HDFC Bank — cheque update for personal loan ecs

స

సుందరయ్య గురిందగుంట

from Bengaluru, Karnataka

Jul 10, 2020

Address: Bangalore

Hi, this is sundaraiah g, had a personal loan with hdfc. And my loan account number is 60087960. During my application procedure, initially i had given the cheques 754659 and 754660 with the wrong signatures on 06-aug-2018. After i realized, clearly told the executive (Uma nair, bangalore) to tear them and sent other two cheques 754672 and 754673 on 14-aug-2018. I don’t know what she did with the new cheques but it looks she sent the initial cheques for the further processing which were with wrong signatures. I realized this after cheque is returned from the bank during repayment (Cheque returned charges are extra/loss for me). So, i request you to tell me the way to solve this problem. Since i am out-of-station, i couldn’t go to the bank personally. And also, i didn’t get any call from hdfc regarding the cheque return. Is it the policy or what? The day i had to repay the instalment, money was deducted from my account, but i come to know the cheque return after i went through my account after two days.

The above mail was sent on 8-oct-2018 to the people who were invloved in my personal loan approval.in the first place there was no response from them who did lot of noise during the loan aplication process. I have complained the same to their customer support but what i got from them is to go to bank and solve my issue myself though i was keep on telling as i was already submitted the valid cheques. I called them from phone for so many times but still the response was same. This is ridiculous behaviour from employees and from bank too. And instead they are charging from me for cheque bounces and so. Why those people don't go through my file once though i keep on telling. So, i request you to take the action against hdfc and direct them to do the needful.

Was this information helpful?

No (0)

Yes (0)

HDFC Bank customer support has been notified about the posted complaint.

Sep 03, 2020

Updated by సుందరయ్య గురిందగుంట Hi,
I have asked them to refer my file to get the new cheque for ECS. But even without reading my complaint they are answering the same, go to branch to solve the issue.

*****The following is the message from them after my mail************
>>>>>>>>>>>My Message
Hi,
I have a personal loan with HDFC with number 60087960. My issue here is HDFC is charging/fining me for cheque bounce. But the thing here is I have submitted the cheques a long back even before the loan got approved. I have informed them so many times to check my loan file and replace the cheque with the proper one, but there was no use. I have informed the executives who involved in my loan process, but even from them also there was no use. I have raised the tickets in the help desk, and here too it was not done instead I was getting auto-generated mails.
As my last EMI is in the next month (September 2020), I wanted to bring this issue to end so I have complained the same to the consumer forum.

Regards
Sundaraiah G
*************
>>>>>>>>>HDFC Reply
Dear Customer,

This is with reference to your e-mail dated August 27, 2020 received at our Grievance Redressal Cell requesting for charges waiver of your Personal loan account no.XXX 7960.

We wish to inform you that, due to ECS mandate not processed your banker has rejected the EMI from 06/11/2018 to 06/08/2020 with reason refer to drawer and insufficient funds respectively.

You are requested to visit our Old airport road branch address below mentioned along with valid id proof for further discussion on your overdue charges waiver and closure of the loan.

HDFC BANK Ltd,
3 rd Floor, Golder Towers, B wing Kodihalli, Old Airport Road Bangalore-560017
Karnataka India

You are requested to contact our bank official Mr. Ajith C. on [protected] for further discussion of overdue charges waiver with settlement of the above loan.

In line with our focus and commitment to Customer Service, we trust the issue has been resolved to your satisfaction. If you are not satisfied with the resolution, you may write to our Grievance Redressal Officer

Ms. Punam Umesh Naik at HDFC Bank Ltd.,
2nd Floor, Zenith House, Mahalaxmi,
Mumbai 400034 or E-mail at grievance.[protected]@hdfcbank.com .

Alternatively, you can call our grievance cell at Toll Free:[protected].

Thanking you in anticipation of your understanding and cooperation in the matter.

(Deepa Das)
Customer Service Desk
Retail Assets Operations

********************
In the above reply, HDFC didn't mention what happened to my cheques but instead they are insisting me to go bank to solve my problem.

I have mails of the same issue those communicated with the other executives of HDFC during my loan initial tenture. I will submit the same whnver it is necessary.
Regards
Sundaraiah G