It all started on a very fine day i.e 25/3, when I received a letter from the bank stating that I owe the bank the sum of Rs. 8, 660.53 towards credit card outstanding and after their repeated reminders by way of telephone calls and letters, the bank has placed a ‘hold on funds’ by exercising the ‘Bankers lien and right of setoff’ .
To my shock I got to know that they have been making calls at wrong numbers and talking to wrong persons.
and I haven’t received any statement of outstanding amount since they had been contacting wrong persons and they never cared to send any document by courier nor the statement of outstanding of outstanding since 2005. a
HARASSMENT CALL RATHER THEN A CUSTOMER CARE CALL
there statement also show only 4000 as outstanding and they are demanding 8000 with no records given to me as to how the amount almost doubled. And when i tell that in my last payment reciept i got full & final payment settled on the reciept, they refuse to acknowledge that.
Adding more to harassment my Cheque was being presented in HDFC Bank was dishonored wherein the reason for that mentioned in was ‘ Funds Insufficient ‘ and marked hold due to credit card lien marked, which lead to monetary losses & business losses, incurred by the customer and harassment.
when the customer asked for a closure of his account, he was being told that even a closure could not be done as FUNDS WERE IN HOLD and credit card Lien was marked on the account.
No correspondence had been made from the bank’s side since Jan till date
I would like to state that as per RBI’s guidelines
1) I have been WRONGFULLY BILLED
2) No time limit was given to me to sort out the issued as per RBI ‘s guide lines a time limit of sixty (60) days may be given to the customers for preferring
their complaints / grievances.
3) No statement of outstanding balance amount received from since 2005 till 2008
4) Banks fault in contacting me. Calling at wrong numbers.
deepak
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