[Resolved]  HDFC Bank — Not getting settlement letter from last two years

Address: Gurgaon, Haryana, 122001

Hi team,

I have made payment for settlement to hdfc bank person on 28 feb 2015 for 7000 to settle down the card and surrender the card.

But still I have not got settlement letter from them.

I am getting below mails on very frequently basis.

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[protected]WC_22422911

Dear Cardholder,

Ref; YOUR HDFC Bank Card No. 485499XXXXXX3675

Current Balance Rs .13734.31

Your continued failure/refusal to clear the outstanding amount on your above credit card has constrained us to consider legal action against you for the recovery of dues owed to us.

In the event that you fail to respond to this notice, appropriate legal action will be initiated against you for the recovery of the due amount. The amount outstanding as due and payable by you on the card account as of this day stands at Rs.13734.31/- .

You may please take note of the fact that interest and other charges at contractual rates will continually accrue on your card account till the date of liquidation of the dues.

To avoid initiation of legal action for the recovery of outstanding dues and the ensuing consequences, please contact us within 15 days from the date of this letter with a payment of Rs.13734.31.

Please note that as already informed through Card Member Agreement and further communication, your conduct of the card has been shared with other banks, institutions, Credit Information Companies and Statutory bodies. Please be informed that your account has also been assigned to our external associates for liaising with you for payment of dues. Please refer to the annexure enclosed herewith.

GOLDEN ENTERPRISES
BXXVI-201, ABOVE AMAR SWEETS,
CABIN NO.102, KOCHHAR MARKET,
LUDHIANA - 141002
Phone No: [protected]

If you have already made a payment or settled as per the schedule of the settlement letter issued by the bank, please disregard this letter and accept our apologies for the inconvenience caused.

Officer – Retail Portfolio Management
This is a computer generated reminder and does not require a signature.

For any queries you may log on to our Bank website :

http://www.hdfcbank.com/personal/customer-centre?src=hp_top_nav

OR in the alternate, you may call us at our Phone Banking numbers :

Ahmedabhad/Bengaluru/Chennai/Delhi & NCR/Hyderabad/Kolkata/Mumbai/Pune – 61606161

Chandigarh/Cochin/Indore/Jaipur/Lucknow – 6160616

Annexure

The Bank has in place a model policy on collections of dues and repossession of security that is available on the Bank’s website (www.hdfcbank.com). An extract from the policy is given below for your ready reference.

Collection of Dues
Whenever we give loans, we will explain to you the repayment process by way of amount tenure and periodicity of repayment. However, if you do not adhere to repayment schedule, a defined process in accordance with the laws of the land will be followed for recovery of dues. The process will involve reminding you by sending you notice or by making personal visits and/or repossession of security if any.
Our collection policy is built on courtesy, fair treatment and persuasion. We believe in fostering customer confidence and long-term relationship. Our staff or any person authorized to represent us in collection of dues or/and security repossession will identify himself/herself and display the authority letter issued by us and upon request display(ing) to you his/her identity card issued by the bank or under authority of the bank. We will provide you with all the information regarding dues and will endeavor to give sufficient notice for payment of dues.
All the members of the staff or any person authorized to represent our bank in collection or/and security repossession would follow the guidelines set out below:
a. You would be contacted ordinarily at the place of your choice and in the absence of any specified place at the place of your residence and i[censored]navailable at your residence, at the place of business/occupation.
b. Identity and authority to represent would be made known to you at the first instance.
c. Your privacy would be respected.
d. Interaction with you would be in a civil manner
e. Normally our representatives will contact you between 07:00 hours and 19:00 hours, unless the special circumstances of your businessor occupation require otherwise.
f. Your requests to avoid calls at a particular time or at a particular place would be honored as far as possible.
g. Time and number of calls and contents of conversation would be documented.
h. All assistance would be given to resolve disputes or differences regarding dues in a mutually acceptable and in an orderly manner.
i. During visits to your place for dues collection, decency and decorum would be maintained.
j. Inappropriate occasions such as bereavement in the family or such other calamitous occasions would be avoided for making calls/visits to collect dues.

If at any time you observe that either our staff or outsourced agencies have violated any of the above provisions, please feel free to contact our toll-free help line which is[protected] from your city.

You may also feel free to write to our Collections Code Compliance Officers mentioned below in case your grievances have not been addressed by the above help line :

Name : Mr. Debjyoti Datta
Contact Number :[protected]
Email ID : [protected]@hdfcbank.com

We also wish to inform you that in case you do not get satisfactory response from us after contacting the above channels, please feel free to approach
the office of Banking Ombudsman in your respective city.

We also wish to inform you that in case you do not get satisfactory response from us after contacting the above channels, please feel free to approach
the office of Banking Ombudsman in your respective city.
Ahmedabad: C/o Reserve Bank of India, La Gajjar Chambers, Ashram Road, Ahmedabad-380 009
Bangalore: C/o Reserve Bank of India, 10/3/8, Nrupathunga Road, Bangalore-560 001
Bhopal: C/o Reserve Bank of India, Hoshangabad Road, Post Box No.32, Bhopal-462 011
Bhubaneswar: C/o Reserve Bank of India, Pt. Jawaharlal Nehru Marg, Bhubaneswar-751 001
Chandigarh: C/o Reserve Bank of India, New Office Building, Sector-17, Central Vista, Chandigarh-160 017
Chennai: C/o Reserve Bank of India, Fort Glacis, Chennai 600 001
Guwahati: C/o Reserve Bank of India, Station Road, Pan Bazar, Guwahati-781 001
Hyderabad: C/o Reserve Bank of India, 6-1-56, Secretariat Road, Saifabad, Hyderabad-500 004
Jaipur: C/o Reserve Bank of India, Ram Bagh Circle, Tonk Road, Post Box No.12, Jaipur-302 004
Kanpur: C/o Reserve Bank of India, M.G. Road, Post Box No.82, Kanpur-208 001
Kolkata: C/o Reserve Bank of India, 15, Nethaji Subhas Road, Kolkata-700 001
Mumbai: C/o Reserve Bank of India, Garment House, Ground Floor, Dr. Annie Besant Road, Worli, Mumbai-400 018
New Delhi: C/o Reserve Bank of India, Sansad Marg, New Delhi
Patna: C/o Reserve Bank of India, Patna-800 001
Thiruvananthapuram: C/o Reserve Bank of India, Bakery Junction, Thiruvananthapuram-695 033

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Please rectify as bank is just acting like a big boss in this case

Thanks
Vipan