Titanium Card # XXXX XXXX XXXX 9452
1. Statement dated 17 June showing Min. Amt. Due – Rs. 2354.76
2. Statement dated 17 July showing Late Fee of Rs. 650/- debited
on 12th July
3. Statement dated 17 July showing Payment Recd. Cash at Branch
Rs. 2500/- credited on 17th July
4. Statement dated 17 July showing Chq Retn Fee of Rs.500/-
debited on 4th July.
As per reference 1 above I had dropped Cheque No. 24227 on 6th July
drawn on HDFC Bank at your Pune Branch ATM Centre for Rs. 2400/-.
However between 8th July and 16th July I kept on receiving
calls from your call centre reminding me about the dues, and to each of
these calls I had affirmed that I had dropped Cheque No. 24227 on 6th July
2008 drawn on HDFC Bank at your Pune Branch ATM Centre for Rs. 2400/-.
After having heated arguments with the tele-executives from your call
centre I deposited Rs. 2500/- in cash on 16th July at your Pune
Branch, which reflects in your Statement dated 17 July. in lieu of
the above cheque which was not deposited by you till that time, If your
calls to me are recorded properly please refer to the calls wherein your
tele-executive had threatened me to debit late fee for non-payment though
I had informed the about dropping cheque No. 24227 on 6th July drawn
on HDFC Bank at your Pune Branch ATM Centre for Rs. 2400/-.
Please refer to 2 above wherein Your Statement dated 17 July showed a
Late Fee of Rs. 650/- debited on 12th July.
From 6th July till 4th July exactly for a year, this cheque No.
24227 dated 6th July drawn on HDFC Bank dropped at your Pune Branch
ATM Centre for Rs. 2400/-, was not deposited into my bank.By this time
the cheque date was also invalidated due to passing of exactly a year.
Please now refer to 4 above wherein you have debited a cheque return
handling fee of Rs. 500/-
Please note that the cheque was neither presented in time for which period
the payment was made, nor it was presented within the valid period of
three months from date of issue. In this respect please also note that the
cheque was not collected by your Executive from the Pune Branch ATM Centre
during the period it was dropped.
So also my bank has charged me Rs. 350/- as Cheque Return Charges for no
fault of mine.
I now request you to check
1. The date of the above cheque no. 24227
2. When the above cheque was collected from the Pune ATM Centre
3. When the above cheque was received by the person in-charge of
depositing the cheque, and
4. When the above cheque was deposited.
5. The Tele-executives calls logs to the undersigned.
In view of the above facts I request you to credit my account with Rs.
1500/- (Rs. 650/- Late Fee dated 12 Jul Rs. 500 Ret Chq Handling
Charges dated 4 July Rs. 350/- charged as Cheque Return Charges by
HDFC Bank dated 5th July) in my next statement.
In case the above amounts are not credited immediately in my next
statement I will be filing a complaint with the Consumer Court in Pune for
the above redressal at your cost.
So also as the above due amount of Rs. 2400/- has been paid to you
subsequently in cash, I request you toi send my above bounced cheque to me
for my record.
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