[Resolved]  HDFC Bank — Harassing old mother by collection agents using abusive language

Address: Bangalore, Karnataka

Dear HDFC Credit card department,

HDFC collection agent calling from[protected] number harassing my old mother over phone using abusive language. When my mother did not attend the call, same lady is calling other person homes in the village and asking them connect to my mother and saying her son did not paid the credit card payment.

Even though my brother is in continues contact with same lady. Due to the harassment my mother got low Blood pressure and admitted to Hospital on 16-May-2017.

This fight with HDFC is going for long time. At first different collection agent agreed for the settlement. when my brother when to the location, they backed off and current agent started calling and asking for full payment.
My brother just came out of hospital and informed me about my mother health.

I completely did not understand this kind behaviour. even though we are ready to pay, every time you are saying different amounts and different agents will speak.

I going to Police station to fie the FIR in Ponnur, Guntur police station.

I hope HDFC resolve this immediately.
I repeat I am ready for payment may be not onetime payment but at least two terms.
I want to clearly mention if any collection agents call my mother except the contact number given, I will not make this payment and will proceed with legal proceedings.

RBI Rules:
(iii) Fair Practices in debt collection

(a) In the matter of recovery of dues, banks / NBFCs may ensure that they, as also their agents, adhere to the extant instructions on Fair Practice Code for lenders (circular DBOD. Leg. No. BC. 104 /09.07.007 / 2002–03 dated May 5, 2003) as also IBA’s Code for Collection of dues and repossession of security. In case banks / NBFCs have their own code for collection of dues it should, at the minimum, incorporate all the terms of IBA's Code.

(b) In particular, in regard to appointment of third party agencies for debt collection, it is essential that such agents refrain from action that could damage the integrity and reputation of the bank / NBFC and that they observe strict customer confidentiality. All letters issued by recovery agents must contain the name and address of a responsible senior officer of the card issuing bank whom the customer can contact at his location.

(c) Banks / NBFCs / their agents should not resort to intimidation or harassment of any kind, either verbal or physical, against any person in their debt collection efforts, including acts intended to humiliate publicly or intrude the privacy of the credit card holders’ family members, referees and friends, making threatening and anonymous calls or making false and misleading representations.

My Contact number ':[protected]
Tagore