To Whoever it may concern,

I had a long standing relation with HDFC Bank in the past. I applied for a personal loan through the Bank for Rs. 1.5 lacs and I paid installments regularly, until I was laid off from my company. I was unable to pay the installments at that time and was contacted by bank employees regarding the same. The HDFC employee who contacted me initially asked me to clear EMI's for 2 months and told me that something in terms of settlement can be worked out. I agreed and when the time came for the settlement process this employee fell ill and was admitted in a hospital. I kept in touch with his office regularly and kept paying installments whenever I could afford to. However, in the mean time an employee from HDFC Bank called my father and abused him and me.

This was totally unacceptable and I contacted the bank's customer service and told them that I will not pay back until this matter is satisfactorily resolved. It was a very bad shock for my father who was bedridden for a long time after this incident and has been very depressed about this ever since.

However, it seems like the customer service is inevitably incompetent at resolving matters and I could not get satisfactory response or resolution from their end. On top of that they have entered my details in CIBIL regarding this case.

I have been recently told about two options available to me regarding this:

1. Consumer Court
2. Banking Ombudsman Offices

I have seen similar complaints here from other consumers as well and I am hoping someone can point me in the right direction.

PS: I have a recorded conversation between my father and the employee mentioned above, which clearly reflects on the Bank's competence in dealing with consumers and I would be more than happy to share it here as well as via other media channels. I also have all the email correspondence made with the Bank with me.

Anticipating any helpful tips on handling this case.

Regards,
Ravindra Siwach
ravindra.siwach@gmail.com
9945543056

Originally Posted by ravindra.siwach

To Whoever it may concern,

I had a long standing relation with HDFC Bank in the past. I applied for a personal loan through the Bank for Rs. 1.5 lacs and I paid installments regularly, until I was laid off from my company. I was unable to pay the installments at that time and was contacted by bank employees regarding the same. The HDFC employee who contacted me initially asked me to clear EMI's for 2 months and told me that something in terms of settlement can be worked out. I agreed and when the time came for the settlement process this employee fell ill and was admitted in a hospital. I kept in touch with his office regularly and kept paying installments whenever I could afford to. However, in the mean time an employee from HDFC Bank called my father and abused him and me.

This was totally unacceptable and I contacted the bank's customer service and told them that I will not pay back until this matter is satisfactorily resolved. It was a very bad shock for my father who was bedridden for a long time after this incident and has been very depressed about this ever since.

However, it seems like the customer service is inevitably incompetent at resolving matters and I could not get satisfactory response or resolution from their end. On top of that they have entered my details in CIBIL regarding this case.

I have been recently told about two options available to me regarding this:

1. Consumer Court
2. Banking Ombudsman Offices

I have seen similar complaints here from other consumers as well and I am hoping someone can point me in the right direction.

PS: I have a recorded conversation between my father and the employee mentioned above, which clearly reflects on the Bank's competence in dealing with consumers and I would be more than happy to share it here as well as via other media channels. I also have all the email correspondence made with the Bank with me.

Anticipating any helpful tips on handling this case.

Regards,
Ravindra Siwach
ravindra.siwach@gmail.com
9945543056

Dear Mr Siwach,

Our team would be more than happy to look into this issue, and work out a resolution on the matter of your dues. We would however need a few additional details to proceed further. Request you to write to talktous@hdfcbank.com with your personal loan or account number and the reference id TTU000316523052011. A bank representative shall contact you once we receive this information.

Regards, Customer Assistance, HDFC Bank