HDFC Bank — Unruly behaviour by collection agent

Address: Chennai, Tamil Nadu

Dear Sir, I had availed an auto loan from HDFC in 2012. The payments were going smoothly till January 2013 when I lost my job. Despite this massive setback, I have always paid my EMI + Penalty till now without missing a single month. It however takes me a lot of time for instance 30th or 31st as it has been in the last two months. Delayed but never missed. During this time I have interacted with several agents. One in particular has been outright abusive, used unparlimentary words, made threats, heckled and made insults. This behaviour by Mr. Kamal (HDFC agent in Chennai), has not been restricted just to me but also to the women in the household. This harassment is totally uncalled for. How I arrange to pay is my business and I don't need Mr. Kamal's ridicule and sarcastic comments. If I had missed 3 or 4 payments, perhaps you can defend to an extent but I havent missed any! I haven't made my payment yet for this month however I will make it on or before Saturday (31st May 2014). Besides this is an auto loan, you have collateral. The institution that gave me a PL are 100% polite and even empathetic to my situation. They have no collateral! I recorded the last interaction that I had with Mr. Kamal last week. I specifically purchased a phone that would allow me to do that. He slammed the phone down as soon as he heard the word "recording". I believe it is enough to go with a full suit against HDFC bank for harassment however I have banked with HDFC for over 8 years. I have availed 2 PLs and a credit card, all of which I paid back in full. I do not wish to proceed legally as of now. However I do not want to be subjected to the treatment meted out to me by Mr. Kamal or any others. Loan account: 18827510. Regards Prathap Samuel P