I had a credit card numbered 4346 7720 0307 7533 for which a total outstanding was Rs 35000 approx, I had asked for settlement of this card and HDFC had offerred me Rs 12000 and Rs 19100 for a loan on this card.
Now the gentleman who had come over with this letter gave me a letter with a separate credit card number and I refused to sign it but however I signed the loan settlement letter and paid off the initial amount of Rs 1600. I had also given a cheque retrieval form which meant that every month the bank will return my cheque and collect cash instead.
However no one came to collect the cash since the last 3 months and no one came with a fresh settlement letter on the card.
Now yesterday, an ount of Rs 48000 has been debited from my savings account and I am being said that I need to pay Rs 26000 next month as Chennai office has decided this and nothing can be done.
I have spoken on customer care and I was supposed to get a call by 12noon and I did not receive any call as usual, I callled up the collections teram but to no use.
This is the worst harassment a customer can have when he is willing to pay but the bank does not collect and then debits whatever amount is there in the account leading to tremendous financial and mental pressure.
Apart from this I have atleast 2-3 receipts against payments on my credit card, numbers which do not match my card, this shows what fake the bank is doing.
Please look into this and would request you to sort this
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