HDFC
Converting outstanding amount into a regular emi

I don't understand how the cibil department can declare any citizen as defaulter, when there are not involved in the intial commitments or discussion with the customers when any citizen opt's for a service from the private banks.

The cibil dept is unaware of the problems faced by the customer and due to which the customer is bound/forced to default his loan/creditcard amount.

It's a one sided decison taken by the bank and the cibil dept, and i think some higher officials from the government sector should look into this.

I am holding a HDFC gold card for almost more than three years. and have been clearing my dues regularly. During this tenure there where certain instances where i was not able to pay the amount on time and i have paid the fine also. I have no regrets on this.

BUt now since my outstanding amount his too high and i was not able to clear the amount at once, i requested the bank officials to convert it into an EMI so that i can pay it monthly, but they are denying to do this..

Inspite showing the interest to pay the amount on a regular basis there is no support from the banking staff..

Can some one help me out on this.

Thanks

Hemant