HDFC Credit Card
Regarding Admin fees inspite of cancellation of card

I had a credit card of HDFC Bank in the year 2004. In the month of December post clearing all my dues with HDFC I had requested for the cancellation of the card. I had personally visited the Branch and asked for the cancellation and applied for this from my end. The Bank informed me that a cancellation confirmation will be autogenerated and sent out to me at a later date. Due to my personal requirement I had left for the UK on January and returned from there in the month of September. During this period no communications whatsoever came from the Bank at my homestead. As such i considered this to be settled and all cleared. Post my return as well i had no news from the Bank. In the month of 2009 October I had applied for a personal loan with HDFC. Whilst the loan was in process, i received a call stating that there were some admin charges post my cancellation that needed to be cleared as till then inspite of my early request they had not cancelled my card. As such it seemed that I should be paying that. Although I was aware that it was not my concern still i consented to pay. But then all of a sudden they cleared my loan and when asked i was informed that all is settled and that they are wrong on their part and I do not have to pay. Now in the month of March I was informed that i had to clear my credit Card dues or else there will be some problem with my standing loan. Again i received a call from HDFC collection department stating that they have been adding interest on my account on the admin charges and that on this date the total amount due is Rs.11, 000. And unless I clear that and get an all clear certificate it can cause issues with my standing loan. That is when I got really very agitated. I called up the Bank and found out that it can be settled for Rs. 3000. Now I was surprised that an amount that is not mine to pay or my expenses is being forced out of me and as well it is as if i am being given a concession for something that i am not responsible for.

Unless this amount is cleared the loan will not be considered sanctioned and as well if this is not resolved before the 5th of April my standing loan is loaded up with another 2 % surcharges for the re application and that amounts to an addition of 10, 000 rs approximately. As such I contacted the collections department and asked them to collect the amount from me and as well give me an all clear certifcate as I do not wish to nor have the time to fight this out and most frankly close this loan at this time. Due to some official matters i am currently out of town and hoped to clear it here itself from the local branch. As such contacted the necessary people and got an appointment for a collector to come round and pick up the cash and provide the certificate. The collector did not come but i received a call stating that "mam please make the payment but we will provide the letter at a later date". I did not consent to this. Then they got back to me stating that we will get it done after the weekend. Again when they got back to me they said that they cannot provide the letter as it is a Mumbai card and this matter has to be resolved there. As such i finally had to place a complaint with HDFC credit card and was told that they have forwraded it to teh necessary department. But as per mty understanding here, on simple terms, firstly inspite of it being not my payment i have still consented to clear the account and HDFC cannot help me with this. They are just playing passing the parcel and putting the customer in peril. I dont understand what's happening.

I need assistance with this badly. Request some help on this

Company: HDFC Credit Card
Country: India
State: Maharashtra
City: Thane

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