HDFC Credit Card
O/s converted to EMI's without my consent

Card No: 5243 6811 0085 8979

With ref to the above card No I have taken a loan of Rs 50000 and subsequently paid an amount of Rs 44000 in the month of Nov. I used to get the email statements regularly and I found that the amount was showing a negative balance and on June there was a negative balance of Rs 2000 in my card

Few days back one of your recovery agents called me and informed me that there is an outstanding amount on my card which is around Rs 8000-9000 Rs and asked me to pay the minimum amount due of Rs 3300 but I informed him that I would be able to pay only Rs 2000 which I did so using the HDFC ATM on 8th of October. If my mathematics is right the outstanding should have been Rs . 7000 or - (including LPC and interest).. And I have also called the call centre and checked for the outstanding and your guys have informed me that the outstanding is Rs 6700.00.

Today again your agent called me and asked me to pay the diff of Rs 1330.00 and I informed him that I would pay in the evening of today (21.10.2009) and I was surprised to listen that the outstanding has gone to Rs 12000.00 How??? How in a matter of a weeks time the outstanding has gone from Rs 6700.00 (as today by your call centre agent) to Rs 12000 (again told by your call centre agent).

I have informed your recovery agent that I would not pay the amount till the matter is settled as I feel that I am being fleeced of the money. First of all I never asked for any EMI's. Why would I pay the amount of Rs 44000 in the Nov if opted for EMI's. I would have paid the amount through EMIs only. I have asked your call centre agents to block my card fearing of mis-use and also I have called for 6 months statements of my card

I fail to understand on what basis you guys are charging your customers who are paying their dues promptly and why is that you have converted my outstanding to EMI;s when I have never asked for.

Note: I want a reply on the above issue at the earliest possible time

Mobile:9295003506

Company: HDFC Credit Card
Country: India

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