customer Care executive you have settled the card in Rs.14500/-. Ironically, who gave an authority to Bank to directly settle the dues without intimating customer who is already paying his dues on regular intervals! Mr. Amol had given me his mobile number, so I spoke to him regarding the same, even; he is surprised to hear that my card is settled.
I want to know what best can be done in this regards, this is an unnecessary activity because of which I am facing problems. HDFC Bank is responsible for this.
Satyawan Mohite
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