Hi,

I have a personl loan with HDFC. But my ank is OBC Every month theare deducting tru ECS from last 2 years. But thismont their ECS got rejected and they called me for the payment.Balance is ther in the Account. As i enquired at OBC, i came to know that th ECS got rejected due o som connectivit problem between Banks, and all he ECSs for eery bank which came to OBC got rejected. Then all those banks re-submitted their ECS's and encashd their EMI's.
But this HDFC pople are pressing me o pay at their counter other wise i will become a defaulter. They are making dozens of calls to me.

I explained the situation to them, they are not ina mood to understand or hear u. They say that it is our responsibility to see that the ECS gets cashed. Atually it i not my problem, the cash is lying in the account It the inability of HDFC to encash Tru ES, moreover they are blaing us.

If so, whydo they tae ECS, then what is their role.
I think they have to gather information from RBI or OBC for the rejection of ECS. They want to put all the blames n the customer.


jana

I am an existing customer of the HDFC Bank, and my salary is credited in the same account. I had applied for a personal loan in January 2008, and they never followed up after collecting the papers. Everyday I would give them a call to confirm the status, and they would only say that it is being processed and the amount will be in my account within 7 days. Around January-end, they changed their response and said my file is rejected because my previous employment proof was rejected and declared as fake. I submitted the original documents to them for verification and validation, which are till date with them, and no calls from them.

They never gave me the file number, and said it is rejected. I called customer care, and they gave me the file number and arranged a call back. The representative who called me today was from Naraina branch (New Delhi) and said they cannot process the file because my file was originally submitted my Noida branch (Sector-62), and said I cannot apply for another loan for next 6 months...

What is it? Are these guys just making a fool of us or what? Who should we address such issues to? What was my fault in this whole scene? Of course I am in great need of money, and that is why I applied for this loan. Are these guys just playing with our emotions and need, or simply, with us? I wanted to escalate the issue to the higher authorities of the HDFC bank, but then... there are no contact details available, not even with the call center people... Is this what they call "Customer Service"?