Dear sir / madam!
I was HDFC credit card No:4346772001520898, which had a crdit limt of 25000/-. due to finacial difculties i was un able to pay from sep so my total due bolloned to 50, 000 some thing by april. So when their agent approched be for a settlent with a promise of weaver i complied in good faith.
Now i find out in march not only am i in defaulers list my wife is also in it. just because the bank has issued a add on card in her name, which she has never used. when i wrote to the bank complaining and pointing out that how a add on card person be a defaulter when that person is not legaly liable for any outsanding on that card. His reply was even more shoking he game example of joint account and fds, but when i pointed out that a credit card is given to primery card holder on that persons credit ratting alone and not on add card member. His curt reply was that if i wanted to clear our name from the defaulters list, we must pay the full outstanding. This is nothng short but BLACKMAIL, and really wrong.
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