The Credit Manager,
H. D. F. C. Bank Ltd.
L & P Department,
Shivalik - 3, Ahmedabad.

Dear Sir,

Sub. : Refund of Processing Fees.

This has in reference to the above, I like to inform you that Mr. Chirag from Ms/ Suvidha Financial Services has visited to my office before 3 Months and given assurance me that he will extend my current over draft facility of Rs. 13.5 Laces by more Rs. 10 Laces and after 15 days I have given him all the required documents pertaining to my property and my income for the process the file except the cheque of processing fees because I was not convinced weather It was possible or not and I have very clearly inform him that I will give the same after your proper working on my file .

After 1 month he came with the commitment that he has gone through all the document and after working on the document he made commitment that I am elegible for more Rs. 10 Lacs over draft and requested to sign the application form and also for the cheque of Rs. 5515/- towards the processing fees and Making trust on him I have given a Cheque No. 031956 dt. 16/12/2011 of Rs.5515/- towards the processing fees.

After 15 days he again came to my office and informed me that I am eligible only for Rs. 3.60 Lacs more and the total Over Draft limit will be Rs. 1708000/- and for that bank will charge the processing fees is Rs. 8273/-.

I also like inform you that after increase of the over draft to Rs. 1708000/- for the tenor of 10 years it is mentioned in your sanction letter dated 03/01/2012 that the above limit will be dropped by Rs. 26848/- per month. I am very sorry to mention, if Rs. 26848/- will be dropped every month then the over draft limit will be closed within 64 month.

I am sorry but the above reasons are anough to consider that the bank is doing froud with me but as an aware customer it is never possible with me and now I like to inform you that I do not have any intrest to take further over draft from your bank and request to please refund the Rs. 5515/- which you have taken as a processing fees immediately otherwise I will not have any other option but to write to RBI under the banking ombudsman scheme – 2006.

Thanking You,

Yours Faith Fully,


(Aarti Agrawal)