HDFC credit card salesman approched me on phone and offered free credit
card.
Intial card limit was approx 30000 which was later extended to 60000 due
to regular transactions and repayment on card account.
Recently card had reached the outstanding balance to 60000 and I have duly
paid 40000 out of it after confirmation with call centre executive as I
dont receive any statements in time at home and they charge monthly
interest on this amount which is above 2000 and late fee of 500. I have
asked them to produce Proof of Delivery for the statements delivered,
which bank is not ready produce. As per banks record this outstanding
amont has reached to 32200 now i am being forced to pay this through
extortion calls made by Banks executive Mr Raj from telephone number
30966383 wherein he shouted at me and threatened to send guy in my office
to see me. i am ready to Pay for the remaining 20000 as per the card limit
but he is saying " Agar tuze saste mein settle karna hai to office
aaja, bankers milke tuze dekhenge" else pay the full amount. i have
told him that since I remain busy, i will send my representative or dad
with payment cheque, you can collect the cheque and release the settlement
letter to him. but he denied and insisting on me to come. It appears that
he do not want to receive payment but to get physical with me for
recovering the excess interest amount. I have clearly told him that if you
feel what I am doing is incorrect, you may file a lawsuit against me in
court of law and we will accept the decision of the court. But he said
" tuze court mein jaane ke liye paise hai but muze nahi de sakta kya
and not ready to follow the ethical business practice for the collection
of lawsuit. He has also threatened me that I will come to your office and
speak to your bosses and every one there to make sure that you loose job.
I request Consumer court to help me in the fair settlement of the
account.
Consequences: Physical losses -
Risk of getting physically assaulted by Mr Raj / HDFC representative or
third party non bank collection staff so that bank cannot be held
responcible for their misbehaviour at home and office.
Loss of life for me and to my family at residence.
Economic Losses -
Loss of property or valuable which he said he will pick up from home if I
dont give him money he demand.
Loss of Employment which may also lead to physical loss of death due to no
income at home or I might commit suicide due to mental stress put by HDFC
Bank and any incidental loss to family and old parents due to no income.
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