please guide me in this case.

I have taken loan from hdfc bank but due to frequent job loss, i discontinued payment.
i wish to pay 56,000/- which is due.

some day before , i received call from some person who said i am speaking from sec - 18 police station, noida and i hv complaint against you regarding non-payment of loan.

when i asked his office address so that i can visit him once to discuss matter, he replied that he is out of station. and i should contact some mr amit. from ito branch of hdfc.

that person also sent me fake legal notice on my mail.

he is saying on phone that 56000 payment will close the case and in notice saying some other amount.

it is high time that i am felling harrassed by these unidentified person and they and their respective organization will be responsible for any mishappenning to me due to mental agony i m going thru.

please find mails below of last year and guide me.

Flag this message
Re: Fw: RE:'HBL=007-564-402' Complaint/Feedback for - Personal Loan NET.CS.Hpg
Thursday, July 23, 2009 7:43 AM
From:
"ravish chandra" <ravish75@yahoo.com>
View contact details
To:
loansupport@hdfcbank.com
As said earlier, get the settlement letter issued to me on urgent basis as I want to close my loan a/c after making payment due.

--- On Wed, 7/22/09, ravish chandra <ravish75@yahoo.com> wrote:

From: ravish chandra <ravish75@yahoo.com>
Subject: Fw: RE:'HBL=007-564-402' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: loansupport@hdfcbank.com
Date: Wednesday, July 22, 2009, 12:08 PM
Hello Team,

I have contacted Ms. Charu as mentioned in your mail.

She told me to contact below mentioned person ( against whom I am complaining thru below mail) who is denying to provide original letter to me .

What's the use of contacting same person who is creating problem for me again and again.

Is there no higher authority above him in HDFC bank who can resolve my issue.?????????????

His UNAUTHORISED person is daily calling me and repeating same thing as mentioned in below mail.

It's complete case of harrassment from your BANK'S side uselessly.

I REQUEST you to resolve my issue thru higher authority.

RAVISH
9211736093



--- On Fri, 7/17/09, ravish chandra <ravish75@yahoo.com> wrote:

From: ravish chandra <ravish75@yahoo.com>
Subject: Fw: RE:'HBL=007-564-402' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: loansupport@hdfcbank.com
Date: Friday, July 17, 2009, 8:52 AM

Hello ,

Refer to my loan A/C # 1558254, I want to pay balance 56,000/- to bank.

Your collection team ( Manjeet Dahiya ( ACM as said to me), ITO Office, New Delhi has sent Mr. Vinod ( who has not shown his Id Card even after my demand during his first visit)with payment plan and settlement letter. When I demanded original letter of payment schedule, they said that letter will be handed over to me only if I will make payment to only Mr. Vinod.

I want to make payment directly to Bank ( your retail asset centre or any branch ) but they are harrassing me and saying repeatdly that payment has to made to Mr. Vinod only.

Also, letter xerox copy which he provided me after much request from my side doesn't contain name of authorised signatory, employee code, designation which should be there as told by your officials at Deer Park, New Delhi ( Retail Asset Centre).

They both are harassing me and calling me again & again for payment only to Vinod.

Also, About mode of payment, Vinod told me that payment should be made to him only and in cash. When I enquired, your officials told me that payment can be made by chq/draft also.

Also, he earlier said that payment can be made to him only but now your officials said that payment can be made at branch also.

They both are misleading me in above mentioned way. Manjeet Dahiya is threatening me that If I will not start making payment to them, he will not issue original letter to me.

Also, when I enquired Vinod after my visit to Deer Park office, he said that " I am saying you that it is Manjeet Dahiya's signature, so there is no need for any correction in the letter.".



Please get the letter issued at the earliest so that I can start with my payment and close the A/C.

Ravish Chandra
9211736093
Hello Team,

My loan A/C # 1558254.

Due to some unavoidable situation at homefront, I discontinued repayment of EMI.
Hello Team,

My loan A/C # 1558254.

Due to some unavoidable situation at homefront, I discontinued repayment of EMI.

---



On Sun, 7/12/09, Customer Service <customer_service@hdfcbank.com> wrote:

From: Customer Service <customer_service@hdfcbank.com>
Subject: RE:'HBL=007-564-402' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: "ravish chandra" <ravish75@yahoo.com>
Date: Sunday, July 12, 2009, 10:42 AM
Dear Mr. Chandra,

Thank you for writing to us.

We request you to visit any of the nearby Retail Asset Branch and contact our Collections Team for assistance.

The address of our Collections Branch is as follows:

9th Floor, Ansal Classique Tower, J - Block, Rajouri Garden, New Delhi - 110 027.

Thanking you in anticipation of your kind acceptance.

In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory guidelines, we are required to mention that you may approach the Banking Ombudsman (appointed by the Reserve Bank of India), in the event you are not satisfied with our handling of your complaint. Should you wish to exercise this option, please log on to HDFC Bank - Leading Bank in India, Banking Services, Private Banking, Personal Loan, Car Loan for details of the Banking Ombudsman Scheme - 2006, for further information on how to escalate complaints to the Banking Ombudsman.


Warm Regards,
Sandhya Nair
Customer Support
HDFC Bank Ltd.

"Click the following URL to access details of our PhoneBanking numbers:
http://www.hdfcbank.com/personal/customer_center/customer_center.htm"

"For faster resolution of your queries, kindly mention your Loan Account Number in all correspondence with us."
------------------------------------------------------------------------------------------------------------------------------------
Disclaimer :
The information contained herein (including any accompanying documents) is
confidential and is intended solely for the addressee(s). If you have
erroneously received this message, please immediately delete it and notify
the sender. Also, if you are not the intended recipient, you are
hereby notified that any disclosure, copying, distribution or taking any
action in reliance on the contents of this message or any
accompanying document is strictly prohibited and is unlawful. The
organization is not responsible for any damage caused by a virus or
alteration of the e-mail by a third party or otherwise . The contents of
this message may not necessarily represent the views or policies of
HDFC Bank Ltd.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013.



Dear Mr. Chandra,

Thank you for writing to us.

This is with reference to your e-mail regarding settlement of loan account.

We will be unable to dispatch the settlement offer to your mailing address.

We request you to visit our Retail Loan Service Centre - Delhi and collect the same personally.

The address of our office is provided hereunder:

HDFC BANK LTD.
2nd Floor,
Indian Express Building
Bahadur Shah Jafar Marg,
ITO, New Delhi 110001

In case you have any further queries, you may contact our Collections manager Mr. Ajay Teotia at 9350849252.

In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory guidelines, we are required to mention that you may approach the Banking Ombudsman (appointed by the Reserve Bank of India), in the event you are not satisfied with our handling of your complaint. Should you wish to exercise this option, please log on to HDFC Bank - Leading Bank in India, Banking Services, Private Banking, Personal Loan, Car Loan for details of the Banking Ombudsman Scheme - 2006, for further information on how to escalate complaints to the Banking Ombudsman.


Warm Regards,
Joshin Peter
Customer Support
HDFC Bank Ltd.

I am still expecting my settlement letter from your bank.

please get it couried to my address so that I can settle the loan.

I will not be responsible for delay from your side.

Ravish Chandra

--- On Mon, 9/7/09, ravish chandra <ravish75@yahoo.com> wrote:

From: ravish chandra <ravish75@yahoo.com>
Subject: RE:'HBL=007-564-402' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: "Customer Service" <customer_service@hdfcbank.com>
Date: Monday, September 7, 2009, 11:11 AM
It is humble request to your bank to courier me settlement offer letter ASAP otherwise it is not possible for me to make payment and close my a/c.

--- On Thu, 9/3/09, Customer Service <customer_service@hdfcbank.com> wrote:

From: Customer Service <customer_service@hdfcbank.com>
Subject: RE:'HBL=007-564-402' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: "ravish chandra" <ravish75@yahoo.com>
Date: Thursday, September 3, 2009, 12:30 PM
Dear Mr. Chandra,

Thank you for writing to us.

This is with reference to your e-mail regarding settlement of loan account.

We will be unable to dispatch the settlement offer to your mailing address.

We request you to visit our Retail Loan Service Centre - Delhi and collect the same personally.

The address of our office is provided hereunder:

HDFC BANK LTD.
2nd Floor,
Indian Express Building
Bahadur Shah Jafar Marg,
ITO, New Delhi 110001

In case you have any further queries, you may contact our Collections manager Mr. Ajay Teotia at 9350849252.

In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory guidelines, we are required to mention that you may approach the Banking Ombudsman (appointed by the Reserve Bank of India), in the event you are not satisfied with our handling of your complaint. Should you wish to exercise this option, please log on to HDFC Bank - Leading Bank in India, Banking Services, Private Banking, Personal Loan, Car Loan for details of the Banking Ombudsman Scheme - 2006, for further information on how to escalate complaints to the Banking Ombudsman.


Warm Regards,
Joshin Peter
Customer Support
HDFC Bank Ltd.

"Click the following URL to access details of our PhoneBanking numbers:
http://www.hdfcbank.com/personal/customer_center/customer_center.htm"

"For faster resolution of your queries, kindly mention your Vendor Code in all correspondence with us."
-----------------------------------------------------------------------------------
Disclaimer :
The information contained herein (including any accompanying documents) is
confidential and is intended solely for the addressee(s). If you have
erroneously received this message, please immediately delete it and notify
the sender. Also, if you are not the intended recipient, you are
hereby notified that any disclosure, copying, distribution or taking any
action in reliance on the contents of this message or any
accompanying document is strictly prohibited and is unlawful. The
organisation is not responsible for any damage caused by a virus or
alteration of the e-mail by a third party or otherwise . The contents of
this message may not necessarily represent the views or policies of
HDFC Bank Ltd.

Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013
Dear Mr. Chandra,

Thank you for writing to us.

This is with reference to your e-mail dated January 6, 2010 regarding Personal loan.

You are requested to contact our Collections Team at the nearest retail asset branch for further discussions in the matter. Kindly note that their decision will be binding on all concerned.

To find your nearest Retail Asset branch, please visit www.hdfcbank.com and select Retail Loan Service Centre' from the drop down menu under the banner 'Find your nearest'.

Thanking you in anticipation of your kind acceptance.


Warm Regards,
Naresh Bhalla,
Customer Support,
HDFC Bank Ltd.
IT'S VERY STRANGE FOR YOUR BANK THAT IS NOT INTERESTED IN GETTING PAYMENT AFTER DUE PROCESS.

UNTIL YOU PROVIDE ME SETTLEMENT OFFER LETTER, I CAN'T START PAYMENT.

THERE ARE MANY WAYS ( REGISTERED POST/COURIER/IN PERSON ( AS EARLIER YOUR AGENT WAS COMING TO ME).
SO IT IS YOUR RESPONSIBLITY TO PROVIDE ME THE LETTER.


RAVISH


--- On Mon, 8/10/09, ravish chandra <ravish75@yahoo.com> wrote:

From: ravish chandra <ravish75@yahoo.com>
Subject: RE:'HBL=007-564-402' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: "Customer Service" <customer_service@hdfcbank.com>
Date: Monday, August 10, 2009, 10:21 PM
UNTIL YOU PROVIDE ME SETTLEMENT OFFER LETTER, I CAN'T START PAYMENT.

THERE ARE MANY WAYS ( REGISTERED POST/COURIER/IN PERSON ( AS EARLIER YOUR AGENT WAS COMING TO ME).
SO IT IS YOUR RESPONSIBLITY TO PROVIDE ME THE LETTER.

RAVISH

--- On Mon, 8/10/09, Customer Service <customer_service@hdfcbank.com> wrote:

From: Customer Service <customer_service@hdfcbank.com>
Subject: RE:'HBL=007-564-402' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: "ravish chandra" <ravish75@yahoo.com>
Date: Monday, August 10, 2009, 10:04 AM
Dear Mr. Chandra,

Thank you for writing to us.

This is with reference to your e-mail regarding settlement of loan account.

We are unable to deliver the settlement offer letter to your mailing address.

We request you to visit our Retail Loan Service Centre - Delhi and collect the settlement offer personally.

The address of our office is provided hereunder:

HDFC BANK LTD.
2nd Floor,
Indian Express Building
Bahadur Shah Jafar Marg,
ITO, New Delhi 110001

In case you have any further queries, you may contact our Collections manager Mr. Ajay Teotia at 9350849252.

In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory guidelines, we are required to mention that you may approach the Banking Ombudsman (appointed by the Reserve Bank of India), in the event you are not satisfied with our handling of your complaint. Should you wish to exercise this option, please log on to HDFC Bank - Leading Bank in India, Banking Services, Private Banking, Personal Loan, Car Loan for details of the Banking Ombudsman Scheme - 2006, for further information on how to escalate complaints to the Banking Ombudsman.


Warm Regards,
Joshin Peter
Customer Support
HDFC Bank Ltd.

"Click the following URL to access details of our PhoneBanking numbers:
http://www.hdfcbank.com/personal/customer_center/customer_center.htm"

"For faster resolution of your queries, kindly mention your Vendor Code in all correspondence with us."
-----------------------------------------------------------------------------------
Disclaimer :
The information contained herein (including any accompanying documents) is
confidential and is intended solely for the addressee(s). If you have
erroneously received this message, please immediately delete it and notify
the sender. Also, if you are not the intended recipient, you are
hereby notified that any disclosure, copying, distribution or taking any
action in reliance on the contents of this message or any
accompanying document is strictly prohibited and is unlawful. The
organisation is not responsible for any damage caused by a virus or
alteration of the e-mail by a third party or otherwise . The contents of
this message may not necessarily represent the views or policies of
HDFC Bank Ltd.

Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013
As said earlier, get the settlement letter issued to me on urgent basis as I want to close my loan a/c after making payment due.

--- On Wed, 7/22/09, ravish chandra <ravish75@yahoo.com> wrote:

From: ravish chandra <ravish75@yahoo.com>
Subject: Fw: RE:'HBL=007-564-402' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: loansupport@hdfcbank.com
Date: Wednesday, July 22, 2009, 12:08 PM
Hello Team,

I have contacted Ms. Charu as mentioned in your mail.

She told me to contact below mentioned person ( against whom I am complaining thru below mail) who is denying to provide original letter to me .

What's the use of contacting same person who is creating problem for me again and again.

Is there no higher authority above him in HDFC bank who can resolve my issue.?????????????

His UNAUTHORISED person is daily calling me and repeating same thing as mentioned in below mail.

It's complete case of harrassment from your BANK'S side uselessly.

I REQUEST you to resolve my issue thru higher authority.

RAVISH
9211736093



--- On Fri, 7/17/09, ravish chandra <ravish75@yahoo.com> wrote:

From: ravish chandra <ravish75@yahoo.com>
Subject: Fw: RE:'HBL=007-564-402' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: loansupport@hdfcbank.com
Date: Friday, July 17, 2009, 8:52 AM

Hello ,

Refer to my loan A/C # 1558254, I want to pay balance 56,000/- to bank.

Your collection team ( Manjeet Dahiya ( ACM as said to me), ITO Office, New Delhi has sent Mr. Vinod ( who has not shown his Id Card even after my demand during his first visit)with payment plan and settlement letter. When I demanded original letter of payment schedule, they said that letter will be handed over to me only if I will make payment to only Mr. Vinod.

I want to make payment directly to Bank ( your retail asset centre or any branch ) but they are harrassing me and saying repeatdly that payment has to made to Mr. Vinod only.

Also, letter xerox copy which he provided me after much request from my side doesn't contain name of authorised signatory, employee code, designation which should be there as told by your officials at Deer Park, New Delhi ( Retail Asset Centre).

They both are harassing me and calling me again & again for payment only to Vinod.

Also, About mode of payment, Vinod told me that payment should be made to him only and in cash. When I enquired, your officials told me that payment can be made by chq/draft also.

Also, he earlier said that payment can be made to him only but now your officials said that payment can be made at branch also.

They both are misleading me in above mentioned way. Manjeet Dahiya is threatening me that If I will not start making payment to them, he will not issue original letter to me.

Also, when I enquired Vinod after my visit to Deer Park office, he said that " I am saying you that it is Manjeet Dahiya's signature, so there is no need for any correction in the letter.".



Please get the letter issued at the earliest so that I can start with my payment and close the A/C.

Ravish Chandra
9211736093
Hello Team,

My loan A/C # 1558254.

Due to some unavoidable situation at homefront, I discontinued repayment of EMI.
Hello Team,

My loan A/C # 1558254.

Due to some unavoidable situation at homefront, I discontinued repayment of EMI.

---



On Sun, 7/12/09, Customer Service <customer_service@hdfcbank.com> wrote:

From: Customer Service <customer_service@hdfcbank.com>
Subject: RE:'HBL=007-564-402' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: "ravish chandra" <ravish75@yahoo.com>
Date: Sunday, July 12, 2009, 10:42 AM
Dear Mr. Chandra,

Thank you for writing to us.

We request you to visit any of the nearby Retail Asset Branch and contact our Collections Team for assistance.

The address of our Collections Branch is as follows:

9th Floor, Ansal Classique Tower, J - Block, Rajouri Garden, New Delhi - 110 027.

Thanking you in anticipation of your kind acceptance.

In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory guidelines, we are required to mention that you may approach the Banking Ombudsman (appointed by the Reserve Bank of India), in the event you are not satisfied with our handling of your complaint. Should you wish to exercise this option, please log on to HDFC Bank - Leading Bank in India, Banking Services, Private Banking, Personal Loan, Car Loan for details of the Banking Ombudsman Scheme - 2006, for further information on how to escalate complaints to the Banking Ombudsman.


Warm Regards,
Sandhya Nair
Customer Support
HDFC Bank Ltd.

"Click the following URL to access details of our PhoneBanking numbers:
http://www.hdfcbank.com/personal/customer_center/customer_center.htm"

"For faster resolution of your queries, kindly mention your Loan Account Number in all correspondence with us."
------------------------------------------------------------------------------------------------------------------------------------
Disclaimer :
The information contained herein (including any accompanying documents) is
confidential and is intended solely for the addressee(s). If you have
erroneously received this message, please immediately delete it and notify
the sender. Also, if you are not the intended recipient, you are
hereby notified that any disclosure, copying, distribution or taking any
action in reliance on the contents of this message or any
accompanying document is strictly prohibited and is unlawful. The
organization is not responsible for any damage caused by a virus or
alteration of the e-mail by a third party or otherwise . The contents of
this message may not necessarily represent the views or policies of
HDFC Bank Ltd.
Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013.


Flag this message
RE:'HBL=007-564-402' Complaint/Feedback for - Personal Loan NET.CS.Hpg
Wednesday, September 2, 2009 3:56 PM
From:
"ravish chandra" <ravish75@yahoo.com>
View contact details
To:
"Customer Service" <customer_service@hdfcbank.com>
I don't understand this reply.

When I was suppose to remitt payment directly to your so called agent, letter was as said by your collection mgr would be provided at home.

Now, you are telling me to go to your branch and remitt payment first and then collect letter.

Provide me settlement offer at my home address otherwise I will not b able to pay money to your bank.

--- On Wed, 9/2/09, Customer Service <customer_service@hdfcbank.com> wrote:

From: Customer Service <customer_service@hdfcbank.com>
Subject: RE:'HBL=007-564-402' Complaint/Feedback for - Personal Loan NET.CS.Hpg
To: "ravish chandra" <ravish75@yahoo.com>
Date: Wednesday, September 2, 2009, 10:42 AM
Dear Mr. Chandra,

Thank you for writing to us.

This is with reference to your e-mail regarding settlement of loan account.

You will be required to visit our Retail Loan Service Centre - Delhi to settle the loan account. You can collect the settlement offer while remitting the the payment.

In case you have any further queries, you may contact our Collections manager Mr. Ajay Teotia at 9350849252.

In line with our focus and commitment to Customer Service, we trust we have addressed your grievance in a fair and equitable manner and the issue has been resolved to your satisfaction. In accordance with regulatory guidelines, we are required to mention that you may approach the Banking Ombudsman (appointed by the Reserve Bank of India), in the event you are not satisfied with our handling of your complaint. Should you wish to exercise this option, please log on to HDFC Bank - Leading Bank in India, Banking Services, Private Banking, Personal Loan, Car Loan for details of the Banking Ombudsman Scheme - 2006, for further information on how to escalate complaints to the Banking Ombudsman.


Warm Regards,
Joshin Peter
Customer Support
HDFC Bank Ltd.

"Click the following URL to access details of our PhoneBanking numbers:
http://www.hdfcbank.com/personal/customer_center/customer_center.htm"

"For faster resolution of your queries, kindly mention your Vendor Code in all correspondence with us."
-----------------------------------------------------------------------------------
Disclaimer :
The information contained herein (including any accompanying documents) is
confidential and is intended solely for the addressee(s). If you have
erroneously received this message, please immediately delete it and notify
the sender. Also, if you are not the intended recipient, you are
hereby notified that any disclosure, copying, distribution or taking any
action in reliance on the contents of this message or any
accompanying document is strictly prohibited and is unlawful. The
organisation is not responsible for any damage caused by a virus or
alteration of the e-mail by a third party or otherwise . The contents of
this message may not necessarily represent the views or policies of
HDFC Bank Ltd.

Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013