Even after receiving confirmation mails from [email protected] dated 19/10/2006 about the payment of Rs18000. And even after the issuing of the Settlement letter from the HDFC bank and even after showing the payment receipts to the recovery department. The recovery department is harassing by calling, for the amount of Rs15222.

Beware!

Our firm Sri Janki stores had installed credit-debit card machine from HDFC bank. During one of our transaction customer's card was swiped thrice. But this transaction was not shown. But later when the customer checked his bank details he found three entries have been made. As we had made all his entries void the amount was transferred from our account. Till date the customer have not received his amount, so we had given him the cash money from our account. After repeated complaints made to HDFC bank Asansol Branch, till date we have not received the money in our account after giving the bank a written letter from the customer that he has received the cash from Sri Janki Stores.

Beware people!

With full of frustration I am writing this complaint. If anyone can help me please give the appropriate person call number because the phone bankers are again delaying to look at the complaint. The issue is as follows:

1. I have given the request to change the address by April 26 2007.
2. I went and inquired whether the address is modified by April 30 2007 and got it informed tat they will change the address by May 3rd or May 4th
3.Then again i went and inquired on May 4th and got informed tat they didn't update the address.
5. I fought with the guy like a manager and got the DD's to apply for my visa and the bank statement for 6 months on May 4th.
6. But in spite of all my struggle the statement given was with the old address and hence my visa was returned from the visa agent on May 9th
7. On May 10 I again went to them to get the new statement with my new address but now the concerned person is saying tat the address is not yet modified as he thinks tat the form may be lost and he asked to give the new form. With full of frustrations I walked out of the place.

I am in full frustration. As a customer how can we handle such a humiliating and irresponsible activity from an organization like HDFC. I have to bear the loss of getting back my visa and after affects of that.

I have taken a personal loan from HDFC and filled an ECS mandate form after loan approval. But the bank representative who took all the forms and completed documents did not tell me about the ECS date.

In the month of repayment of first EMI, I suddenly received an SMS quoting that my first EMI through ECS was due on 7th day of that month. Please note that this date is not convenient for me as all my funds and salary transfer on 7th itself or by 10th day of the month.

Moreover, the ECS transaction is being held on different dates. Once it was held on 8th, once on 9th and other time on 7th day of the month. Due to this discrepancy I could not deposit money in my account and finally I was penalized by my bank (ICICI) with which I had my salary account.

When I contacted HDFC customer care, I was informed that this date could only be decided at the time of form filling when my loan was approved. So, the customer should have right to choose the appropriate date as per his/her convenience. But the banks are not giving that right/ information to the customers and making them fool like HDFC bank did to me.

I want to put my views and opinions about HDFC bank and my horrible experiences that one may doesn't want to go through. I have a very pathetic experience with HDFC two wheeler loans and the issue still remains unresolved by them. In November 2004, I had taken a two wheeler loan from HDFC bank which made me a proud owner of my bike. I have been a loyal customer to them and have never defaulted in any of my payments and have never done it in my life. We all know how important our credit history is to us.

My loan account number is 879160 and my name is Mr. Kuchi Venkata Subbarao. I do not stay in India currently and so may not be able to take timely appropriate action against these crooks. I have my parents staying in India who have to go through the harassment made by the bankers. As we know that two wheeler loans are only given if we provide post dated cheques of the amount required to be given to the bank. All my installments have gone through smoothly except for one in the month of May 2005. The reason for the same not going through was due to signature mismatch.

To the best of my knowledge I have only one signature which I make wherever required. However, the very next month there was a phone call made to my place and asking to make an alternate payment with late fees. Since I was not there that time, my parents had to make cash payment to the person appointed by HDFC for collection. Nevertheless, after making payment a receipt was handed over to my parents saying that the payment was then cleared. Till today I was living in complete peace and the loan was closed and the last installment got debited in the month of October 2006.

All of a sudden today my parents receive a letter dated 18 November 2006, using the extreme harsh language and threaten to have the bike confiscated and auctioned to recover the amount due from me at my cost. After having a word with the customer service (harassment) executive, I realized that the letter was in respect of the installment not received by them in May 2005 and I should be really glad to the bank for their early response for which i have already made an alternate payment. Surprisingly the letter also used words like "instead of repeated reminders i failed to make the payment" where as there was no single correspondence sent to me at my address. I was promised a reply within 3 days by the executive but there is no reply till date even after 5 days.

Following is a list of my concerns and will be very grateful if you can take it forward to the person responsible for the blunder.
a) Why don’t they have complete details in their systems if the payment was collected by their own representative?
b) If it was to do with an installment of May 2005, were they sleeping till now?
c) If they had a system saying that the payment was not made for that month, why was there no correspondence sent or phone call made to me till now about this?
d) Why did the letter use words like "instead of repeated reminders" when there was no single letter sent or a phone call made to me.
e) While talking to the customer service rep. I was asked if you have the receipt??? I said I had the receipt but never expected you to come back so late asking me for it. Am I wrong if ask you to produce the receipt of your class tenth examination fees? Can I expect it to be preserved for me?

I do not expect my parents to go through any inconvenience just because i am not there to handle the situation especially when we have cleared all our dues and have no liabilities on us.