Even myself also faced the similar kind of issue from HDFC. Unfortunatly my ECS got declined, immediatly, they called me for payment. I told the person, I will make the payment on 31-Mar since I get the salary on last working day before 12PM. He agreed for the same, but on 30-Mar, I got call from another person regarding the payment. That fellow was scolding and also behaviour was too bad. I have complianed on the same to HDFC bank. but finally I got the -ve response from HDFC bank. I don't understand how this bank got best awards.
Finally I came to know, HDFC bank give the recovery job to Agencies. There are 32 agencies in bangalore. they gave to all, So creating compitition b/w them and encouraging misbehaviour with customers.
I question: How can they disclose my personal details to Agencies. Isn't it illegal?
one word I can say, HDFC wishes Loan customers to die.
Beware of HDFC bank Personal Loans.
Find the response from HDFC bank and my queries below.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&-
Dear Mr. Prasad,
Thank you for your patience and co-operation.
This is with reference to your e-mail regarding collection recovery.
We understand that our executive has contacted you regarding the collection calls received.
As regards the calls/visits by Collection Agents, these are as per our process of investigation/ recovery of overdues. Our Agents operate under strict guidelines on the tone and tenor of interaction with Clients and you are requested to provide specific details, if any, of the alleged misbehavior. In any case, the inconveniences to you in the matter are sincerely regretted.
As you are aware, EMIs are set at the time of disbursal itself and no interim change or suspension / postponements etc are allowed. Furthermore, delay in realization of EMIs also leads to accrual of charges relating to EMI bounce / delayed repayment.
Going forward, kindly ensure that the residual overdues, if any, are cleared without any further delay and installments are paid on the respective due dates. This will help avoid such problems in future.
Thanking you in anticipation of your kind acceptance.
My mail:
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Unfortunately, My EMI payment got declined for this month, so thought
of making the payment on 01-Apr once I receive the Salary.
Your recovery section executive (Lava Kumar) called me on
26-Marand then discussed regarding the payment. I confirmed that
I will pay by 31-Mar evening since I get the salary before 12PM
on last working day of every month. He agreed for making tha payment
on 31-Mar.
Again, another executive (I think name is Deepak) called me on
30-Mar and was demanding to make the payment by EOD
30-Mar. Since I don't have money in my hand, I clearly told him
will make the payment by 31-Mar.
1 > He was suggesting me to take money from friends and make the payment done.
Q> Do you people have right to suggest customer?
2 > If don't make the payment, He was threating me I will be put in
defaulters list. As I can't adjust money on 30-Mar, I told him let
it be in Defaulters list. but he was still unhappy and threating me
like...
a> Your bank is going to make sure me not to get loans from any other
bank itself.
b > If I provide my emp id and company name, Your bank will go discuss
with company HR.
Q > Do you have right to discuss with my company HR and make sure my
job is lost?
Q > Is it right way to handle the customer if one EMI is declined?
Q > Am I cheating hdfc bank when payment is not made on your preferred date?
3 > Your recovery executive was suggesting hang my self, so that HDFC
bank will recover the money from insurance company as this loan was
taken with Insurance itself.
Q > Do HDFC bank suggest customer to die if a single EIM is not made on time?
4 > One word " Fuck your ass whole", this is word your executive used
when I had long discussion.
Q > Do HDFC bank employees use "Fuck your ass whole" word with your customers?
I really felt myself bad yesterday and decided to close the loan in
few months. I know, If clear the loan now itself, its a big loss for
me and big profit to HDFC bank. Very good marketin skill.
Q > Do HDFC bank train up the employees like this? No Customer
support, only fighting, threating the Loan Customer.
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