Hi,
I am having a Credit card of HDFC bank, validity of my credit card was of 02-11. Till this date all the credit card payments were made in time through auto debit functionality of my HDFC bank account, however since I didn’t want to continue the CC further. I deactivated the auto payment functionality and have never used the aforesaid CC after this date.
Though without any request or interest shown from my side one new CC was delivered to my old postal address. This new CC was never been used and thrown out with intension to discontinue.
One fine day I get to know that some recovery agents are enquiring for my unpaid dues at my postal address, where I do not reside now, no communication (through Mail or SMS) was done before, for letting me know about any unpaid dues.
Now after enquiring and digging further, I came to know that the CC was never deactivated even expiry date passed 3-4 months ago and now I am being asked to make the payment of INR 7023.
I hereby express my exasperation and must say that this is not the way a customer should be treated and it’s against the business ethics, I feel like cheated since I have never been communicated and asked for any unpaid due for my expired CC. Now I should be given justification and explanation of these unpaid dues based on which the genuine payment if any would be paid by me (other than all late fees/ interest/ service charges etc.)
Looking for your co operation and genuine actions..
From:
Gayatri
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