I had a HDFC credit card and used to give monthly installment then HDFC bank lost one of my credit card payment cheque so the card payment got delayed and the next month the HDFC credit card department sent a bill of rs16,000 where as my actual spent on the card was rs11,000 which i agreed to pay and they sent me a Settlement Offer Letter of RS 11,000 but to my shock the very next day when i my account was debited with RS 16,000 and since then i have been writing to the bank but to no avail so now i have thought of forwarding a complaint to the consumer cell as because of the money debited from my account and the account being ceased many of my ECS commitment have been breached and i have become a defaulter. Beware!