HDFC Credit Card
Abnormaly high penality

I have taken credit card no4346 7720 0128 1541 in december o5

i have net purchases of 24000 approx in 12 minths and paid @20000 til aug 07, the collecting agent adviced that looking at my financial problems he will let get extra penailtys waived off any i have to pay balance with minimum interest as per their settlement procedures. henever turned back

in september i got a call from a lawyer, a person from delhi court, and a police iinspector that a case has been lodged in delhi under no??? and as i have not appeared in court he is coming to lucknopw to arrest me. when i contacted a lawer in delhi and gave them numbers and name provided by them nothing surfaced out.

mean while i went to the bank as indiated by above lawer etc the person their straight forward said that nothing could be done as the matter is in court since last 6 monty for recovery. i could not understand how the recovery was filed in march (rs 53000) for balance due in september-october '2007 could be filed 6 months prior for rs 53000 approx.

later i got a letter in march for prelitigation in mach 2008 just one day before date recived by my brother and who delivered me in the morning of the date for which i could not attend.

now in may 07 hdfcbank personls called on me that on 02/05 you had to appear in madras court for the litigation filed by them for which i didnot recive any message from the court. and how come now jurisdiction is madras. (you can well understand that this is just to haress anyone who cannot pay for abnormal penalities charged on card where as it could have been settled under the settlement lasws of the bank. and now in may they ask 58000 (i.e. i pay 78000 in 2.5 years for loan amount of 24000 for which amount of 20000 has been deposited as aske by bank installments.)

now they said that the amount can be settled at 20000 if i coulsd pay the same in one stallment for which i requested to convert same into 4-5 installments as i would avoid going to court and fighting for another 2-3 years they didnot accepted and later said that we have talked to the head office and the case ll not be settled at least with yoy it could be negotiated if only you deposit 10000 upfront and balance will be negotiated only after that and if u dont agree the law will take its own cource and they will take non bailable warrant against me for not appearing on 02/5/08 (for which I had no information and I was financially incapable to attend the same if I had even received at a short notice.

Now i want to know that why the company made forged calls from delhi i have all numbers with me from which they called or i reciprocated and what action can be taken and by whom for blackmailing the debtor by illeagal means by these rputed banks?

why the jurisicition is madras while i never left the city for last five years and nor have financial abilty to run to madras for legal battle?

Is there no law to prevent banks from charging such interest 24000 taken as net purchase 20000 deposited in 8-10 installments and still 58000 to go till april ’08 and further till finalization of card payment and filing a case in madras jurisdiction where no person who is financially incapable can fight them.

Where can I take my grievances for same.

Regards

Sandeep deora

Age 41

d-280, vibhuti khand, gomtinagar lucknow 9305758304

Company: HDFC Credit Card
Country: India

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