Hi People,
I just need a suggestion on an interesting case, i had an HDFC credit card in 2006 with a limit of 10,000 INR which i used and could not pay back due to loss of a job and then i got a job in Europe so i was out of the country. Now i returned this year early and i started to get calls from the 3rd party vendor and they started harassing me by saying that my amount is 60,000 INR and i need to pay back. When i refused and told them i can pay actual amount of 10,000 INR then they started talking in a rude and unhealthy way. When i hung up they started calling my home and started talking to my sister and my brother's wife about the same. Not only this they also started calling my employer and start discussing my loans with my Manager and colleagues.
I believe under any circumstances they cannot do this.
Can any one help me, how can i solve this?

Originally Posted by amerghauri

Hi People,
I just need a suggestion on an interesting case, i had an HDFC credit card in 2006 with a limit of 10,000 INR which i used and could not pay back due to loss of a job and then i got a job in Europe so i was out of the country. Now i returned this year early and i started to get calls from the 3rd party vendor and they started harassing me by saying that my amount is 60,000 INR and i need to pay back. When i refused and told them i can pay actual amount of 10,000 INR then they started talking in a rude and unhealthy way. When i hung up they started calling my home and started talking to my sister and my brother's wife about the same. Not only this they also started calling my employer and start discussing my loans with my Manager and colleagues.
I believe under any circumstances they cannot do this.
Can any one help me, how can i solve this?

Dear customer,

Please accept our apology for the behavior of our representatives and for any distress they may have caused you and your family. We would like to work with you in the issue of your dues and request you to write to talktous@hdfcbank.com with your credit card number, contact details and the reference id TTU00119421102010. A bank representative shall contact you once we receive this information.

Regards, Customer Assistance, HDFC Bank

Dear Bank,
The bank executive called me and promise me that she will stop that person from Third party collection agency from calling me, my family and my office. She also mentioned that the manager will get in touch me to settle the account as i am ready for the same. However that third part person again called yesterday first to my office, when she found out im on an off then she called my home and misbehaved with my brothers wife and then finally i spoke to her but again she was rude i have mailed to the bank already with the code given by you complaining again. She has already done the maximum damage, which was possible. Now i have the only option to barred her number in my office, my home and my cell phone, which is not a difficult task, however it will not settle the account. So this is my last and final request that bank should ask her to stop contacting me, and some bank person should get in touch with me directly and settle the account in the coming week.
Thanks
Amer Ghauri

Originally Posted by amerghauri

Hi People,
I just need a suggestion on an interesting case, i had an HDFC credit card in 2006 with a limit of 10,000 INR which i used and could not pay back due to loss of a job and then i got a job in Europe so i was out of the country. Now i returned this year early and i started to get calls from the 3rd party vendor and they started harassing me by saying that my amount is 60,000 INR and i need to pay back. When i refused and told them i can pay actual amount of 10,000 INR then they started talking in a rude and unhealthy way. When i hung up they started calling my home and started talking to my sister and my brother's wife about the same. Not only this they also started calling my employer and start discussing my loans with my Manager and colleagues.
I believe under any circumstances they cannot do this.
Can any one help me, how can i solve this?

Dear customer,

Just a reminder that we have still not heard from you. We request you to write to talktous@hdfcbank.com with your credit card number, contact details and the reference id TTU00119421102010.

Regards, Customer Assistance, HDFC Bank

Dear Bank,
I think, the kind of people working in the bank or taking care of this particular case are not aware of their job, or they are not doing their work properly, i have already written to the bank twice and also got reply from the bank which includes the reply of the assistant vice president: Rajeswari Jayasekar.
However, i am upset to tell this that the problem has not been taken care of as i got a call again from the 3rd party today asking about the same, despite me telling her that i am in direct touch with the bank.
Kindly go through the emails summary between the bank(including executive and AVP) and me:
My first mail to bank on 21/10/2010 on the address provided by you....

fromAmer Ghauri <amerghauri@gmail.com>
totalktous@hdfcbank.com

[COLOR="Blue"]dateThu, Oct 21, 2010 at 2:46 AM
subject3rd party harassing
mailed-bygmail.com

hide details Oct 21 (9 days ago)

Dear concerned person,
I had a card with HDFC in 2006, which is not with me any more therefore i dont even have the details of the same, however yesterday i got a call from the 3rd party person, who informed me that i own 60,000 INR. The actual limit was 10,000 plus the interest. And when i informed her that i cannot pay the entire amount then she started to harass me by calling my home and discussing my loans with my sister and my brothers wife, which is not right under any circumstance. Not only this but she also discussed with my employer and senior managers and colleagues.
Though i agreed to pay but because the dispute was on the amount she did it, i will go to consumer forum to any level i can be it legal or illegal.
Kindly suggest me if this can be taken care by the bank directly, particularly stopping the 3rd party to contact my employer??
Awaiting reply
Amer Ghauri
8861085750

Now below is the reply from the bank:
fromTalktous <Talktous@hdfcbank.com>
toAmer Ghauri <amerghauri@gmail.com>

dateThu, Oct 21, 2010 at 3:09 AM
subject<AUTO> 'HBL=010-460-951' 3rd party harassing
mailed-byhdfcbank.com
signed-byhdfcbank.com

hide details Oct 21 (9 days ago)

Dear Customer,
This is a system-generated response to acknowledge receipt of your e-mail. The subject line contains the reference number allotted to your e-mail. This interaction is being tracked through the above reference number and we request you not to change the subject line in future correspondence. Your feedback is important to us and we are committed to provide a satisfactory resolution. Our Customer Service Executives will respond within two working days. In case your query requires further investigation and takes a longer time, we will keep you informed on the time required for resolution

Now after this reply i got a call from a the bank where Miss Ramaya called and apologized and also promised that she would immediately stop 3rd party calling and ask her manager to involve to close and settle the account.
But the bank failed to do as promised so i wrote to the bank again on the 24th of October informing the number of the 3rd party:

fromAmer Ghauri <amerghauri@gmail.com>
totalktous@hdfcbank.com

dateSun, Oct 24, 2010 at 9:45 PM
subjectTTU00119421102010
mailed-bygmail.com

hide details Oct 24 (5 days ago)

Dear Ramya,
As per our conversation over the phone, you promised me that woman will not contact me again, however this has happened again and she called my work when she found out i was not there, she called my home and misbehaved again with my brothers wife and me, and despite trying to explain her more than 3-4 times that i am in touch with the bank she cant understand anything. One of the most illiterate and uncivilized person i have ever come across in my entire life. Not because she misbehaved thats her job and she is doing it fine but by not understanding and listening to what i tell her. Anyway kindly see to it as it will create a problem for both of us because she has done all the damage already now the only option i have to get her number barred on all my phones which is not a difficult task. The result would be that you will not get the money neither she will get the money. And moreover the account would not get settle, so i request you to kindly stop her from calling me or my work place and get your manager or a right person with whom the account can get settle.
Hope to hear soon from you.
The phone number from which she keeps calling is: +91-11-43088203
Her name (told by her): Rashmi
Thanks
Amer Ghauri

Now after this the Bank replied:


fromTalktous <Talktous@hdfcbank.com>
toAmer Ghauri <amerghauri@gmail.com>

dateMon, Oct 25, 2010 at 10:20 AM
subjectRE:'HBL=010-482-687' TTU00119421102010
mailed-byhdfcbank.com
signed-byhdfcbank.com

hide details Oct 25 (5 days ago)

Dear Mr. Ghauri,
We thank you for writing to us.
We have received your e-mail dated October 24, 2010 regarding Collection Calls.
We request you provide the details for which product Ms. Rashmi is contacting you and account number for the same.
Assuring you of our best services at all times.

Warm Regards,
Manoj Visai
Talktous
HDFC Bank Ltd.

Then i got a mail from senior management below :


fromSenior Management <PriorityRedressal.CreditCards@hdfcbank.com>
toAmer Ghauri <amerghauri@gmail.com>

dateMon, Oct 25, 2010 at 7:18 PM
subjectRE:'HBL=010-460-951' 3rd party harassing
mailed-byhdfcbank.com
signed-byhdfcbank.com

hide details Oct 25 (4 days ago)

Dear Mr.Ghauri,
This is further to your recent e-mail dated October 21, 2010 and subsequent conversation with our bank officer Ms.Ramya Sivaram regarding your HDFC Bank credit card account.

On receipt of your email, we had once again taken a detailed review and wish to share the below details for your reference.

Card status and payment : We observe that you had utilised your credit card for transactions / purchases. However, specific to repayments we were in receipt of either partial payments or no payments towards the card dues since card inception, thereby leading to levy of applicable bank charges. Subsequently, the credit card was also invalidated from usage on 14/10/2006.

Payment followup calls: As you may be aware, the outstanding on the card account becomes immediately payable to the Bank on invalidation. Owing to the same, our bank representatived had initiated payment follow-up efforts through calls to communicate the outstanding liability and facilitate payment towards the same.

We understand that our Bank officer, Ms. Ramya Sivaram was in touch with you to personally address your concerns raised in this regard. We assure you that your specific feedback has been shared with the concerned for an appropriate review. Having explained the same, we regret any inconvenience caused to you.

We confirm that there is an outstanding of Rs. 21,437.25 payable on your card account as on date. We request you to contact our bank representatives at:011 - 43161511 / 43161513 or write to us at: customerservices.cards@hdfcbank.com for any further clarification or to arrive at an amicable resolution.
Assuring you of our best attention at all times.

Regards,


Rajeswari Jayasekar
Asst. Vice President
Service Quality – Credit Cards

Now after this email i have also written to the address given by the vice president below is my mail again:

fromAmer Ghauri <amerghauri@gmail.com>
tocustomerservices.cards@hdfcbank.com

dateWed, Oct 27, 2010 at 12:42 AM
subject3rd party harassing
mailed-bygmail.com

hide details Oct 27 (3 days ago)

Dear Concerned person,
I have an issue with the bank, discussing my loans with the 3rd party. Firstly i would like to share the link, where in i have raised a complaint against the bank because of sharing my loans which is not allowed legally under any circumstances.
Kindly refer to the link to understand the situation in a better way: Creditcard/HDFC
Finally i did not receive any call from the 3rd party since monday and i would like to thank you for the same.
Now the bank vice president has given me the details which also i would like to share below:


And since the 27/10/10 i have not heard any thing from the bank not through phone or through email, moreover i am surprised that the same executive from 3rd party called me again saying that bank cant do anything and i have to settle this with her only.

Now kindly let me know what to do ? or shall i go to the police for harassing me?? or walk to consumer forum bangalore to complaints against the bank??

I request the bank once again to look into this and stop the calls from 3rd party please.
Thanks
Amer Ghauri

Dear sir/Madam,
a transaction of rupees 6,999 was made from my card no 4645xxxxxxxx4672 on dated 26th december 2011 without my prior knowledge and consent
I complaint regarding transaction of rupee 6999 which is transfer by cache mercantile. This company executive fraud with me and I informed to hdfc credit card customer care executive before 38 days and I send a mail to their graviss department I got call from them but my money DID not credit to my account till the time. I have doubt bank also meet with this fraud company. So I request to you please take some serious action against both because we are working day and night to earn this amount.
Before this time I already complaint and I mention complaint below

anuj kumar
26th dec. 2011

the credit card no.4645xxxxxxxx4672 is being used by me since long. On 26 december 2011 I got call from numbers +911409560031 claiming to call from hdfc card & they called me by my name.
He offered me new card named as diners plus card as a complimentary card to my hdfc card and informd me about the subsequent facilities e.G. 25% discount on purchases by the use of card etc.
He told me the various benefits of the card being offered & said there would be no charges for the same. And the facility will be provided absolutely free of cost. Hence I consented for his proposal. And again I confirmed him about charges and told him to view this facility subject to levying no charges. Then he enquired about my credit card details. I provided him the same.
After few minutes I received on my mobile that "transaction of rs.6999.00 made on hdfc credit card xx4672 at cache mercantile pvt ltd on 26 dec 11"
on receipts of this message I immediately contacted hdfc card and told him my problems & blocked my card. As well as I also spoke to customer care executive he told to me our representative will contact you within 2 working days."
I, therefore, request you to take necessary action against ivrcache mercantile pvt ltd.


Regrds
Anuj Kumar
9999772550

these are comman tantrums and pressure tactics of banks.
if you need professional advise and outlook into this matter call us at:
09245201687

you can also write to: alliedlawd@yahoo.com

alliedlawteam, india

Originally Posted by anuj_genious2005

Dear sir/Madam,
a transaction of rupees 6,999 was made from my card no 4645xxxxxxxx4672 on dated 26th december 2011 without my prior knowledge and consent
I complaint regarding transaction of rupee 6999 which is transfer by cache mercantile. This company executive fraud with me and I informed to hdfc credit card customer care executive before 38 days and I send a mail to their graviss department I got call from them but my money DID not credit to my account till the time. I have doubt bank also meet with this fraud company. So I request to you please take some serious action against both because we are working day and night to earn this amount.
Before this time I already complaint and I mention complaint below

anuj kumar
26th dec. 2011

the credit card no.4645xxxxxxxx4672 is being used by me since long. On 26 december 2011 I got call from numbers +911409560031 claiming to call from hdfc card & they called me by my name.
He offered me new card named as diners plus card as a complimentary card to my hdfc card and informd me about the subsequent facilities e.G. 25% discount on purchases by the use of card etc.
He told me the various benefits of the card being offered & said there would be no charges for the same. And the facility will be provided absolutely free of cost. Hence I consented for his proposal. And again I confirmed him about charges and told him to view this facility subject to levying no charges. Then he enquired about my credit card details. I provided him the same.
After few minutes I received on my mobile that "transaction of rs.6999.00 made on hdfc credit card xx4672 at cache mercantile pvt ltd on 26 dec 11"
on receipts of this message I immediately contacted hdfc card and told him my problems & blocked my card. As well as I also spoke to customer care executive he told to me our representative will contact you within 2 working days."
I, therefore, request you to take necessary action against ivrcache mercantile pvt ltd.


Regrds
Anuj Kumar
9999772550