To,
HDFC Bank
R/Sir/Madam,
I wish to intimate that I have a saving account no. 03261000040620 in HDFC Bank, Saharanpur branch. I had transferred Rs 30000/- (Thirty thousand only) vide cheque no.263107 dt.1.9.2008 to my Provident Fund account no 1602111. The cheque was bounced back. At that time I did not have sufficient amount in my account. This cheque was accidentally issued because I have another account in SBI and I was a bit unaware of my HDFC Bank account status. At the same time I was having sufficient amount in my SBI account. Due to this mistake the HDFC Bank has posted a penalty of RS 350/-, which is too much. The transaction was made to the same person. Is this the right thing to post a penalty on such a mistake? The cheque was not issued to the third person or party. The bank is a bit too harsh.
I also wish to bring it to ur notice that on 2.9.08 I had put a cheque in HDFC bank for clearing and the cheque was returned by the bank. The bank told that there is a computer system failure and the cheque should be presented the next day. If the customer’s mistake is punishable than bank should also pay the penalty. There should be the same rules for the bank and the customers. I hope u will take the note seriously.
Thanks
To,
Banking regulatory authority
The above written complaint was lodged to the HDFC Bank. In reply to the complaint Mr. Narendra from HDFC called me on telephone on 27.9.08 through telephone no. 01322726439. He threatened me that the bank could put me behind the bars for issuing a wrong cheque. How could the bank threaten the customer when they have already posted a penalty? This is complete “Gundagardi”. The banks can hire goons to recover debts. The bank can take automobiles away forcefully. They can do everything they want but the customer can do nothing. These banks have hidden rules, which they do not tell at the time of opening of an account. When the account starts operating they start to apply the hidden rules and begin cheting the customers. Kindly do something to protect the customers otherwise some day the bank will even threaten us to kill. I also wish to bring it to ur notice again that the cheque was issued to the same person and not to some other party or third person.
Regards
Zinda Hasan
14/498/5, Sheerazan Street
Near Atta chakki
Saharanpur-247001
HDFC Savings A/c no. 03261000040620
PPF A/c No. 1602111
Ph : 0132-2649088
M : 09411648363
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