Sir
since i was tired of paying almost every month for many months towards my credit card, i opted for a settlement with the bank through one of their agent (RR solution) & it was decided to pay Rs22000.00 to be paid in 5 installments. The first installment was Rs6234.00 was collected in cash by the agent on 14.5.09 & rest 4 cheques were also handed over to the same person. The bank also debited the amount in the consecutive months of Rs3938.00 till Aug, 09 but in the month of sept, 09, the bank put a hold on my account without informing me about it. On my personal enquiry, it was stated that the settlement money is not received by aug, 09 thus the settlement is void. Infact at no point of time it was mentioned by the bank that the settlement is made till aug, 09 nor the bank had corresponded with us regarding any such conditions. The settlement was done through the agency & when contacted are reluctant to do anything to help us.
I had personally met with the agent namely Mr Vikrant who took me to one of the HDFC bank office at Rajouri Garden. There the bank officer asked me to sign one debit note to clear the matter which i too obliged by signing the debit note for Rs4000.00 & i was assured that the matter is settled. but now i find the bank has taken Rs27000.00 from my account on 16.10 09 without my permission & on enquiry, the customer care people are telling the same old story that no settlement is done so bank has the right to recover the amount.
sir, i have paid double than the amount i might have spent through the credit card but the bank is still charging arbitrarily. I have cleared the settlement amount of Rs 22000.00 even after that the bank is forcibly recovering money from my salary account. More than anything else the bank had never intimated me about any such clause in the settlement rather they kept on receiving the money which i paid to the agent on 14.5.09 & the cheques subsequently debited every consecutive month.
No settlement letter was sent to me by the agency or the bank. I was told that a final letter would be issued only after the total money is paid so i was expecting the letter to come on sept, 09 which was the last payment through cheque.
The bank is now playing tricks by mentioning all false reasons & deliberately harassing me to extract money. My salary account is with the same bank that so why they are forcibly recovering money. I'm a simple lady & will prefer to live with peace so would request you to look in to the matter and help me getting back the amount which the bank has taken forcibly from my account.
my mobile no:- 9818263309
credit card Number- 4346781100045509
Regards
Rakhee Sahoo
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