Credit Card
Posting me as defaultor of Rs. 1200/- on web site

12th June

To

The Managing Director

HDFC BANK

Mumbai

Dear Sir,

This is to bring to your notice the following regarding my HDFC credit card and posting my name as a defaulter of Rs. 1200/- on the website.

You may like to look at the following points.

(i) On 6-8-07 you issued me a credit card (No. 4346 7810 0088 9212) based on my account in your HDFC branch, Masjid moth, New Delhi, though it was clearly indicated by me that I do not need any credit card from you since I had other cards for which did not have any membership fee.

(ii) You also charged me a membership fee though I was not interested in using your credit card.

(iii) You reversed the membership fee on 22-11-07.

(iv) On 6-8-08 you imposed the membership fee and continuously charged me late payment fines on that and later sent me a threatening letter on 3rd March (UNSIGNED LETTER) saying that you will post my name on the web site if I did not pay your membership dues.

(v) You actually posted my name as a credit card defaulter of Rs. 1200/- in April in order to share the date with other institutions.

(vi) In the process of posting my name on the web site as a defaulter you have huge damage to my good name and credibility.

In the above context, I would like to mention the following.

That I have not used your credit card at any time from the date of issuance of the card since 6-8-07. Hence I am not liable to pay you any amount, whatsoever

For no fault of mine you have posted my name on the web site and made an attempt top tarnish my name and image.

To date I have never defaulted on my credit card payments, those that I use.

I have a feeling that there is some ulterior motive in posting my name on the web site and tarnishing my good name. One apparent reason could be that I had withdrawn my FDs and my family’s savings from HDFC bank, Masjid moth (customer ID: 20758580) because of lack of good service.

Though by your terms I am a credit card defaulter you have given me Imperia status on my bank account with you. You are sending threatening letter to me dated 15-3 from your officer – Debt management, which is unsigned. This also shows your inefficiency and the quality of your service.

Also I would like to state why legal action should not be taken against your bank on account of the above.

May I request a quick response from your bank before I advise my solicitors to file criminal and civil cases against you for defamation and damages for loss of my good name and portrayal of me as a credit card defaulter?

This issues without prejudice to my other rights under civil, criminal and consumer laws.

Looking forward to your response,

Sincerely yours,

Neela Mukherjee

New Delhi

Company: Credit Card
Country: India

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