HDFC Bank Ltd
Loan documents never completed

I took a second hand car on 27th aug . the car was chevrolet optra . this car was financed by hdfc bank.we applied for loan on 26th aug'07 the loan got approved on 29th aug'07. we were delivered car on 1st sept'07. we paid all down payment amount and advance installment on 31st aug'07.on 5th sept'07 first emi got debited from our a/c.

a tragedy took place and car met an accident on 9th sept'07 on delhi-mathura highway.

my father who was driving the car expired on the spot and one more friend of his who was with him also expired in the same accident. the car was in total loss situation and after the cremation on 10th sept'07 when we demanded the r.c of the car from the banks dsa he got puzzled. on 11th he gave us the r.c and on recieving the r.c we immediately logged in the insurance transfer request and also the claim request . on moving in more detials we came to know car was transfered in my name on 11th sept '07 as the dsa of bank who is responsible to get the transfer paper submitted in the rto department forgot to get our paper deposited.

due to his fault after 3 months national insurance company who was the insurer of the car refused to accept us the owner of the car on the day of accident and refuses the claim as well.

on recieving this message from the insurer, we stopped paying the banks emi and requested bak to help us sort the matter.

but bank refused to help and ordered us to continue paying emi irrespective of whether we get claim or not.

now the bank has put our name in the defaulters list and still the accidentl car is lying in the police station only.

kindly help us in getting justice, the loss we suffered is irrecoverable but the financial loss and the mental harrassment that is been caused by this issue is actually making our survival miserable.

looking forward to ur support.

regards

vishesh

Company: HDFC Bank Ltd
Country: India

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