HDFC Bank Complaints & Reviews

yes iam also one of the person applied for personal loan and i produced all papers which they demanded ( my id proof,address proof,last 6 month bank statement,pan card xerox,my appointment order, increment letter). after 3 weeks they rejected my application due to location of residence.( since my residence is showing NEGATIVE AREA in HDFC bank system).

They are the cheating guys who wasted all my times.

how can that justify my residence of location as negative area.

So dont believe the HDFC bankers they are the cheaters and they will waste our golden times.

HDFC Personal Loan — No credit & unjustified auto debit

I am jasline from kolkata i am salaried in hdfc website showing the eligibity up to 7000 month.But i will enqure local hdfc bank they told 10000 is elgiblity they are cheating had give his website wrong imformation.dont give like this i am upset for that.

jasline
[protected]

HDFC bank is one of the worst bank for personal loans, the bank executive I dealt is cheat and told lies about rate of interest and processing fee. I astonished after receiving the letter from the bank showing double of interest and high fee.
becareful when you are looking for loan from the banks

My saving account in in Alibaug Branch. my gross Salary Rs.9000 & net salary Rs. 7600
as per your eligibility criteria i am eligible for personal loan
so why can't give me loan in your HDFC Alibaug branch.
my document are clear. when went in this branch for personal loan they would tell me your net payment required - Rs. 10, 000

please suggest me & try for me
sorry for trouble

Dear sir,
I am a costomer of home loan Acc no[protected]. I registered in bank statement through internet as id 51755, but i try to check my amount i am unable to retrive the existing home account, no page at all. please help me send e-mail how to check my account also sent e mail to my amount datails every month is very usefull.

Thankyou,

Yours
T.Ramakrishnan

sir
My loan account no is[protected]file no is[protected].I am not in receipt of the balance amount to be still paid statement from the bank despite my written request. As per my calculation and the paper that I had received at the time of my loan sanstion my payment of EMI will cease in Jan 20010.Can I get written confirmation it as I had taken loan from Delhi HDFC bank while in service.Now settle somewhere in northeast. I am depositing EMI regularly at the local HDFC bank. I hope my EMI are being adjusted.Please reply thrrough email. Thanks.

Personal Loan — how to get personal loan

dear sir
i am working as a project asistant under DRDO project in nit kurukshetra.
this project is of three year. iam getting 12000+HRA/- per month in scholarship.
i went to my college sbi branch for personal loan of 100000/-.
but they reject to give me any loan. sir, i need the money very urgently for my sister marriage.
i can pay the bigger installments too.
plz help me to get any loan.
i need it very badly
thank u

HDFC personal loan executives cheat customers by telling wrong rate of intrest, initially they tell less afterwards they increases the intrest rate..

(7 DAYS EYE WASHERS)
Sir,

I applied for a personal loan in HDFC bank in Chennai branch and submitted all the documents required to them through an executive in HDFC bank.When i gave all the documents i was said that within 7days my loan ll be approved and the money ll be credited and i am happy enough.
As i believed them firmly i waited for a week and then called the executive, he said me that today verification will be over but i was said the same answer for three consecutive days.And when i inquired a senior manager about the status i was damn shocked since he said me that only when the credit section says ok the loan ll be approved.
I thought my loan was confirmed and made some arrangements but still i dint get it approved and as its too late i couldn't move to another bank so i am arranging the money through my friends.
So friends pls be aware of those fraud eye washers and do arrangements only after getting credited the money they may turn aside at anytime.
Only God can save all our section of loan seekers

Dear Sir,


I am Sarfraj Pathan Holding Saving Account with SATARA Branch my account no is [protected] and my Customer ID is 21927632 .The issue is on 8th of Sept 2009 HDFC personal Loan dept( Personal Loan Account No[protected] has recovered Rs.5533 from my savings account and that is also without informing to me .I have not given any Standing Instructions to them.I[censored] will go through my past record you people will find that i have paid all the EMIs regularly . I am sorry to say But still your personal loan dept is behaving like" Gaon ki Sahukari" . i[censored] r personal loan dept will not release my Fund i will put this matter infront of Consumer Court.

I request you to please give me a Brief explanation on this.



Thank you,

Sarfraj Pathan
[protected].

Hi,

I applied for a personal loan and the execs at HDFC are thouroughly unprofessional. I have my salary account in the bank since past 8 years and I also have an auto loan running from last three years. i applied for Personal loan a fortnight ago and was promised that the amount would be disbursed by 25th. Today is 30th and nobody is attending my call. My loan was to be processed by Ankit Grover [protected]. His team leader Vicky does not believe in pickin up the phone [protected]. The Sales Manager Amit is again too busy to answer my call [protected].

Its really disgusting to deal with people like this. Even I work for Service industry and would go out of the way to extend all help to my customers. I request an answer for the same. Please do not advertise falsely on your website... its all farce.. Had I known this, I wouldn't have dealt with you guys. I am really frustrated and demand an answer for your negligence and inconsiderate behavior.

Dr. Nalini Sharan
[protected]

It is disgusting the way the HDFC loan executives behave once they have earned their commission. This girl called Nasreen [protected] / landline number[protected] was all honey and sweet while she was chasing us to take a loan and now that is it done she has refused to take my calls.

Also the public must know that even very big amount cheques are sent through ordinary post!!! We got our envelope with the cheque from our security guard!!

Pathetic i must say.

I do not know if anyone from HDFC bothers to read the complaints, if they do I will request someone senior to call me regarding the complaints on my number mentioned below.

Niladrri
+91-[protected]

HDFC Personal Loan — Fraud system

Executive has collected required document . He never turn up when cross checked was informed to me that the case been log in and will take working 3 days to know the status no one was turned up no call nothing finally when it was checked Senior Manager named NIKHIL & Executive SURESH from andheri branch told me the file has misplaced and he cannot find it which was almost 24 days to revert.
Give me an written explanation for the same else will forward case to consumer court.

I applied a personal loan from HDFC Mumbai bank and submitted all my documents to them. They said they would sanction the loan in 7 days time. But I waited for almost one month and there was not any reply. When I contacted them they informed me saying that Charkop, Sector-8, Kandivali(W) Mumbai -400067 comes under negative area.To my knowledge Charkop Sector - 8 is not in negative are.My ref number for the loan is 17788322. Kindly look into this matter.

I APPLIED FOR THE PERSONAL LOAN 7 MONTH BEFORE ALL MY EMI TILL TODAY IS CLEAR NOW I WANT TO TOP UP MY LOAN I HAVE SUMMETED ALL MY DOCUMENT TO THE EXECUTIVE OF HDFC BANK ALL MY VERIFICATION IS BEEN DONE AS FOR THE PERMANENT ADDRES AND FOR MY COMPANY RESIDENCE ALL MY FI IS ALSO POSITIVE BUT NOW I CAME TO KNOW THAT I CANT TOP UP MY LOAN AMOUNT TILL 1 YEARS WHAT IS THIS ?????

I M GOING TO FILE COMPLENT IN CONSUMER COURT WHY HDFC IS HARRESING ME AND WASTED MY TIME AND MY DOCUMENTS

I am Mr Dipankar Mridha my personal loan account no 14858911, loan amount is Rs 109000/-dated 7.6.2009.I already gave 23 nos of instalment (Rs 3886/-) up to April 2011.I want to access my loan account.How I will do all this and please send me statement of my loan account to my email id every month. My email id is [protected]@gmail.com
I am awaiting for your reply.
Regards
Dipankar Mridha
[protected]

I am P.Jai Ganesh from Tirupati.Working in private MNC getting 14075 per month.I applied for Rs.1, 00, 000 in HDFC Tirupati branch near Annamaya circle.Executive name.Mr.Sunil([protected]).I provided all my documents what he asked & it was summited.Waited for 1 month.No phone calls.(I think he was working for commision purpose).Make a call.No proper response.Visit the branch, no proper reply.Make a compliant through customer care.(thier reply:Within 2 days our customer will call).After a long period.

Executive Reply to me:-No proper documents provided by you.Your loan application was cancelled.What a worst reply from executive.I sumitted the required documents..I am not blaming HDFC bank.Very very Poor performance from Executive.Not working for customers.Working for commision.

I APPLIED A PERSONAL LOAN BEFORE 9 MONTHS, BUT IT WAS CANCELLED DUE TO ADRESS PROBLEM.LAST MONTH I TALK WITH BANK THEN I APPLIED THE LOAN.AFTER 2 WEEKS IT WAS CANCELLED.SO I WANT TO KNOW WHY IT WAS CANCELLED .MY REF.NO 22176127.




PABITRA MOHAN PRADHAN
[protected]

i am also appiled personal loan in coimbatore. Home verification is positive and phone verfication also positive.i have submtt all the papers everything is ok but last minute they reject the loan due to low salary my take home salary is 9000 per month .they wasted my time .hdfc bank is worst bank .

Hi I am sonali ..I took personal loan from HDFC bank in 2010.. it is approved on time and fund is credited too. But i didnt get any document from HDFC bank i mean document which can show that my loan number or loan details.. I am not able to track my loan repayment or any loan related details

Myself K.Vijaya Balaji director of Axe solutions as I am running my Company Current Account and Staffs salary account in your branch for the past 2 and half years still we did not get any personal loan approval from your side. We do have a preapproved loan eligibility of around 2 Lakhs for 4 to 5 employees but we did not get approval to avail our loan. Our Bank account details are given below,
Current Account: - Account No: [protected]
Staffs Salary Account No: [protected], [protected], [protected],[protected], [protected]
Kindly check with our details and approve for our personal loan request.

Yours Truly,

K.Vijaya Balaji

Bait and Switch by HDFC Staff

I had applied for a personal loan of Two lakh rupees with HDFC, it was approved with ease.
The HDFC Bank representative, Mr Umesh Sahu, branxh Mehrauli New Delhi who was helping me with the procedure insisted that I apply for a personal loan of Five Lakhs, which I humbly refused.
He kept insisting that I can use the loan amount to earn interest by investing it further in HDFC mutual funds, fixed deposits etc.
I had categorically told him that my need is of two Lakhs only and any amount above that will be a liability I am not willing to sign up for.

We agreed to the amount of two Lakhs. It was agreed once I furnish all documents I will get the requested amount of Two Lakhs after deduction of the processing fee, I agreed to that.

On 12 August 2015, I received a SMS informing me that an amount of 5 lakhs minus processing fee has been credited to my account in the evening, outside of bank office hours.
Instead of getting the requested amount of 2 Lakhs, I received disbursement of Five lakh rupees.

This amount is huge for a person of humble means.

I was shocked, dismayed and angered by this as I had not agreed for this large a amount.
The very next day, I confronted Mr Sahu about the situation, he again insisted I invest all the excess amount received in other HDFC products.

I brought the issue to the Branch Manager's notice too the same day. Instead of guiding me about the procedure to cancel, Mr A. Govil, the Branch Manager at HDFC branch Mehrauli, too tried to persuade me to keep the amount and he further advised me to invest that amount in HDFC products. He even mocked me with derision for not accepting what was being given.

I understood one thing that day that's this is how HDFC or any other bank try to bind their customers by their Bait and Switch tactics.

I returned home without a solution to my problem that day.
After much thought, I decided to contact the HDFC phone banking for assistance as I was troubled with the thought of an impending liability for the years to come, I had to get the issue resolved.
The first agent I spoke with guided me as to how One can cancel the personal loan. She was quite helpful.
After being enlightened by her, I approached Mr. Sahu again regarding the cancellation of the personal loan that day his attitude changed he directed me to contact the Personal Loan Office at Green Park for cancellation.

When I requested a copy of my personal loan application he said that I cannot get it because it in the Bank's possession now. I found that reply very weird.

On August 17, 2015 I spoke with Manish Suri, customer service agent at HDFC Loan Office, Green Park regarding the issue. He advised that I can place a consumer complaint with them which will be actioned within 3-4 business days. He assured that my complaint will be taken on a serious note and that Customer complaints are actioned with sincerity.

With least faith in the consumer complaint procedures, I wrote and submitted my letter of complaint that day requesting for a waiver of excess charges owing to the wrong I had experienced.

I called HDFC customer service after 3 business days to check on the status of my complaint and to know why the Loan account has not been cancelled yet. The second agent was rude and she asked me to wait for 7 business days from the date of complaint, as it was still pending.

I called HDFC customer care third time on 7th business day, this time I spoke with agent Zyed, who informed me that I need to contact Mr Pradeep Singh at [protected] regarding the issue, who is the concerned contact point.

Next what followed was a Classic reply from Mr Pradeep Singh, who posed himself as the Sales Manager of HDFC Mehrauli branch- "You signed for the loan didn't you".

A curt slap to me for not taking the final copy of my signed personal loan application the day I signed it.

After much babble, he promised me a call back which I somehow knew will never happen. And obviously he did not call back.

Learning the fact that I was cheated by the sales tactics of the HDFC staff with utter dismay, I decided to cancel the Loan bearing all the excess charges which was unrightedly charged.
I not only had to pay the processing fee, I ended up paying the interest rate for the entire period during which the " CONSUMER COMPLAINT" was being tossed around by the bank ( that's 7 days of extra interest rate).
Thanks to Mr Manish Suri, HDFC added a dew of earning in their pockets. While I was getting fooled in believing that my complaint might actually make a difference, I guess someone else had a final laugh somewhere.

I had requested an immediate cancellation on 17th August 2015, since the complaint was "BEING REVIEWED" they did not cancel the loan. And, since the amount was in my account I was held liable for paying the interest rate obviously.

I have been a customer with HDFC Bank for well over a year. I was happy with the online banking experience, the intervention of human beings at a personal level ruined it.

I will not recommend HDFC products to anyone owing to the Bait and Switch practise I experienced with them.
I will advise other consumers who are considering to buy HDFC products at your Own risk.
Consider other options in the market.

Disappointed Customer
Smita K.

Bait and Switch by HDFC Staff

I had applied for a personal loan of Two lakh rupees with HDFC, it was approved with ease.
The HDFC Bank representative, Mr Umesh Sahu, Mehrauli, Mew Delhi, who was helping me with the procedure insisted that I apply for a personal loan of Five Lakhs, which I humbly refused.
He kept insisting that I can use the loan amount to earn interest by investing it further in HDFC mutual funds, fixed deposits etc.
I had categorically told him that my need is of two Lakhs only and any amount above that will be a liability I am not willing to sign up for.

We agreed to the amount of two Lakhs. It was agreed once I furnish all documents I will get the requested amount of Two Lakhs after deduction of the processing fee, I agreed to that.

On 12 August 2015, I received a SMS informing me that an amount of 5 lakhs minus processing fee has been credited to my account in the evening, outside of bank office hours.
Instead of getting the requested amount of 2 Lakhs, I received disbursement of Five lakh rupees.

This amount is huge for a person of humble means.

I was shocked, dismayed and angered by this as I had not agreed for this large a amount.
The very next day, I confronted Mr Sahu about the situation, he again insisted I invest all the excess amount received in other HDFC products.

I brought the issue to the Branch Manager's notice too the same day. Instead of guiding me about the procedure to cancel, Mr A. Govil, the Branch Manager at HDFC branch Mehrauli, too tried to persuade me to keep the amount and he further advised me to invest that amount in HDFC products. He even mocked me with derision for not accepting what was being given.

I understood one thing that day that's this is how HDFC or any other bank try to bind their customers by their Bait and Switch tactics.

I returned home without a solution to my problem that day.
After much thought, I decided to contact the HDFC phone banking for assistance as I was troubled with the thought of an impending liability for the years to come, I had to get the issue resolved.
The first agent I spoke with guided me as to how One can cancel the personal loan. She was quite helpful.
After being enlightened by her, I approached Mr. Sahu again regarding the cancellation of the personal loan that day his attitude changed he directed me to contact the Personal Loan Office at Green Park for cancellation.

When I requested a copy of my personal loan application he said that I cannot get it because it in the Bank's possession now. I found that reply very weird.

On August 17, 2015 I spoke with Manish Suri, customer service agent at HDFC Loan Office, Green Park regarding the issue. He advised that I can place a consumer complaint with them which will be actioned within 3-4 business days. He assured that my complaint will be taken on a serious note and that Customer complaints are actioned with sincerity.

With least faith in the consumer complaint procedures, I wrote and submitted my letter of complaint that day requesting for a waiver of excess charges owing to the wrong I had experienced.

I called HDFC customer service after 3 business days to check on the status of my complaint and to know why the Loan account has not been cancelled yet. The second agent was rude and she asked me to wait for 7 business days from the date of complaint, as it was still pending.

I called HDFC customer care third time on 7th business day, this time I spoke with agent Zyed, who informed me that I need to contact Mr Pradeep Singh at 931287
4092 regarding the issue, who is the concerned contact point.

Next what followed was a Classic reply from Mr Pradeep Singh, who posed himself as the Sales Manager of HDFC Mehrauli branch- "You signed for the loan didn't you".

A curt slap to me for not taking the final copy of my signed personal loan application the day I signed it.

After much babble, he promised me a call back which I somehow knew will never happen. And obviously he did not call back.

Learning the fact that I was cheated by the sales tactics of the HDFC staff with utter dismay, I decided to cancel the Loan bearing all the excess charges which was unrightedly charged.
I not only had to pay the processing fee, I ended up paying the interest rate for the entire period during which the " CONSUMER COMPLAINT" was being tossed around by the bank ( that's 7 days of extra interest rate).
Thanks to Mr Suri, HDFC added a dew of earning in their pockets. While I was getting fooled in believing that my complaint might actually make a difference, I guess someone else had a final laugh somewhere.

I had requested an immediate cancellation on 17th August 2015, since the complaint was "BEING REVIEWED" they did not cancel the loan. And, since the amount was in my account I was held liable for paying the interest rate obviously.

I have been a customer with HDFC Bank for well over a year. I was happy with the online banking experience, the intervention of human beings at a personal level ruined it.

I will not recommend HDFC products to anyone owing to the Bait and Switch practise I experienced with them.
I will advise other consumers who are considering to buy HDFC products at your Own risk.
Consider other options in the market.

Disappointed Customer
Smita K.
Does it even matter here if any consumer complaints.

service very slow cash counter sab log phone. me buzy rahte hai koi customer ki. nahi sunta line me. khada rahna padta hai above 1 hour mahaveer jain modi vijayawada

service very slow cash counter sab log phone. me buzy rahte hai koi customer ki. nahi sunta line me. khada rahna padta hai above 1 hour mahaveer jain modi vijayawada

Manager

Service very 3rd class all staf[censored]se any time whtsapp fb.. manager bhi kuch nahi. bolte only 1counter open aur public full paresan 3counter hone ke. bad bhi aur manager very rare bathe karte so plz take action immdtly

Dear sir I am government employee I need hdfc personal loan I will not pay last month emi your manager Mr.Alvin Vijay from Chidambaram hdfc bank talking bad word I am susaidu

Just wanted to my loan status here because your phone customer service is awesome!
Application No is 93514450.

I had made several trasactions with Visa silver card up to now, but now after click on the payment their didn't show our hdfc cradit card. how to us my hdfc credit card for railway ticket booking

I want to bring the Complaint in to your notice for the justification in the matter, which I am going to disclose,as follows: I am the bearer of Credit Card, issued by HDFC BANK in the month of OCT-05, Bearing No: [protected] and it was valid thru. 10/05 to 10/08, credit limit was Rs.18000/-

I have to submit that, from the date of issue, I did not get the Expenses Statement till to day. I had given so many reminders for the Expense Statements, but nothing could be done in my favor in this regard. Rather collection agents started to collect the minimum amount due,by cash(I have got all the payment receipts with me) & many time I deposited cash at their branch at Aliganj, Lucknow.

I was not aware that how much amount I was to deposit & on which date. During the above period,I Deposited Rs.22,960-00 (partly). Secondly the above Card was blocked by the bank from JUNE-06. Now they are demanding Rs.24,733-21 in addition to the above paid amount. They sent me a legal Notice to me from the advocate for the payment of this amount of Rs.24,733-21. I am very strange to see the demanded amount ( Paid Amount: Rs.22960-00 + Demanded Amount: Rs.[protected] and total amount becomes Rs.47,693-21 (If added together).

I am really upset to see the figure they have mentioned. I don’t know their method of calculation and it is purely unjustified act. They never talk to the customer personally(at their Bank/Office) rather they prefer to talk to the customer on Phone only. I went to there main branch in Lucknow which is near the Vidhan Sabha Building, but every body refused to talk personally and gave me a phone number[protected] and asked me to talk on phone only and settle the matter on phone and told me that we are here to collect the money only.

How can we show the RECEIPTS & PAPERS on phone. Who ever the lady was there on the Phone told me that your case has been transferred to Recovery Department & gave a number to contact the recovery people and the number is 3252339. I checked it from them and did not get any exect figure of amount,which was to pay. The phone operator asked me to pay the asked amount.

At last, I decided to write the matter to you to look in to the matter seriously and to get it settled from the jaws of Credit Card people. I am really fade-up of this matter, and hoping some favorable co-operation from your efforts and proper action to be taken in this regard.

HDFC Bank Ltd. is the worst bank in this universe.
They are doing a legal business Theft & Robery.
I dont know on what basis RBI is allowing to conduct their business in India?

They did it with me as well...

COMPLAINENT AGAINST HDFC BANK CREDIT CARD AMOUNT Saturday, June 28, 2008 1:41 AM
FROM: "Prafulnath Purohit" <[protected]@yahoo.com>
SENT TO: [protected]@moneycontrol.com
Respected Sir,
mera naam arvind nath purohit hai or maine hdfc bank se silver credit card liya tha jis mai mujhe 15, 000=00 rs ki limit dee gayee thi jisko ki maine loan ke liye kaam mai liya or mujhe ye loan 24 month mai jama karna tha. meri 900 pm instalment huee jo ki mai lagatar jama karwa raha tha ho sakta hai ki 1ya 2 month mai jama nahi karwa paya is ke baad inhone kabhi 1800 rs to kabhi 2900 rs kabhi 3909 rs is tarah ki instalment ke letter bhejne start kar diye or ki bhi help line wale se baat karo to bolte hai ki late fee 500 rs hai cheq bounce hua hai uske 500 rs hai or ye rs ham aapke account mai se recover kar lete hai or cheq bounce bata kar per month 2600 se kam ki instalment ka letter nahi de rahe hai jab ham puchchte hai ki itni rs ki instalment kaise ho gayee to court ki dhamki dete hai mera bhai jisko poliyo hai usne bhi is se credit card se loan liya tha usne bhi ek baar 2000 or ek baar direct 6000 fir ek baar 750 rs ek baar 900 ka payment kiya hai uska abhi due balance 15000+1892 rs due bata rakha hai to aakhir ye itna rupee gaye kaha aisa konsa loan hota hai jis mai 15000 to balance hi rahe or baki sab rs interest mai cut kar liye jaye mai aapko ham dono bhaiyo ke credit card no. bhej raha hoo please aap is matter ko solve kare nahi to ham dono ko bahut loss ho raha hai. ab ye pata lag gaya hai ki is bank ka itna profit kaise bad raha hai.

Arvind nath purohit credit card no.[protected] ye silver card hai.

Praful nath purohit credit card no.[protected] ye bhi silver card hai.



dono card par[protected] ka loan liya gaya hai.



Regards

Arvind nath purohit

Praful nath purohit

mobile-[protected], [protected]

109, aravali apptt near ajanta hotel

Ratlam
ye complaint mai reserve bank ke governer general ko bhi bhej raha hoo.

To: [protected]@moneycontrol.com Cc: customerservices.[protected]@hdfcbank.com
Respected sir,

mera naam arvind nath purohit hai or maine hdfc bank se silver credit card liya tha jis mai mujhe 15, 000=00 rs ki limit dee gayee thi jisko ki maine loan ke liye kaam mai liya or mujhe ye loan 24 month mai jama karna tha. meri 900 pm instalment huee jo ki mai lagatar jama karwa raha tha ho sakta hai ki 1ya 2 month mai jama nahi karwa paya is ke baad inhone kabhi 1800 rs to kabhi 2900 rs kabhi 3909 rs is tarah ki instalment ke letter bhejne start kar diye or ki bhi help line wale se baat karo to bolte hai ki late fee 500 rs hai cheq bounce hua hai uske 500 rs hai or ye rs ham aapke account mai se recover kar lete hai or cheq bounce bata kar per month 2600 se kam ki instalment ka letter nahi de rahe hai jab ham puchchte hai ki itni rs ki instalment kaise ho gayee to court ki dhamki dete hai mera bhai jisko poliyo hai usne bhi is se credit card se loan liya tha usne bhi ek baar 2000 or ek baar direct 6000 fir ek baar 750 rs ek baar 900 ka payment kiya hai uska abhi due balance 15000+1892 rs due bata rakha hai to aakhir ye itna rupee gaye kaha aisa konsa loan hota hai jis mai 15000 to balance hi rahe or baki sab rs interest mai cut kar liye jaye mai aapko ham dono bhaiyo ke credit card no. bhej raha hoo please aap is matter ko solve kare nahi to ham dono ko bahut loss ho raha hai. ab ye pata lag gaya hai ki is bank ka itna profit kaise bad raha hai.

Arvind nath purohit credit card no.[protected] ye silver card hai.

Praful nath purohit credit card no.[protected] ye bhi silver card hai.



dono card par[protected] ka loan liya gaya hai.



Regards

Arvind nath purohit

Praful nath purohit

mobile-[protected], [protected]

109, aravali apptt near ajanta hotel

Ratlam

Officer – Debt Management,
HDFC Bank Cards Division,
Ceebros Building, No. 110 Nelson Manickam road,
Aminjikarai, Chennai – 600 029


Ref: HDFC Bank International Silver Card no. [protected]

Dear Sir,

I am in receipt of your notice/letter dtd. 18-07-08, received on 30-07-08.

I am surprised to receive a notice, whereby I have made the one time settlement payment of rs. 35, 000/- on 18-7-08 vide cheque no. 444940 issued from ICICI Bank, Baroda. The same got cleared from my account on the 21st July’08.

Pease note that on regular persuasion with HDFC Bank’s collection personnel, Mr. Piyush (Cel no.: [protected] & (0)[protected]) as representative of Mr. Sudip Roy ( HDFC Employee no. S-4386), handed over the receipt no. S 0219140 on 8th August 08. Besides, he asked Rs. 2, 000/- in cash over and above the cheque as part of settlement of Card due if required, whose witness are my Office staff.

I attach herewith the Payment Receipt. Kindly issue,
1. “NO DUES” certificate immediately,
2. Along with the Cash Rs. 2, 000/-.

To my knowledge, HDFC Bank does not have or hire musclemen brokers/agents for settlement of dues. And if so, please provide me the proof of such Agency. This is a mental harrasment to the customer till the time one pays and thereafter, also.

Yours truly,
Manish R Sharma

HDFC- Credit Card — direct debit from my account and refusal to give statements

i opened a fresh HDFC savings account in Nainital in May 2008.
there have been transactions happening in this account for 8 months but In Feb 2009 all the money in my account vanished.
HDFC Nainital Branch had no clue of anything that was happenning in my account untill i brought it to their notice... for one week i was calling every department possible to find out where my money had disappeared.

HDFC had "stolen" all my money from my account without my consent and without informing me.
saying that i owed them for a credit card which i had a few years ago.

HDFC collection department is calling me throughout the day asking me to settle the account.
they have absolutely no co-ordination and every 10 minutes someone new is calling me and i have to narrate the entire case to them all over again.

i am being told that i owed them an amount of Rs. 22, 991 4-5 years back which has turned into 35844.72 in time.
Out of this amount they have already stolen 12, 853 from my account directly without my knowledge.
now i am being told that they will settle the debt at an additional Rs.10, 000 with me.

earlier, i was paying their collection guy every month when i had the credit card.
In between, Their collection guy stopped coming to collect the payment.
i called up the bank to inform them but nobody ever came to collect the payment.
it has been 4 years now and i too had forgotten about it in time.

I have told HDFC collection department very clearly that i would like to settle the account as soon as possble.
however i will be requiriing the statements to verify how much i have already paid them and how much i owe them.

At first HDFC representative kept lying to me that they have no record of any transactions with them and so thay cannot give me any statements.All they have was an "X" Amount of money against my name flashing on their system.
For two weeks they kept telling me the same thing.
One day i told them that i will seek legal aid for this matter and i will not pay a penny without the statements.
Within the next half an hour i received a call again from them telling me about the transactions that were made on the card.
when i questioned why i was earlier being lied to for the statements, i got an answer that "i'm trying to help you out so please."

i asked the HDFC reprasentative to kindly forward me the details either by email or by post but she refused.
it has been 2 months now and i am still asking them for my statements.
now i am being told that i am only wasting time by asking for the statements since i will not be getting them but the interest is only rising on the amount i owe the bank.

They are completely refusing to give me the statements.

Someone from HDFC called me and told me that they can provide me with the statements and after a while i am told by a different person from HDFC that the statements cannot be given.


i need help in this regard and need to know

1) is it legally alright for me to pay when the bank is refusing to give me my statements.

2) can i take legal action against the bank for breach of trust- withdrawing all my money from my account without my knowledge.

i had furnished all my details including my new phone no. when i opened the account, then why was i not informed by the bank about my account being put on hold.
for 8 months there was transaction happenning in this acount without any problems.
when my last deposit dissapeared and i asked the Nainital branch people, they said they had no idea of any such thing happening.

i was tottaly harrassed because i had to call up department to department to try and find out where my money went.
when i called up the collection department they lied to me and told me that i had asked for auto pay in my account.- my question is that if i had asked for auto pay while opening the account then how come there was money lying in my account for 8 months untouched.

when they linked my old credit card with my new account, then they automatically also had all my new contact details.
they didnt take a moment to steal my money from my account
but when i asked thm why no one from the bank got in touch with me inspite of having all my new details, at first HDFC told me that they are contacting me on the old details.

Does this bank have working for them? that they dont have simple common sense?

if you are holding the money from my new account then you get in touch with me one the new details. how difficult is that?

when i told them that the bank has made a criminal offence by stealing from my account and not even informing me, i was told that the bank didnt inform me so that i wouldnt get alerted and withdraw my savings from my account.
it just goes to prove that HDFC did everything with all intentions to cheat me.

HDFC has been lying to me from the very onset of this credit card story.
i dont believe a single word that they tell me.
i am not sure that even after i settle the dues that my account will be untouched.
they may tell me that all accounts have beeen settled and do the same thing all over again.

After all they are a bunch of liars and cheats and i have no reason to believe them.

should i pay anything to HDFC without statements.
even i if do decide to pay without the statements i will also be needing an NOC stating the amount that the bank is settling the account at and that i do not owe them anything beyond that.
i need an explaination about how and why HDFC withdrew money from my account without my consent and why i was not informed about any of this when HDFC had all my details with them.

please help.
thank you

Anisha Khanna

Sir, I am card holder under credit card no [protected] and I had closed my previous loan by depositing Rs 19900/- on 4-11-09 but the loan was not closed and on enquiry it was told me that no request for the closure has been forwarded while I said that I had depositted the amout by enquiry from your office on phone which was coming to Rs 19897/- by 3-11-09 at this I have depositted and if the request has not forwarded by your officials that is not my fault and a SMS on my mobile no [protected] has been sent on 10-12-09 as due amount is Rs 3926.04 while there is no previous due except the amount between[protected] as per my new loan for Rs 32000/- and on contact on phone the Lucknow office told his enability to solve my problem as such the same is being to you with request to correct my bill and not to charge the extra money which is not due upon me .The said massage has disturbed me very much mently and also socked to know the incorrect dues for which I am not liable, I can not be harrashed for the latches on your emplyees and in case my account is not corrected forthwith and I am compelled to pay amount which is not due upon me then I will take legal action against your bank and liable persons civil./criminal, including lodging FIR, on your costs and expenses.It is also important to write that there was no occassion to deposite the amount of Rs 19900/- on 4-11-09 in advance while there was only due of Rs 19897/- on that day including all closure expenses which was told by your officials.Yours's Sanjay Kumar Dixit Advocate High Court Lucknow.

HDFC Credit Card — REFUSAL OF SETTLEMENT

Company is refusing to settle my credit card dues and harassing me and on phone despite of I already

paid much of the principal amount after recg their demand note monthly & now I am unable to pay this &

would like to settle in intrest free EMI' s deducting already paid amount.

need your intervention on this.

Regards,

Tarun Juneja

This is Lijesh from Kerala, i got your letter reagarding HDFC crdit card due payment(HDLJ:1096/14910), my card number is [protected], date of issue-18/09/2008, i didn't tried to cheat the bank. when I got the credit card i made the pymt within due date, Bank can check my status also, but last dec 08 i cameback to cochin for searching a job.Jan08 also i made one payment, after that my job was lost(kerala-JRG SECURITIES-TELECALLER), after that i couldn't make the pymt.may month my sister marriage was done. i met alot of money problem, now i am working for Rs4500/- salalary in a NON VOICE BPO, that is the problem, i never cheat the bank. April-10 onwards i will make the pymt made through emi .Monthly i request you kindly allow me to pay through emi mode.So please try to adjust the amount.because i am willing to pay.



Your's faithfully
Lijesh.kp

Dated: 03.10.2010



Sub: Complaint Against HDFC Bank Credit Card Division

Reference : HDFC CREDIT CARD NO: [protected].



Dear Sir,


I regret to inform you and for your kind notice that I was holding and HDFC Bank Credit Card vide no: [protected]. In that card, my credit limit was Rs.2, 38, 000/- and after that Bank has revised and reduced the Credit Limit from Rs.2, 38, 000/- to Rs.1, 77, 000/-. I have used my Credit Limit and I have already paid Rs.2, 77, 371/- against my Card as per their statement dated 17.03.2010. I had no outstanding against my Card. Only some Interest Charges were Lying in my Card.

On that basis, I have requested to Bank to settle and convert my some Interest dues amount sympathetically in to fresh simple EMI after reversing all the Late fees, Extra Interest Charges and the unnecessary fees charged by the Bank Intentionally. Due to my tremendous financial problem, I was not in position to submit my children’s school fees and house rent also which already I had discussed this matter frequently to their customer care executive over phone & at least 14 to 15th times and sent 14th to 15th frequent reminder letters also.

If you see the Receipts & Payments A/c of my Card, from beginning to end then you can easily observe that, I have made already over and excess payment against my used amount through card. If you see my accounts I have already paid the excess amount which the money I have used through Card. If the bank waive my unjustified Interest and Late fees, then nothing outstanding will be pending against my card. Which amount I have used against my Credit Card, Out of that, I have made excess payment against my used amount.

Being a preferred customer for long time, I have changed my address, phone no etc honestly. As a result of which, their Recovery agency/goons have started to hassle me mentally and also my wife, not only that, they also used abusive and very rough language over phone and came to my office and insulted me in the front of everybody with very abusive and slang language and told me to make the payment immediately, otherwise they will attack me and my family with their team and told me that, they will thrash me in the front of my society and also told me that they will abolish me from my job. I am a very simple Private Company’s employee and simple middle class family. That incident happened for last 5 to 6 months. After completion of their mental and physical harassments, HDFC Bank has sent the Legal court notice to my address. I am a very simple and middle class family member and a very simple employee of a private company. Bank continuously pressurized me to take the credit card.

Trying to claim huge amount intentionally from customer, that is the practice of HDFC bank .Please tell me, Is it a Reputed Bank ???

My Credit Limit was Rs.1, 77, 000/- and I have paid Rs.2, 77, 371/-. If my intention was bad then, why I will make the payment for Rs.2, 77, 371/-. Their Intention is how to raise the Interest amount and late fees unnecessary and pressurize to customer mentally. Trying to claim huge amount intentionally from customer, that is the practice of HDFC bank . Is it a Reputed Bank ???

Due the tremendous mental harassment to me and my family, My wife is not well and she also feels very insecurity. Please help me and my family from HDFC Bank’s Credit Card nuisance.

Thanks with Regards,

Manas Ray Chaudhury
Bhopal.

NB: Threatening Calls came from Phone no:[protected]. Mr. Manjit, Mr. Hitesh, and one Lady (Not told her name)

[protected]Mr. Sunil, Mr. Dubey [protected])

Sports Shoppee to customerservic.
show details Jan 22 (2 days ago)

HI,
very good morning, ,
This is Madhu Gupta, holding a current and saving account in your Bank, ,
i have a credit card no, , [protected]..
i swipe the card for ammount for rs . 25995
I did the payment much befor e the time, , i always do the payment much before the time
you can see my state ment of account..
now i receive a state ment that i ahve to pay 1877 ..
in tha bank mentions cridit limit 38000, , avaiable balance 36865, , where is balance 1135, is gone, ,
i never swipe the card any where.so why that ammount less..
when i have give the card they said it((Visa woman gold credit card, , ))
nothing will be charge extra if i do the payment in time, , so wat is this please let me know
now again i recive a state ment, where i paid money but they charge, ,
Fiance Charge retail 304 service tax 30, 42.cess tex >(! ps
i am not goin to pay a singal paisa as no due is why should i pay all these nonsences u r bank people came to me to take card and said no extra charge, i[censored] guys dont want that i go for any leagal action, tahn please revert this ammount and send me a copy,
its very bad to harras a senior citizen like this
reply me as soon as posible
Madhu GUpta

sir
my father has purchased a car on finance from cbp, panipat. four year back
and we have submitted all the amount. but we r not getting foreclosure and NOC.we have been tryimg for the last one month
with folded hand i request u to look into the matter please sir.
here r the details.
car owner name : Rajbir saroha
model : Alto 2004
finance from centurion bank of punjab, panipat

n MR. Virender (working in PNP branch is not cooperating with us)

sir i am afraid that they will deduct next emi from my account although i have paid whole. sir ply see into it its my last hope

Dear sir/madam

Sub: Credit card charges.

I have not received any statements for the first month. I visited your milestone office Nagpur 3 times but they told me that they are facing printer problem and hence were not able to deliver the statements. Lastly I asked the pending amount and pay by check immediately.

There after I received the statement in the month of November which stated that there was minimum due 240 Rs.
I was told that the Mini card issued to me was free but I have been charged with Rs 223 towards card fee. I request you to remove the charges levied or take back the card.

17/10/07 MINI CARDS FEE 223.60
For the month of Nov and Dec I have been charged with over limit fee of Rs 500 with out being intimidated about crossing of limit and other charges which I am listing below
30/11/07 SERVICE TAX - CURR CON FEE 14.82
11/12/07 LATE FEE 350.00
17/12/07 OVERLIMIT FEE 500.00
17/12/07 FINANCE CHARGES 969.19
17/12/07 SERVICE TAX : @ 12% 102.00
I request you to waive off the same as I was not aware that I had over used the card nor was I intimidated for the same. I would suggest that in future please intimidate well in advance about over limit use.

I would like to have the statement for the first month for purpose of verification and maintaining my records.

I had talked with customer care personnel Ms Bhavana about all these queries and she had promised me to solve the same after consulting with senior staff but till date I have not received any communication from your side.

Please do the needful to resolve above issues.

With regards
Dinesh

HDFC Bank — Not received HDFC Credit Card bill

I havn't received my credit card bill (HDFC) for last months, please send my credit card bill so that i can pay my bill in time
My mail id is [protected]@yahoo.com/[protected]@gmail.com

I have not recieved my credit card PIN number till now so kindly send my PIN number.My credit card number is-[protected].My Mb.number is +91-[protected], E-mail [protected]@gmail.com

can I check my credit card bill online.

I have not received the July-August 2008 statement. Also send Petrol Card for my personal use with limitations or any cash back offer etc.,
My Card Number:[protected]

Thanks & Regards,
P. Kavitha,
Managing Director,
Ankidyne,
No.35A Ist Main Road,
Venkataraman Nagar, Chtlapakkam,
Chennai - 600 064 (Tamil Nadu)

Current of Statement of Accounts for my Card No:
[protected]
I reuuest you Petrol Card also for my personal use

Regards,
P. Kavitha

Since last two months I did not receive the Credit Card Statement through local post. You are requested to send it on email immediately.
Thanks

Sudhir Hambarde

I agree .Because I am also in the same condition.I am not getting my credit card bills...

HDFC Credit Card — not recd of bill

Hi,

I haven't received my credit card bill for last 3 months. i recieved the text msg on my cellphone that my credit card bill is disatched.the msg is telling me that my bill is of Rs. 9311. which is very wrong as per my calulation. so plz tell how can i pay the amount before seeing my bill. It should be reached to me in time, so that i can pay my bill in time.
Please send my bill in time.

Thanks & Regards,

This is happening to me also. I have an mastercard through orchard bank and they were charging me late fees of 35 dollars for 3 months for charges 0.35 cents every month of Account secure Plus and never send me the bills for the 0.35 cents so they can charge me the late fee. Besides that they were not even supposed to charge me the 0.35 cent for secure plus since this my account was paid in full and I had a zero balance. They are supposed to chard .035 cent for every 100 dollars of balance that I have. Anyhow I got screwes in both ways, but I think I am going to complaint to business bureaou... They are probably doing this to millions of people.. so if you figure they do this to a 100 million people time 35 or 70 or 105 dollars depending on how long it take for the poor people to realized they have a balance in their account, they are stealing about 350 millions of dollars low key in 1 month for doing nothing. This companies should be regulated and people should be held responsible and put in jail They are stealing money and no one is doing anything about it.

Credit Card — bill not received

Still i am not receiving any bill.Now i am working in uae.My name is c.prabhakar.My card no is [protected].Plsend the bill through e-mail .I want to pay the full payment of your credit card

I havn't received my credit card bill (HDFC) for last month, please send my credit card bill so that i can pay my bill in time
My mail id is [protected]@chn.aithent.com/[protected]@gmail.com

Credit Card — bill not received

Dear sir,


I Laxmi chand choudhary is not geting my credit card bills from two month. I have complent three time's on your phone No. [protected] in jaipur but they ara not give me any complent No. They told your card No. is your complent. But my complent not solved. So I requesting you please send my bill timly.so I would make pay timly. My card No. is [protected].

Hii.. i had faced same kinda problem from my HSBC credit card, Delhi office... after sevral complains to their customer care they didn't sent me my account statements... and one day i searched the head office website of HSBC in London and sent my complain in detail mentioning the cheapest services of their bank in india... and within next day they from london replied me back and said sorry about the bad services and asked me to send my complain in writing on the name of Chairman HSBC at their london office and my letter reached to them within 10 days and after that guess what? The Head Office of HSBC called me and apologized for the problems i faced also they deducted the overcharges they made on my account which was Rs.2000+ and not just this they opened my net banking account and since thereafter i am getting my account statement at my address every month on time.. :)... so dear fight for ur right... just find out your bank head office emails or address and send ur complain directly to the name of Chairman...

Hope you will try and will see the results :)

Dharm from Delhi :)

I haven't received my credit card bill (hdfc) from the begining. pl, send all statement from opening date to today. My card no.[protected]. kindly treat as urgent.

dear credit card department of hdfe bank, i syed devjani from patna and avail the facility of gold credit card but i dont know why the limit of my credit card has not been enhanced for last 17/18 months though i have been paying the monthly instalment of my credit card very carefully and honestly.kindly reply me on my email address with concreate reasons.thanku!

Hi,

I haven't received my credit card bill for last 3 months and my card # is [protected]. I really do not accept the delay from your side. you should give always good service to the customer who pays bill on time.

Please send my bill in time.

Regards,
Hari

i am paying my dues properly in time only and your sending me penalitys why like that sir please sent bill properway to me from next on words.

I have not received statements for my credit card until date, Please change the courier services

I was promised that i would get my credit card statement for paying my dues today but have not recieved the same. Can corcerned person look into this complain and do the needful ASAP.

dR. sUNIL jOSHI

In last month i had not been recived hard copy of my credit card statement and pls send me the e-mail copy of previous month and try to send it reguraly for every month then i can pay money on time.
One more thing check my mailing address i think it is wrong, it should be like " Gajendra Kale, level 1, GLTi 1.0, HSBC Software Development (India) Private Limited
HSBC Center, Riverside, West Avenue, 25 B Kalyani Nagar Pune 411 006 INDIA"

You might be written wrong address please check and correct it.

Hope you solve all my issues as soon as possible.

My credit card account no. [protected] valid from May 2008. yet to receive the first statement from your side. Without this. Iam unable to know the amount. I will not pay if you people charge any additional amount. its your people's duty to send the statement early to the corresspondence addresss.
My mobile no. is [protected]. Do call me immediately.

regds.,
Balaji

My credit card no. [protected]. Please send me the latest statement of the previous mentioned card.

the Latest statement is required me on urgent basis.

Please send me the statement through courier or post or by E mail.

Please co operate for the same.

regards,

Kamlesh

dear sir/madam

my name is Ashish kumar, , my card no. [protected], Exp. date is 10/11, my D.O.B is 01-jan-1985, , i am shifting my place to another location this week so won't b able to get the hard copy of statement so i request u to please close it.

However i ve updated my email i.d with ur card division n getting e-statement regularly.
so i request you to please process my request as soon as possible to avoid any misuse.
i ll be very thankfull to you n your respective bank. my other details are as follows.


flat.no.B-205, bellatrix building
stargaze society, dhanori
pune-411016.

Contact no.[protected]
e-mail:[protected]@yahoo.co.in


Thank you
Ashish kumar

i am hdfc credit card bill for not recevied please sent my mail id
vasan.[protected]@gmail.com

i am hdfc credit card holder bill for not recived sent my mail id

Jaydeep.[protected]@bharti.in
[protected]@mail.com

Hi This is Ranjay Ku. Sharma & creadit card member of your organization. I have not received my bill. My payment dues date till on 27/08/2008.
Plz send my bill statement by E-mail.

Thanks
Ranjay Sharma
[protected]@yahoo.com
+91-[protected]
+91-[protected]

please send my credit card bill regularly by email

HDFC Credit Card Complaints - Credit Card Bill not received.
View all HDFC Credit Card complaints
HDFC Credit Card
Posted:[protected] by SOMNATH SARKAR Send email


Credit Card Bill not received.
Hi,

I haven't received my credit card bill for last 3 months.It should be reached to me in time, so that i can pay my bill in time.
Please send my bill in time.

Thanks & Regards,

I want my full Statement of one year

my card no is-[protected]

hi i am bookin the flight ticket credit link but not not transalance in credit card payment oppation

Even i am charged same way!!

Date Narration Cheque/Ref. No. Value Date Withdrawal Deposit Closing Balance
23 Jan 2008 3RD PARTY CASH TXN CHRG FOR 110108 [protected] 23 Jan 2008 100.00
23 Jan 2008 EDUCESS ON INTERBRN CHGS FOR 110108 [protected] 23 Jan 2008 0.36
23 Jan 2008 SER TAX ON INTERBRN CHGS FOR 110108 [protected] 23 Jan 2008 12.00


any clue??

Hi I have inquired with HDFC people, they have mentioned that

They will deduct Rs 100 + 10.30 SC for below 2 transactions.

1) For any cash deposit transaction up to 50000 in any HDFC branch which is far from your account branch.

2) And if we issue a barred cheque on self.

sir i have requersted for reissue my credit card but hdfc can not give me any response so piease contact me and re issue my credit card as soon as





karan pal
m.no. o[protected]

Hello,

I have applied for credit card after getting minimum of 5 calls a day from cutomer care.A guy by name Adarsh (Ph [protected]) has taken my signed docs and never responds on the call.
This is a lead of cutomer care called Bindu, when i asked how to follow up with this, she gave a telephone number which has no in comming facility[protected] and asked me to Emial a salary slip to a personal email ID because their server is down.
Please do look on this matter immediately and looking ahead for your early response.

Thank you,
Regards.
Sadath Afif

dear sir/madam

My name is Vinod Khanna and I am form Dharmshala(HP).
I have recived bajaj allianz insurance last week. I am not interested please cancel this policy.

My credit card no. is - [protected]

and my policy no. is - OG[protected]-00008242

excess payment has been made on my credit card no [protected] on 28 july. kindly give details of transantion

I have some transaction dispute of your transaction bill of my credit card on 06/09/07. I have paid my mobile bill Rs 1304.14 to Airtel on 06/09/07 which has reflected in my transaction bill date on 04/ Transaction no:0940840, but this amount (Rs 1304.14) was not debited in Airtel account. I have contacted Airtel customer care centre regarding this matter and they conformed that this amount was not debited in their account. I have enquired about matter from HDFC bank customer care centre and they asked me to lodge a dispute compliant. Kindly take this matter seriously and revert back the particular amount (Rs 1304.14) to my credit card. Please find the my card details below.
HDFC credit card no: [protected]

Regards
P.S.Rajinikanth,
201, Elite Enclave,
Sangeeth Nagar, Kukatpally,
HYD-72
Mobil:[protected]
E-mail: [protected]@rediffmail.com

Respected Sir/Mam

I had applied for a credit card though your bank , meanwhile you had send it to me also through Blue Dart Couriear, the AWB No. for my card is :-[protected]. It has not been deliverd to me, when i enquired about the same, i came to know that it has been returned to you due to the address unaccssesibility.
And when i called to your Customer Care, they told me that they will again send it to me through speedpost, which again is not delivered to me.
Kindly look at this issue and help me out.
Thank's....

dear sir,
myself kannan.c having hdfc bank credit card[MY CREDIT CARD NUMBER [protected]] from 2005,my address&mobile number are changed before a week.i unable to contact your bank by phone due to your bank ph# changed.i not yet recived any alternate # from your bank.so kindly update my new address&mobile number given below:
NEW ADDRESS: #13,G.MEENAKSHI SUNDRAM ST,THIRUNINDRA MALAI MAIN ROAD,NAGALKENI,CHENNAI-44[NEAR BY GST ROAD]
NEW MOBILE NUMBER: [protected]

TKS

REGARDS

KANNAN.C

MY CREDIT CARD NO.[protected]
YESTERDAY I RECEIVED A MESSAGE AT MY MOBILE NO.[protected] " THANK YOU FOR USING YOUR HDFC BANK CREDIT CARD FOR RS.15000/- IN @". YESTERDAY I MAILED TO http://www.hdfcbank.com AND I RECEIVED A MAIL TODAY THAT YOUR COMPLAIN IS BEING LOOKED INTO AND ALSO STATED THAT THIS IS A SYSTEM GENERATED MESSAGE. I DONT THINK THIS SERIOUS PROBLEM SHOULD HAVE BEEN HANDLED IN SUCH A CALLOUS MANNER. MOREOVER I WANT TO STATE THAT I HAVE NEVER MADE ANY TRANSATION OF RS.15000/-. LAST TRANSACTION I HAVE DONE IN CHENNAI FOR PURCHASE OF SOME GARMENTS (LUNGIS) FOR RS.660/- FROM SARVARAN.LASTLY I WANT TO TELL YOU THAT IF BILL FOR RS.15000/- IS DRAWN ON ME I SHALL NEVER PAY THE AMOUNT. MOREOVER I SHALL SIMPLY TEAR THE CARD AND SEND TO YOU OBVIOUSLY I WILL CLEAR THE BILL TO THE TUNE OF RS.660/-.
MY MOBILE NO.[protected], ADDRESS:37/1 PARK AVENUE, PO SANTOSHPUR, KOLKATA-700075
THANKS

Hi i have a credit card of HDFC bank.I have purchased sone goods of rs-6650 and i want to paid this amount in 6 month installemen i am requesting reagrding this matter for 25 days.but no body is giving me positive answer.Plz help me.I am very iritate.
My card No is-[protected]
Cont No is[protected]

I have taken HDFC homeloan in 2007.At that time the pre payment charges was 2% but now they have raised to 3% and it is aganist the loan terms .This incriment is to stop the take over because SBI and canara Banks offers 8.5% for take over and fresh home loan.If they cannot reduce the interest rate should not prevent the facility given by other Banks.

Join yahoo group with the name "hdfchomeloancustomers" to protest against HDFC for its unethical practices and harrassing its customers. We are already around 400 people in the group and talked to senior management of HDFC regarding our concern. Also one of the media house has decided to cover our story and highlight the problem faced by HDFC home loan customers because high interest rate and other problems with HDFC. Join the group and make the difference Also update your details in the database

Pal,

Do not settle for anything, verify lawyers credentials and do not worry read the full mail below and visit the sites I have given and share this knowledge - THIS IS CRUCIAL.

Good Luck

A CREDIT CARD VICTIM
[protected][protected][protected]--------
First visit www.bankingombudsman.rbi.org.in

file a case here;Bangalore
Shri. K.R.Ananda
C/o Reserve Bank of India
10/3/8, Nrupathunga Road
Bangalore-560 001
Tel.No.[protected],[protected]
Fax No.[protected]
email: [protected]@rbi.org.in
Karnataka

Mark a copy to : New Delhi
Shri H Kulshreshtha
Banking Ombudsman
Reserve Bank of India Building
2nd Floor, 6, Sansad marg
New Delhi - 110001
Tel No.[protected]/23710882/23725445
Fax No.[protected]
email: [protected]@rbi.org.in

Next go online and file a case online at


http://creditcardvictims.org/page/eng

http://en.wikipedia.org/wiki/Credit_card

http://www.bcsalliance.com/x_creditcardtricks1.html [ full info on credit cards ]

Tactics Credit Card Companies Use to Get You to Pay More

Although the credit card industry earns more than one trillion every year, they aren't satisfied with that, and have adopted dubious tactics to further fatten their wallets. Late and over-the-limit fees now account for more than half of their revenues, so they like to encourage or trick customers into paying some sort of penalty fee. And they are now only getting away with it, but they keep raising their fees up and up -- just a few years ago a penalty fee was about $10. Now the average is $29.00. Consumer groups estimate that soon these fees will average $59.00.

Late and over-the-limit fees are not the only methods companies use to rake in trillions each year. There are also the credit insurance programs, universal default policies, dishonest marketing campaigns and other stupid card tricks. Many of the major issuers -- First USA (now Chase), Chase, Capital One, Providian (now owned by Washington Mutual), Citibank -- have been sued over allegations o[censored]nfair billing practices and accused of blatantly using tactics to cheat customers out of money. Some of these tactics are outlined below.

Not posting your payment on the day it's received -- Federal law requires credit card companies to post your payment on the date it is received. If they fail to do so, they cannot assess you late charges or added finance charges. Still, a common tactic most card issuers use is to post only those payments received by 9:00 a.m. or 3:00 p.m. on a given date. Payments received at 9:01 a.m. are posted the next day despite the fact that all the major card issuers have payment processing centers that operate 24-hours a day, seven days a week. Best way to fight back: Send in your payment at least 10 days before the due date. If you can't do that for one reason or another, arrange to make your payments electronically by signing up at your credit card issuer's website so you can quickly zap a payment to them and they can't claim that they didn't receive your mailed payment until after the due date. It is interesting to note that almost all of the major credit card banks used to allow customers to quickly zap a payment to them via Paypal.com free of charge. Of course, this must have put a big dent in their late fee revenue so some of them stopped allowing this (Providian and First USA to name two).

Tricking you in to paying late -- Federal law requires that credit card issuers mail you your statement at least two weeks before the due date, so companies have to resort to other tactics to get you to pay late. You know that your credit card payment is due on the 25th of the month, or do you? Your issuer might suddenly change it to the 20th of each month to try and get you to mail it in late. If it's received late, they will slap you with a $39.00 late fee. If it's late two or more times, they can legally increase your interest rate dramatically, to as much as 29%. At various times, several credit card issuers have even resorted to not mailing out statements at all to encourage customers to pay late under the theory that "it is a courtesy that we mail statements out, not a requirement." [First USA actually used that as an excuse once and lost many customers as a result.]. Best way to fight back: Always open your monthly statement immediately upon receipt and check the due date. Don't be surprised if it has suddenly moved up five days and you received your statement "late". You might have to immediately write a check and get it in the mail that day to allow at least seven days for it to get to them before the due date. You don't want it to arrive at 9:01 on the due date do you? If it does, you will be assessed a late fee.

Penalizing you for carrying a big balance -- If you carry a high balance on your credit card month-to-month, don't be surprised if you one day notice a small paragraph on your monthly statement that informs you your interest rate is going to increase from 7% to 28% next month. What the credit card company doesn't tell you when you sign up for the card with the low interest rate is that they almost always raise the interest rate dramatically on people who never pay down a high balance on the credit card or carry big balances with other credit card companies. It doesn't matter to them that you have always paid your bills on time and are never late. You can be a customer of theirs for 20 years and never be late or miss a single payment, but one day they will decide that you are no longer a good customer and raise your rate to 28%. [Citibank is notorious for doing this. Every time I see one of their ads in a magazine or TV about how much they love and respect their customers, I want to throw up.]

Credit card holder wins suit worth Re 1 lakh

The Statesman 29.5.07

Arunima Ghosh

KOLKATA, May 29: Credit cards may be a status symbol to some but for a vast majority of consumers irregularities in credit card bills can cause a great deal of harassment. The recent victory of a credit card holder against a leading bank will be a boost to such consumers who are regularly harassed by their banks.

A city consumer court has come down heavily on ICICI bank by slapping a fine of Rs 1 lakh, the highest compensation imposed by the court so far for discrepancy in credit card operations. The court of Calcutta District Forum, Unit-II, president Mr TK Ghosh and members Mr H Bhattacharya and Ms R Acharya pulled up the credit card division of the bank for recovering a loan that was never received by the customer. The bank allegedly asked the consumer to repay loan installments along with interest including late fees for a loan amounting to Rs 33,500, supposedly issued by the bank, which was neither solicited nor asked for or received by Mr Kalyan Kumar Sur. The court ordered the bank to pay Mr Sur a litigation cost of Rs 5000 along with compensation worth Rs 1 lakh.

Mr Sur was taken by surprise when his credit card statements suddenly displayed interest charges. He complained that bank did not respond to his repeated e-mails when he asked the latter to provide him with loan details. Instead the bank allegedly harassed him further by sending loan collectors to his residence.

The clause 5.1(b) under Reserve Bank of India’s credit card operation guidelines reads: “Unsolicited loan or other credit facility should not be offered to the credit card customers. In case any credit card facility is extended without the consent of the recipient, the credit sponsoring bank will be liable to pay such penalty as may be considered appropriate.” During the court proceedings the bank failed to substantiate with written documents that it had received a loan request from Mr Sur. When contacted ICICI Bank spokesperson in Mumbai said: “We are aware about this case and the bank might appeal before the state commission against the order passed by the city consumer court.”

Dear Friends,
I was an urfortunate holder of a HDFC Credit card from late 2004 to early 2006.
It was supposed to be a lifetime free silver credit card.
The card had a meager credit limit of Rs 12000.00 and I had hardly ever used it.
Whenever I had used it for small amounts I paid back within 2-3 days time not even waiting for the due date to come.
In fact I had a Citibank Credit card with a much higher credit limit and better facilities do I used to use that one more. You can check my repayment record with Citibank if you want. Satisfied by my clean repayment record they kept increasing my card’s credit limit and facilities every year.
I had no outstanding amount on the HDFC card and in spite of informing the bank again and again never ever received a single statement from them.
On one fine day, in early 2006 I called up HDFC Bank Credit Card Division Customer Care and informed them that I was going to destroy the card so that they can block the account. They said I don’t have any outstanding but as a fore-closure free I need to pay one hundred something rupees which would be coming in the next statement and I can pay it then. I again told them that I never received any statement from them. But they said this time onwards I would definitely get them.
Days, weeks, months have passed after I have broken the card into 4 pieces and dropped the pieces in the trash can of one of the HDFC ATM’s. Then suddenly I get a call from a person called Rajesh from HDFC Bank’s recovery section. It was about a year after I had destroyed the card. Rajesh said I had about 20,000.00 Rupees outstanding on my card and needed to pay immediately. I was stunned and I said there must have been some mistake on their part. But he kept insisting. He even threatened to drag me to the cops and the court. I felt nervous because I can’t deny that the card belonged to me because I had signed on the application form while applying for the card. Besides, I didn’t have any paper, statement, letter indicating that I’m being wrongly charged. I continued to argue with him but ultimately had to give in. He said if I pay him Rs 5000 –something on that day itself in cash, he would get me the letter of settlement within a day. I unwillingly agreed, in fear o[censored]nnecessary trouble and embarrassment.
I asked him to come to my office (TCS, Whiltefield) in Bangalore. He came with another guy from the collection agency, took the money, gave me a receipt and said he would be sending the settlement letter to me on the very next day. Ever since I had been waiting for that letter and it never came. I only have a copy of the receipt for that amount but it does in no way prove that the account had been settled. I tried calling him several times at the number he had called me from but it turned out to be an office board number so I could never talk to him.
For almost 10 months I did neither hear nor receive anything from the bank.
Now, on an official assignment I have come to Japan and I have to stay here for a couple of years if not more. Suddenly my father calls me and tells me that a certain Arjun from HDFC bank is calling and threatening them repeatedly saying ‘Your son owes us Rs 24000. Either ask him to pay or we’ll drag you to the court’. I asked my father to give them my japan contact number and email id but they said thay didn’t want to make international calls and kept harassing my helpless old parents. At last, I told my father to tell them about Rajesh and the letter of settlement that never came to me. Now they are saying unless I present the settlement letter to them, they will send goons to our place and issue a legal notice etc etc.
My agreement with my firm doesn’t allow me to go to India before I have completed 18 months here. I am feeling so helpless out here.
What to do? How to prove I am innocent?
Is there anyone who can help me out? Can my parents sue the bank for harassment? Is it possible without having all necessary papers? I don’t have any papers with me except for that last receipt, partly because of my foolishness but mainly because of the bank’s callousness.
Is there anyone who can help me out?

Devalin Sarkar
Tokyo, Japan.
Phone : +[protected]
Email : devalin.[protected]@tcs.com

this is third time that i am not geting bill at my residence. i alway pay the bill on time. no one even remind or call or sms the same so if thier is any delay i am not responsable.

Kindly note that I have started the same tactics as they are adopting. On phone, speak filthy abuses to them. If they come to your house, call police on 100 and say that they have beaten you or assaulted you and trying to take the tv etc.

These agents can not do any thing except to go to civil court for the recovery. If you have issued any cheque and that has been bounced that on first hearing pay that amount and declare that it was the final amount.

In case of court, you must ask the copy of plaint and all the copy of the slip signed by you for verification and also the details of payment received before replying and you simply say in the court that there is no money payable by you.

In Lok Adalat, you must not admit that any amount is payable and never sign any statement. You simply say that they are telling lie. Not a single paisa is due even if there is due of lac rupees.

By this, you may give nightmare to them and they would stop threatening.

Since I have started these practice, I am in peace. Today when I received the call from Citibank, I said that I am not coward who would suicide but would compel to you to for suicide and if you dare to come at my residence, i would give you a good beating and would hand over to police after making false allegation that you have assaulted me.

Further, if police does not receive your complaint that file the case u/s 156(3) before the magistrate requesting directing the police to register the FIR and at the same time write to Human Right Commission.

Dear Sir,

Yesterday I received official letter from Your Bank that they can not do any thing because time is over.

But I was informed immediate to your Bank and as they directed drop the letter in any HDFC Bank.

I have done same.

And when ever I followed your Bank they have always told matter is under discussion and because this is a transition from different Bank so it will take time.

Now your Bank is putting interest also on that amount which I have not taken

So how I can pay that amount which I have not taken.

Sorry but I will not pay any amount which I have not taken



With Best Regards

Amit Saxena






[protected][protected][protected][protected]

From: Amit Saxena [mailto:[protected]@roulundsbraking.com]
Sent: Wednesday, June 04, 2008 11:23 AM
To: 'customerservices.[protected]@hdfcbank.com'
Subject: Due To M/C fault money not withdrawn



To,

The HDFC Back Manager,

Credit Card cell



Dear Sir,

I was tried to withdraw 5000 Rs from my Credit Card ([protected]) on 12.02.08 at 13:44:04 from Central Bank of India Terminal code SITD021401.

But due some M/C fault I was not received money.

I have immediately entered complaint in Central Bank India Complaint Register and inform their Manager.

And at the same time I have informed to HDFC help Line.

After that I have followed several times to Ms. Priya HDFC Bank.

Today As discussed with Mr. Varun I am sending attached copy of receipt but it is very old and fed that’s why not clear.

But still I have put all the information what ever I can read. There is below information also printed

TX# 5805 RESPCODE# 0051





So please take necessary action.



With Best Regards

Amit Saxena

Date of Birth 200876

Roulunds Braking India Pvt Ltd.

Bahalgarh Sonipat.

Sub :- Convert The Wrong Monthly Emi

Dear Sir
My complain against HDFC Creadit Department. Sir,Last to Last weak i swap the money Rs 36850 my HDFC Creadit card. So, after 3 Days I talk the HDFC Creadit card call centre. I submitt the request convert the Emi for 3 Years.

Muzhe se yahe done kiya gaya ki aap ki Rs 36850 Emi ko 3 Year's ke liya convert kar diya gaya hai. Mene call centre se is emi ka refernce number maga,tua call centre employee ne kiya ki aap sure ho jao ki aap ki emi ko 3 Yrs ke liya conevet kar diya gaya hai.

After 1 weak mene call centre mea call kiya .Tu aun ka answer tha ki aap ne 1 yrs ki emi comvert kari hai. Jo aun ke end se wrong hua hai.

Hdfc Bank mere sath wrong dealling kari hai. Pls is issue mea aap mere help kare.

Regards
Nivesh Aggarwal
[protected]

i was using HDFC Bank Credit card(card no-[protected]).all the amount have been settled.the bank is not issuing noc.Pls help...

Change of my address: No:10shakthi nagar, 13 th street, nerkundram, chennai-107

Credit Card -HDFC
I have credit card HDFC No:-[protected] with total outstanding of approx Rs.21, 744.89 in Feb 2008 i told the Customer excutive that i am ready to pay the amount. when i was going through my HDFC Saving bank A/c came to know that Rs.4.473. has been blocked by the bank because that much money is due as credit card outstanding i have requested them to look into the matter i am ready to pay the settle amount please release the amount as i will have few cheques for clearing this week i talked to customer support department Kamlesh amin & Kavita complaint no ( [protected] ).I pay a cheque of 10, 000.00 to unblock the saving a/c, but they still saying that u have to clear all due iam ready to pay with 2/3 installment . i am waiting for the answer but meanwhile as they have blocked the amount me and my family is going through tough time any consequences to me and my family due to this attitute of HDFC credit card collection department HDFC bank will be responsible.
Before blocking they should have contacted me on my mail id if i was not available on my contact no.

Renganathan Balasubramanian
Credit Card no: [protected]

I am getting SERIOUS THREATENING calls from the telephone no: 64598802 of your credit card recovery dept. for making payment of credit card dues . He is talking in a most absurd and abusining unparlimentary words questing my integrity and calibre in my business circle and personal carrear . I request the HDFC management to take severe action for such indecent humane approach towards customers of your bank . I seek your concrete reply immediately on receipt of this message . Even now after sending the message if i am getting THREATENING calls from the above telephone number i.e 64598802 i am constrained to take police action against the person who telephoned to me. Awaiting your return reply and action. I assure you that i will settle the payment shortly .

Yours

R.Balasubramanian

I am also undergoing same situation from HDFC Bank.

hi!
my name is neha shama. i have a credit card from hdfc bank and have outstanding due on it. i possess that card since 2007. i'm making payments to it when they call but today AUG 11th i received 6calls from hdfc and they were abusive due to which i had to bang the phone as i have never ever used such language or heard this... IS THIS THE WAY TO DEAL WITH CUSTOMERS????? i received the calls from[protected] i had a spat with her as she was saying things which she is not supposed to. HER NAME IS NIHARIKA AND SHWETA as she keep changing names... i promised her that i'll make the entire payment in 7-8 days but she is still abusive. so want to register a complaint against her.

I request the HDFC management to take severe action for such indecent humane approach towards customers of your bank . I seek your concrete reply immediately on receipt of this message . I am constrained to take police action against the person who telephoned to me. Awaiting your return reply and action. I assure you that i will settle the payment shortly .

I too belong to legal background; and seriously want somebody to take action against this else i will be forced to take this matter further.

SEEK YOUR COOPERATION IN THIS MATTER.

Dear Sir / Madam,

My Aunt is getting calls from this number [protected] which are abusive. They are calling for a payments on loan availed by another person for which he had provided her number as a guaranter.
We have reported this to the police. We would like to know how to tackle this insane behaviuor of the person calling and how to go about getting the address for this no 32089146.


Regards

Shekhar Arelly

Hi

In continuation of my last complain still i am getting abusive calls from the HDFC CREDIT CARD COLLECTION DEPT. especially a lady called Reshma does not have any sense to how to talk she is keep using the words like "aapko sharam nahi aati kya" "dimag hai ki nahi tumhare pass" all such kind of indecent language she is using.I need an action against these people within 24 hrs because they are keep harassing me.I am hereby again mentioning her no.[protected].

Thanks & Regards
Priyanka Singh
#[protected]

They harassed me for one year and i want to share my experience with everyone.

HDFC bank Credit card recovery department is most notorious in the country.

That is the reason they can show very low Non Performing Assets because they never write off any of the settlements done with the customers.
They did the same with me for one year. I took the matter with ombudsman, using all the emails that i had sent for one year, the settlement letter scanned copy and the proof of payment that i had done. Now i have received the zero balance confirmation and the write off in cibil.

They try to get you into accepting expired settlement letter after which you have no rights. Make sure you make the payment within the written time frame of the settlement letter at all cost

*they sent harassing recovery agents on 'behalf of HDFC Credit card'
*the agent wanted me to make part payments rather than asking for settlement letter
*they tried to make me accept the expired settlement letter.
*they did not honour their written commitment made via their settlement letter for writting off the dues.
*they kept on refusing on emails and kept asking for more money for writing off in cibil records.
* I took up the issue with their "Nodal officer" as well but to no use.
*finally i took all the mails to the ombudsman and got the issue resolved.
*Till date HDFC credit card department holds that everything that was done is in accordance with bank policies. (only God knows how many inhumane policies do they have in their kitty)
*they have wasted my whole one year in followups, mental harrasment, and botheration.

Stay away from HDFC bank for all reasons.

I got a call from customer representative from hdfc bank On 27april 2015 .she called me 2 times on that day.i told that lady not to call.again she called on 28 april 2015.she started to abuse me.so I gave my call to my mother.she again started abusing my mother and father.that representative lady name is Tamil chelvi and I got call from this number [protected]

I got a call from [protected]. A lady named tamil chelvi called me on 27april 2015.i said dont contact me again.she again contacted me on 28 april 2015 And started to abuse me.i disconnected the call.again she called, i gave to my mom. She started to abuse my mom and dad.i just want to take action on her

From number[protected] agent called and told me that I have to take the loan from the,
An when I told that I never have asked for the loan, he started using abusive language and threatened me, I have recording with me too regarding it and am planning to submit it to the police station at my place. I even don&#039;t have account in this bank and will never open up for this misbehave.

This is Himanshu Sikka, working Bharti Airtel Ltd and i am you A/c holder[protected] in your bank for the last 1 year. Before few days i got the call from your call center by Rachna[protected] which is deal with credit card and she has taken my request for Credit card and i forwadred my all documents and cleared all the varifications.

After that she said it will be dlivered within 10 days. Day before yesterday when your feild officer came to delivered my card to me, he called me then said i am waiting at the reception. i said that plz wait for a while i will be there within 10 min and then again after 2 min i got the call from him and he said i cannot wait 2day are you coming or not? Is this is the way to deal with the customer? I was in the Office not in the residence in case i would be reach at the same moment. At the same moment i called to Rachna and brief the matter and till now no action to be taken from her and havent recvd any response from the bank also.

If this is your services to the existing customer then i dont want any services from you.

And 2day i have already forwadred my cancellation of credit card request to rachna and she has forwarded for the same.

I WANT TO SEND MAIL TO HDFC BANK CREDIT CARD PLEASE SEND ME THE MAIL ID OF CREDIT CARD DEPARTMENT RIGHT NOW ON MY MAIL ID IMMEDIATELY.

Dear sir,
plese send my creditcard statement in my e-mail id





Thanks
ranjitkumarswain

I have not recieved a single statement of my credit card nomber [protected] please send the statement on my e.mail [protected]@hotmail.com and also send me a my city card because my old my city card has cracked and I distroyed that and please increase my credit limit thank you

Dear sir/mam,

Till date we have not received the statement of my credit card my card number is [protected]. for your kind information i will not pay any extra charges for the statement delay.

Sir,

Ref:Credit card number:[protected]
I have not recieved my credit card statement for the past one year.I request you to help me in getting the statement through post or the above mentioned E-Mail ASAP.please provide your response immediately.

Regards
Pavithra P

Hi

Can someone please help me. I have a HDFC Gold Credit Card with 1, 50, 000 Credit Limit. This is not enough for me and I require atleast 2, 50, 000 limit a month. I have been using the card since November 2007 and have paid all my bills in full using an average of 1, 20, 000 a month... its been 8 months and no increase in CL at all.

Can someone please e-mail me at [protected]@gmail.com and help me out

Regards,
Arjun

my HDFC bank credit card duely expired on 05/08. just before expiry they had sent a new card which was not delivered by the courier service.also for the second time the courier failed to deliver the card quoting the address is not existing( how come the card statements are delivered promptly to my address???????). NOW I DO NOT WANT TO USE HDFC CREDIT CARD ANYMORE.I WOULD LIKE TO KNOW THE EMAIL ID TO INFORM THE CUSTOMER CARE WHICH I COULD NOT FIND IT IN THEIR WEBSITE.PLEASE HELP.

Hi,


I am holding hdfc card but may residence address Incorrect updated please correct update my residence address:-

HDFC CARD NO.[protected]

Nirmal kumar c/o Ram sharan advocate
Village and post office Rojokari Pahari
New Delhi-110038
(Near AshaRam Bapu ashram)
Ph.[protected]


Thanks & Have a Nice Day
With Warm Regards
Nirmal kumar
qru team

I want to get the monthly statements through email.

What process i need to follow.

Ranjit

Sir,

This is to inform you sum one called up from 40050285 & 40050286 and they are slanging in my phone no. [protected] .

They are calling me again & again in evry 10 min. For God sake please take some immediate action.My card no. is [protected].Even I have compained in customer care no. [protected] and they have given me case Id no. [protected], [protected] respectively.

Yours immediate will be highly appreciated.

Thanks & Regards

Vivek Kumar Gupta

I WANT TO SEND MAIL TO HDFC BANK CREDIT CARD PLEASE SEND ME THE MAIL ID OF CREDIT CARD DEPARTMENT RIGHT NOW ON MY MAIL ID IMMEDIATELY.

I WANT TO SEND MAIL TO HDFC BANK CREDIT CARD PLEASE SEND ME THE MAIL ID OF CREDIT CARD DEPARTMENT RIGHT NOW ON MY MAIL ID IMMEDIATELY.

SUNIL GOYAL CARD NO 4346, 7720, 0367, 3307


I WANT TO SEND MAIL TO HDFC BANK CREDIT CARD PLEASE SEND ME THE MAIL ID OF CREDIT CARD DEPARTMENT RIGHT NOW ON MY MAIL ID IMMEDIATELY.

My name is Pradeep Kumar V K holding a H D F C Credit card no [protected], I have been useing this card since 2004 with a credit limit of Rs 22000/- But after 2005 i stoped useing my card and only kept on paying the balance amount, I do agree that their was some delay in paying but still whenever the collection person had asked for the payment i made it a point to pay at least the minimum amount - mean while i was transfered from bangalore to Mumbai in may 2007 and still i kept paying the amount, once i asked the collection person what is my balance due and he told me its Rs 61000/- just imagine my cr limit is only Rs22000/- how can the balance become Rs 61000/- he told me you do this minimum payment and you can have a settlement of account i agreed and did the same but after receving the payment he did not turn up to me and again the matter became pending, one fine day one Mr. Nagaraj had called me and told" we are redy to settele your account please pay Rs 12000/"- i told him right i will not be able to pay him in single go please give me an option of instaulment for which he did not agree and started sending bad S M S to me ( i Still Have Those SMS) than later one Mr Deepak had called me and told me to Pay Rs 12000/- as settlement amount with four EMI's . i made two EMI's on the Month of December -2008and Jan2009 mean while i lost my job and could not make further payments but still I informed Mr Deepak about this and also told him as soon as i get some cash i will do the same - on 2nd of April I recived a cq of Rs 72322/- as a final settelement from my old company which was the only saveing I had and I deposited the same in H D F C account My S B account No being [protected] and as soon as I deposited my Cq I called up Mr.Deepak that i have got some money with me and i want to settle my account for which he told me since I have not paid for last two months now the settlement is void, i informed him to help me on the matter and he agreed to do so telling that Rs 10000/- to be paid again i still agreed but for all my shock when i checked my S B account on the same day i found [protected]@ Rs 63000/- had be blocked from my S B account without any notice i tried to call each and every person but nobody is giveing me a correct answer nor are they trying to tell me with whom should I talk to till today ie 6th april 2009, Today somebody called me an gave the number of Miss Nitu Sharma[protected] I kept on trying to this number but the phone is always engaged, I kindlly request all to help me out of this problem and I would also like to ask the cr card person how can you block my S B account without any notice and I request them to look into my account as i have mentioned earlier I stoped useing the Card in 2005 but was always makeing the payment till jan 2009
please help me out
Pradeep Kumar vK

My card no. is [protected] i have not used my card from the time i received how ever i planning to use it now please let me know how much is the crdeit limit now?

I have not received statement of credit card No.[protected] More over transaction was also closed by your bank whereas amount in balance of my credit card. Reason may please be intimated. I also request to your kind honour please change my mobile No. [protected].
sunil Virmani

Dear Sir,

I Shajan Mathews C.C. No. [protected], I settled my credit card with offerletter of Rs. 41200/-. Rs. 2000/- advance given and balance of Rs. 39200/- as 11 instalements. Instalment amount was Rs. 3564/- p.m., I have paid all instalment, In mid my salary account was changed that time I informed concerned person and emi cleared through cash. I completed 11 inastalment, one lady called and said, for settlement Rs.400/- more required. I paid Rs. 400/-. after a month one male staff called and said Rs. 2000/- required for closing. I said this is very irritating, finally I gave Rs. 2000/- more closing, but last week I received a call from collectioin he said credit card not settled, more amount required., he said settlement amount showing in system and emi also received, but not settled, sir what is this happening, right now due to market crises I lost my job also, in, in last three months I am jobless person. Please close my account and send me zero balance statement.

Thanks

Shajan Mathews
[protected]

Dear Sir/ Madam,

I (PBR AMBEDKAR) my credit card number no: [protected]. I need help from your side. Pls help me in getting the hold funds. My total salary is hold due to funds pls release last month only I had paid Rs. 1500/- and the remaining amount I had requested for settlement. I will make settlement by this month end or else hold my salary next month also I am ready for that.. Even for bus pass and other expenses also I am unable to do my activities. Pls help me so that I can take amount from my account.

Thanking you,

Regards
PBR AMBEDKAR

HDFC Bank card divisiion customer mail ID no where it's shows. Even it is not visible in their own website also. Very worst Bank

Could you please tell how you dealt through this?

Dear sir,
plese send my creditcard statement in my e-mail id [protected]@yahoomail.com

card no [protected]

I WANT TO SEND MAIL TO HDFC BANK CREDIT CARD PLEASE SEND ME THE MAIL ID OF CREDIT CARD DEPARTMENT RIGHT NOW ON MY MAIL ID IMMEDIATELY.

Hi

there is no email id found in your site where i can send my complaint for not receiving the transation no of IVR for ticket booking from irctc railway,

if found any suggession related to same please reply in the below mail id.
[protected]@rediffmail.com

HDFC Credit Card — Not getting statement of Credit Card

Sir,
My name is Ashok Kumar Saini. I have Gold Credit Card on my name and one Addl card on my wife Kamlesh Saini's name. I have taken a personal loan also and paying installment well before due date. I am not getting my statement. I contacted customer care repeatedly but got the same reply everytime that it will be sent to you shortly. I got the consolation only not statement.
please do the needfull to get me statement if you can.
My address : Sr. No. 167 Talekar Bldg, Opp Ozone Bldg, Santnagar
Lohagaon, Pune - 411047
email : [protected]@rediffmail.com

Dear customer,

We request you to write to [protected]@hdfcbank.com with your credit card and contact details and the reference number TTU[protected]. We will check this frok our end and respond to you.

Regards, Customer Assistance, HDFC Bank

NOT GETTING STATEMENT
SIR,
Ref:Credit card number:[protected]
I have not recieved my credit card statement for the last month by mail.pls send it to me immidiatly.
call me on this no. if required...
Anil trivedi:[protected]

NON ISSUE OF CREDIT CARD

I HAVE APPLIED ONLINE FOR CREDIT IN FEB.2015 AS PER THEIR AD ON VARIOUS SITES.BUT TILL DATE I HAVE NOT RECEIVED CREDIT CARD & ANY RESPONSE OF VARIOUS REMINDERS.IT SEEMS THEY ARE NOT INTERESTED TO ISSUE CARDS APPLIED ONLINE.

Hdfc bank depository charges

Hdfc bank charges more than 850 as showing depository charges without my interest from this month as i have never contacted anybody for any service. Please help me what are these charges and how i can get these back

Relieving Letter Not provided till date

DEAR SIR my self Rohit Sharma emp code 108221 i am working sales officer HDFC Bank in Hing ki mandi Agra I have resion my post form 4 apr 2014 my reliving latter not provide Regad. Rohit Sharma emp.code 108221

Charge

who can give permision AQB limit and charges, saving interest rate 3.5 to 4 % And AQB not mataind in one year charge 35 % ?

Worng Bill Generate

When i had deposite the all pending amount then why are generate the credit card statement amount Rs. 1057/-. Iwant to clarification as soon as possible. your end.

I also have a loan with HDFC When I was taking the loan they told the loan was for 14.5 % after two months of EMI I found that they were taking more interst - at the rate of 17%. I logged a complaint against the this .

In between this the ESC which was suppose to be debited on 7th did not happen . the bank did not present the ESC on 8or 9 th - is asking me to paythe fine for latepayment now . I enquired the the same in ICICI found that the HDFC didi not present that ECS on those dates.

I am find this bank is doing fraud .
IF there are more people we should log a compalint against this practice .
This is cheating .

HDFC Bank is very bad bank. It does not provide customer satisfaction. I have more and more and more complaint for HDFC Bank. And also customer care of this bank is very poor.

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

Houseing Loan — NOT UPDATION IN MY LOAN A/C OF MY DEPOSITED MONEY

SIR,
I HAVE DEPOSITED RS. 457/- ON[protected] WHICH IS DEBITED BY MY BANK A/C NO.105843 ON 20.01.2007 THROUGH CHEQUE NO -472847 OF BANK OF RAJASTHAN ,LUCKNOW. BUT SEVERAL TIMES I HAD TRYED TO QUERRY FROM LUCKNOW BRANCH TO SHUSRI JYOTI/SALINI, SHRI RAJEEV(PHONE NO[protected]/VIKAS VIKRAM SINGH AND MR TONDAN. BUT THERE WAS NO RESPONSE TO ME FOR CLARIFICATION OF MY DEPOSITED MONEY TILL NOW. SUDDENLY TODAY I HAVE RECIEVED A LEGAL NOTICE .REGARDING THAT I HAVE QUERRYED FROM LUCKNOW BRANCH THEN I GOT TO KNOW THAT LEGAL NOTICE WAS SENDED TO ME FOR DEPOSITED MONEY WHIS I WAS ALREDY PAID. TO SAW THIS NOTICE MY WIFE GOT EFECTED WITH HEARTPAIN BECASE SHE HAD NOT RECIEVED SUCH KIND CORRIOR OF LEGAL NOTICE BEFORE .
PLEASE CLEAR THE SAME AND I WILL BE HAGHLY OBLISE TO YOU.

THANKING YOU

YOUR'S FAITHFULLY
SHEO PRASAD MISRA
LOAN A/C NO LBLUC[protected]
LUCKNOW

HDFC Home Loan

Apply For Home load But I Have Problem In My Salary Certificate Is Not Pvt Ltd It’s Proprietor So Your Bank Is Rejected Pleas Help Me & Call Me

My Mobile [protected]

HDFC Bank — Cheque not issued even when the loan is approved.

I have applied for a Loan for the past one and half months and still i haven't received the money. The executives are so careless in their work approach and gives invalid reasons. They are not interested in giving the approval and find reasons to delay it. The reasons such as the credit manager is on leave, one of the executives is on leave are the day to day reasons they give. Please look in to this seriously and i am damn tired about all these things. This shouldn't happen with anyone else. One of the executive named Mr. Abhay is such careless and irresponsible and doesn't deserve to be in the post he currently sits in. Please remove him or fine him or caution him...

I think you will consider this as serious and take it as a stepping stone for your bank's revival.

hdfc ltd, tiruchirapalli, housing loan — interest rate not changed

I have availed housing loan(No.[protected] from HDFC Ltd Tiruchirapalli, and I have requested them to convert my loan a/c as variable interest rate a/c from fixed interest rate. For which I have remitted Rs.1, 308/- in Jan 2004 and handed over the necessary signed documents to Mr. Mahendran of trichy branch.But sofar it is not done.Pl convert my loan a/c as variable interest rate a/c wef jan 2004(with back date) immediately.

sdfsdf — if you dont want loan go to hdfc

hdfc home loan is the worst thing it a very slow process it better to go to other bank and try for loan it takes more then 2 month for home loan in hdfc bank

HDFC — Loan against non.confirmation

Dear Sir,
I have applied Home loan. everything is fine & process fee 10, 166 also deducted from my a/c by ICICI, but at last they people said that your name is in cibil so you dont get the loan.

This is four your kind information that i don't have taken any loan in my career. But as per CIBIL report by HDFC the loan amount in my favour is 1, 24, 000 of the date of march 2008 and now it shows 1, 18, 000.
Plz. find the detaile of loan senctioned by the bank urgently otherwise the case will proceed in legal way.

regards
Promod kumar singh

Home Loan — home loan against the property evaluation

I introduce my self and my father as
SBI customer, Bareilly.50 days back we had applied for a hoam loan in d.d
puram Bareilly for a amount of 20 lacs as guieded by your team/SBI hoam
loan dept.We both are the salaried person and fully eligible for the said
and applied loan (as per the SBI norms). All the doucumentation have had
approved by the SBI team. Normally SBI claims to get it done in a week
time, unfortunately in our case it was more than 50 days.and after a very
dissatisfied answer from your said. Your team evaluated the property worth
of ten lacs only including the registration charges. And for the same
property, A nationlize bank excluding the registration charges
have given a loan of 11 lacs two year back."WE WILL APPRICIATE TO THE
SBI TEAM, IF THEY LET US KNOW UNDER WHAT CIRCUMTANCES OUR LOAN IS NOT
SANCTON". AND WHY IT IS DELAYED BY MORE THAN 50 DAYS. AND UNDER WHAT
PARAMETER THE PROPERTY IS EVALUATED A COST OF RS 8 LACS ONLY.AND HOW
WOULD THE BANK WILL COMPANSATE MY ALL EXPENDITURE AND TIME.

HDFC Home loan = Fraud, Cheat, Robbery. They take away the processing fee and deceive you

Sub : Personal Loand Account No. 91100832
(Erstwhile No. LOMP [protected] - Centurion Bank of Punjab)

Sir,

I had taken a loan of Rs. 1.00 lacs form Centurion Bank of Punjab, Express Building, Near ITO, New Delhi two years back and have been paying EMI of Rs. 2733/- successfully. Out of 48 installments I have already paid 23 installments. However, when I saw the statement of Accounts I was really shocked. They have imposed unnecessary penalty on me for no fault of mine. I have sufficient proof for this to show the concerned Bank Officers.

When I approached the the said Centurion Bank Office (Now HDFC Bank) they told me to contact on Customer Care Number. No body is listening my request. Sometime they guide me to go Safdarjung Enclave, sometime to Rajouri Garden etc.etc.

Recently I have received a Registered Letter from HDFC Bank dated 19.01.2009 from Mumbai Office which has been posted on 3rd February from Bombay, showing outstanding balance of Rs. 69, 496/- which is not correct. This is totally wrong. I am suffering through mental tension. May I request you to kindly depute some officer to sort out my problem.

Regards


M P singh
mobile [protected]

DO NOT GO FOR HDFC HOME LOAN. SALA CHOOR HAIN. BIG THEIF. INCREAST CLOSING CHANRGE FROM 2 % to 3 % without any press realease.

What ever from last 3 years I gave is Totally Intrest NO Principle Deduct.

THEY ARE BIG COOOOOOOOOOOOOOOOOOOOOR.

Take Loan from Nationalize Bank Only.

HDFC Home Loan — PrePayment Charges

Increase in the Prepayment Charges without any notification.

I have requested on 14 Feb 2009 (at that time charge is 2%) and i was told to collect it after 7 days. I reached to collect document on 21 Feb 2009 and found that bank increased rate from 2 to 3 % from 16 Feb 2009.

But as I put the request on 14 Feb which rate should be applied.

sdfsdf — Increase in the Prepayment Charges without any notification.

Increase in the Prepayment Charges without any notification.

I have requested preclosure report on 14 Feb 2009 (at that time charge is 2%) and i was told to collect it after 7 days. I reached to collect document on 21 Feb 2009 and found that bank increased rate from 2 to 3 % from 16 Feb 2009.

But as I put the request on 14 Feb which rate should be applied?

Bank is fooling the customers.

Regards,
Sachin

Hi,

I am also facing the same problem with HDFC.
What was the conclusion 2 or 3%.

Sir,

I had financed my bike form Centurion Bank of Punjab 3.5 years back and have been paying EMI of Rs. 1056/- successfully. Out of 36 installments I have already paid all 36 installments. However, sometime back one of there representative called me up and said that you have an outstanding balance of Rs11000 . They have imposed unnecessary penalty on me for no fault of mine. I have sufficient proof for this to show the concerned Bank Officers.

Best Regards
Rohit kaushik
[protected]
Ghaziabad

Guys no point taking all this here lets get together & Take the fight to HDFC.

I have created a group on Yahoo join it so that we can approch HDFC with our demands.

changed the name of the group

http://in.groups.yahoo.com/group/hdfchomeloancustomers/



Nitin Grover
Advocate
[protected]

Guys no point taking all this here lets get together & Take the fight to HDFC.

I have created a group on Yahoo join it so that we can approch HDFC with our demands.

changed the name of the group

http://in.groups.yahoo.com/group/hdfchomeloancustomers/



Nitin Grover
Advocate
[protected]

Guys

I have created a group for HDFC home Loan customers.It shall tackle the issues related with HDFC .This Group is open to all HDFC loan customers of New Town Height and Express Grens Memebers or for any different property they may hold.We will only be discussing related with HDFC Home LOAN.

In case you guys have taken a loan from HDFC please join it.

http://in.groups.yahoo.com/group/hdfchomeloancustomers/

Group Name Changed.

I also have loan from HDFC & its no fun paying them this high rate of interest.

They keep offering lower rates to new customers once they fall in tran the interest rate for them also goes up.

This group is for existing home loan customers.

Lets get together & Thanks for your support.

Regards

Nitin
[protected]

I am also victme of HDFC home loan.

sdfsdf — HDFC Home Loan Policies

Join the HDFC home loan group to make a difference.

http://in.groups.yahoo.com/group/hdfchomeloancustomers/

Please join the following group:

http://in.groups.yahoo.com/group/hdfchomeloancustomers/

This is a group for all home loan customers from HDFC. This is a place for all o[censored]s to get together & share our experiences. It also provides us opportunities unite & take steps to protect our rights & interests.

sdfsdf — transfer your home loan to LIC bangalore

tranfer your home loan to LIC or new home loan
only BANGALORE CITY pepole contact

ASHOK RAJ
LIC OF INDIA
BAGALORE-560001
MOBILE NO-[protected]
E-MAIL- [protected]@yahoo.co.in

Some of the advocates want to cash on any problem that are before the world .. you cannot blame them ...they need to survive in as much as any body want to.. In any problem, very very few of the professionals (not all) see colour of easy money, putting people into litigation.. Courts are already burdened with so many lakhs of cases and they abhor all frivilous and vexatious suits.. Even our CJI of India has observed that Advocates have their responsiblity in guiding every citizen of India in this process in as much to mitigate every other problem. So that delvery of justice is not stiffled with numerous vexatious cases.. In this regards bodies like National legal Services Authority and State legal Services Authority are doing an yeomen service in reducing the burden of the courts, as the courts are already bursting, overburdened and plagued with numerous firvilous and vexatious cases ... Hence public are cautioned for proper and better advise from professionals and should probe more on all such invitations for those o[censored]s who are disgruntled on any issues, be it services rendered, home loans, product services, cosnumer articles etc. Beware of these people who under the garb of professional advise, would set a trap and render us that much poorer by us spending money on unneccessary litigation. These are the poeple who invite all the gullibles into a long term litigation... you know why !! Their survival exists because of you... Hence forewarned is a better arm for all o[censored]s. Let us respect the Judiciary that has set precedents in this regard. Citizens are intelligent and they would not be spurned by such invitations. J AI H I N D -----Radhika, Advocate, Chennai.

As far as the lower intrest rate to new customer and higher to old is concerened... What they say is
There is this PLR(Prime lending rate) which is decided by the RBI and there is something called as spread, which is mentioned in your loan agreement and which will be same through out your loan tenure.
Your interest rate would eb PLR-Spread. so It is PLR which determine your intrest rate... for the new customers spead may be higher.

And PLR revision they do once ina quarter, suppose PLR has decreased in feb but it will be applicable to you only in April and if PLR increases by April then the incresed PLR will be effective for you.
Please check if this is mentioned in your agreement, if yes and they are not providing you interest rate based on that then u have every right to take them to consumer court.

Attn : Existing HDFC Home Loan Customers - Join Yahoo Group The existing customers of HDFC home loan have formed a group at Yahoo Groups by the name of 'hdfchomeloancustomers' to address the concerns of existing customers who are paying high interest rates. The group unites Hdfc customers and intends to take the issues like high interest rates, conversion fee, increase in loan transfer fee and treatment of old customer's with HDFC. The group is very active, vibrant with people from diverse vocations and regions. Please join the group. Please forward to all you know are HDFC customers"
--standard disclaimer at the end

HDFC Bank - Home loan — Home Loan interest rate charged

Dear Sir

I have taken a home loan in Centurion Bank of Punjab on 7th March 2007 . The Bank is now merged with the HDFC. As per the agreement signed between me & the CBOP the interest rate agreed is only PLR + 0.75 %. But actually Bank is now charging PLR + 1.25 %. means charging 0.5 % higher.

Despite the written agreement over 1 1/2 years now trying to approach various agencies, But no body is responding and giving a solutions to the above problem. Hence I coulnt see any other way except appraoching the Consumer fourms to address the issue.

I am looking for the reduction and repayment of the higher interest charged on my account.

We are also suffering from same problem.

HDFC BANK FOLLOWING HOME LOAN BUSINESS FRADULENTLY BY HARRASSING THE CUSTOMER. WHAT IS DEMARKATION LINE THEY ARE MAKING SAYING IT IS THEIR EXISTING CUSTOMER AND TAKEOVER CUSTOMER UNDER FLOATING RATE BUSINESS. OUR AGREEMENT IS WITH ORIGINAL BANK.. ANY CHANGE DIDN'T ASK US IF THEY WANT TO CONTINUE ACCOUNT WITH THEIR BANK.

HDFC BANK DON;T EVEN RESPOND IF YOU REQUEST TO CLOSE THE ACCOUNT.

PLEASE ADVISE HOW TO RAGISTER OR LAUNCH COMPLAINT AGAINT HDFC BANK.

THANKS

Housing Loan — not provide to me my demanded document

i am housing loan custamer of lichfl my loan a/c no, is[protected]
due to high intrest rate of lichfl i wants to takeover my loan to other bank so he demanded me
1) list of document
2)out standing amount statement
so i was give application in writing to lichfl's surat area office on date 15/04/09 and 08/05/09 and i was e mail to it's h.o., how ever lichfl not send me my demanded document and he ols not care to give any reply to my appli. and e-mail

I'd also taken loan from HDFC and was paying 12.25% from initial 8.75% I'd signed up for.

A smart way is to get out and stay out of high interest rates of Public/Private banks is by using some of NBFC and private institutions which offer lower rates of 6% - 7.5% .

And Its Fixed for entire duration of loan .

I changed from HDFC rippoff rate of 12.25% to 7% from private finance company.

I'll be saving over 16.4 lacs over the next 15 years by changing over to private finance company. This is money I'd have slogged to make banks richer...now I can use it to invest or get out of this loan 35% faster.than possible before.

If interested you can contact
Sujith [protected]

...and tell him Suresh Ancholi referred you to him.

H.D.F.C.Ltd — Change of address

Dear sir, I have 2 FDR of Hdfc ltd. which matured in 2001. But due to some reasons I couldnot renewed it. mean while I requested the bank to change of address as I shifted from Imphal to Guwahati. I requested them to correspondance with me at my new address. Now came to know that my money has been transfered into Consumer education fund. When I asked the bank that to whom they informed about it . They email me that they informed me on my imphal adress. When I complaint about this to them. the assistant manager Me Siddartha Basak said that the change of address was not done under the understanding that the same would be processed at the time of renewal of the Deposit.. Now when I informed them about my new adress int hat case how can they corresspodant with me at my old adress. How can I get back my money.

Home Loan — intrest issue

we have taken home loan from last 3 year ,the loans is in fluctuating basis,

earlier the rates increased day by day but when the rates got down as per rbi they never make the changes in the rate of intrest.

we are getting cheated from the abn amro bank & as we called the bank they said it will get change from next month

please guide us how to solve this issue

thanking you

manish agarwal
[protected]

What is the standard time for home loan approval. In my case, now, it is more than 50 days, the loan is not disbursed. What the HDFC back office people are doing, only God knows..? Totally unprofessional attitude and behaviour by HDFC Ltd.

recently I have taken the home loan from HDFC and going through hell lot of torture for documents transfer. So just want to get rid of these unprofessional people by pre-closing HDFC loan and then move to LIC. Please can you provide me process details to pre-close HDFC loan and move to LIC.

HDFC — HDFC interest rates on home loans

Hi

we took two housing loans from HDFC bank at floating rates. In the past when the rates went up the bank hiked the lending rates/ However now that the rates have come down the bank refuses to reduce the rates giving ridiculous reasong. Please let us know how do we go about forcing the bank to reduce th rate.

The loand have been taken for purchase of flat in Gurgaon

There is no group...

From web:

"There is no group called hdfchomeloancustomers."

HDFC — Charged fee without sanction of loan

HDFC has charged me Rs. 11000, as a processing fee a month back and not sactioned my loan yet. They are neither refunding my money nor completing the the process. It seems HDFC is trying to make money from the fees with no any effort. Please help me know, about the legal remadies available to take-up against this fraud.

Reg. Home loan at HDFC bank — Processing fee withdraw from my a/c

Sir,

I had applied for home loan in HDFC bank on 24th Dec 09. On 1st Jan i got a call from one of the bank rep (who took my appln) that the application is logged in and the file no. is[protected]. But by the time i got approved loan from other bank. Hence i informed them (through phone and by sending the mail to repective person in HDFC bank) to stop processing my loan file. But inspite of the mail and call, they have presented the processing fee in my bank and withdrawn the amount from my account. In this regards, i have sent many mails to HDFC bank and to the concerned people, but got no reply till today (i am following it up from 4th Jan 2010).

Regards
Swamy

sdfsdf — HDFC HOME LOAN - Unfair Policy

I have approached several banks in order to avail home loan for purchase of a flat which is under construction. I found a couple of nationalised banks offering less rate of interest as compared to the private banks. However, since the documentation & the processing time were more with nationalised banks, I had to go with HDFC. I requested HDFC for fixing interest rate for the first two years, like other banks have done, but it was denied then. My loan was sanctioned and partly disbursed in the 2nd week of November 2009. And now during the 1st week of December 2009, HDFC has announced that for new loans the rate of interest would be fixed until Mar 2012. I have approached HDFC again and requested to pass this benifit on to me, but they said it would not apply to existing customers and it was only for new loans disbursed since Dec 2009. I wish to highlight that whenever there is a upward rate revision, it gets passed on to all the customers, but if it is a downward one, it would apply only to new and not to existing customers. I don't see any justification here. Can some regulatory authority look into it and make necessary amendments to the Home Loan policy so as to make the interest rate uniform for all the customers?

most popular banks like HDFC ICICI when we touch in bank they told home loan section is close for two three months i am living in latur

Dear Sir,
This is devesh raj singh
i will give u best way for ur prbm

Thanks and regds
Devesh Raj Singh
[protected]

I am also a customer of HDFC paying 10.25% interest rate for my home loan, I also want to reduce my interest rate, Please help me.

sapan — sanction of loan

I have applied for loan in the LIC Housing finance ltd.civic centre,Jabalpur (M.P) in first week of march.I also personally met to Shri Rao .since then they have not given any information regarding the sanction of loan

sapan usrethe
plot no-12,2046
vijay nagar chapper rampur
Jabalpur
Mobile No.[protected]

Please read this email which I sent to them today, which will tell the story:

Hi All,

I have requested for the refund of the excess Proc. fee to Ms.Priya, on 17th May 2010, today it is 2nd of June 2010 wich is 16 days totally. Please let me know how many more days you require to send me the refund. I am totally disappointed with your services, and I feel that I have made a wrong choice by selecting HDFC.

I have applied loan in your Trichy branch and identified a property in Bangalore. I have send the photocopies of all the documents to Trichy on 14th of May 2010, which you would have received on 17th of May 2010. But till date(02-Jun-2010) I have not got the update for the technical evaluation and legal verification, and I am still waiting for this result to pay the advance amount to the property owner and to do the registration. When I called Mr.Ponnian to ask about the technical evaluation, I came to know that, nothing had not happened till date and I got totally shocked.

Please help me atleast now. 7th June 2010 is the last auspicious day to do the registration, if I skip this date for the next 2 months I cannot do the registration, so I kindly beg you all to complete the technical verification & legal verification tomorrow and fix an appoint for me tomorrow morning to show the original document in Marathahalli, Bangalore branch.

Based on the information received from Mr.Kannan, I went to Marthahalli branch 4-5 days back to submit the document photocopies, I was treated there like a joker, because they didnt got any information about this from Trichy branch and they were asking me 'what you want us to do with this document', and they simply received and kept it in their drawer, I dont know what happened to those document photocopies till date. When I told this to Mr.Ponnian today, he is telling that "now only you are telling me this, I will mail to Marathahalli branch and check the status of those documents tomorrow and update you"

Tomorrow I am going to take the builder to show the original land documents and plan approval in your Marathahalli branch of Bangalore, atleast for this I need proper guidance from your side like whom to meet and when to meet, this is very very crucial for me as the builder will not be available in Bangalore for a longer time. Please note that I cannot waste the builder's time, flat owner's time and my time tomorrow, if they say they didnt got any information from Trichy branch regarding this and if they send us back.

Thanks & Regards,

Ramasamy Subramanian

Dear Friend,

I would like to make you alert on few details regarding HDFC and other limited companies.

HDFC LTD is a limited company and is not a banking institute.
It is a self regulated financial organization and is not at all regulated as a refinancing institute or is not a Banking institute. Sales officers makes people fool by stating HDFC Home loan as part of banking division. Even interest rates charged by HDFC is very high which is increased in subsequent years.

As such rates of interests for home loan are definitely regulated by RBI but limited and private companies do not fall under their per-view. These companies fall under company Act and not under Banking Act.

At time of taking loan these companies promises low rates of interest and then increases rates of interest in subsequent years, which increases your burden of repayment in form of slow poison eating your lots of money.

I will share my personal experience:

I have a very bad experience with HDFC, My loan of 11 lac with tenure was only 20 years and was promised with 3% discounted rates for my loan account as the company with which I was working was a corporate client of HDFC, so my loan started at 7.25% rate of interest and a low EMI of 8595/- Rs only.

In later stages HDFC revised rates of interest stating that my loan is on floating rates, where as no discounted rates are applied to my account. More on no reduction in rates are done at all even when rates of interest of other banks and institutes fall down. Even when they offer low interest rates to new customers – on my inquiry they asked for a proceeding fees of almost 12 thousand rupees to revise the rates of interest.
My EMI is also revised to 10, 526/- Rs and the tenure is now increased. Today even after paying EMI for more then 6 years my tenure of repayment is more then 18 years and EMI is increased from 8695/- Rs per month to 10526/- Rs per month. So I will end up paying money to HDFC for more then 24 years.

So I will end up paying four additional years with new EMI to HDFC which will make me a loss of almost 10-12 lac rupees.

HDFC is offering new customer 8.25 rates of interest where as even when I am a old customer with corporate tie up with the company – I am charged almost 11% rates of interest and I am screwed up by paying more EMI.

I have started legal proceedings against HDFC – and warn you all that dont take loan from HDFC other wise your people will also end up in soup and will have to pay huge for small things.

REQUEST YOU ALL TO TAKE LOANS ONLY FROM BANKING INSTITUTES AND NOT FROM ANY LTD COMPANY--
Ask following questions at time of taking loan.

1.Is the company having word “Bank” in its name.
2.If the company is refinancing company - take in written that – rates of interest in the company will be regulated as per RBI norms.
3.Only those people whose files are not getting approved from banks and documents are not clear enough and are in need of loan should opt for such institutes, but mind it these ltd companies slowly increases rates of interest and eats away your lots of money charging high rates of interest.

PLEASE NOTE – HDFC is a limited company and not a BANK. Only banking institutes or company with word “Bank” in its name are regulated by RBI.
Before signing any document of ltd company please read the terms and conditions completely and take a lawyers advise if needed before going ahead to sign the same.

Please disseminate this information to all your friends and relatives so that they are not cheated by any private company in case of loans / home loans.

In public interest by:
Pankaj Kakani