Hi,

I hold a HDFC Credit Card. Initially all was fine but after a couple of months, they stopped sending me the statements, niether the hard copy nor the soft copy. Inspite of my repeated complaints no action was taken. But I still kept making the payments. After a point of time, I was frustrated with the behaviour and stopped paying, cause otherwise the Bank would just not respond. When they finally did take a note, I asked for a complete settlement and I was assured that if I payed a minimum amount, they will take the process forward. A person named Prakash was in touch with me and assured me that he would send me the settlement letter and then I can make the payment in 7 installments. I agreed to the same. In the meantime, I saw that they have fraudfully taken out Rs. 1 Lakh from my bank account whereas the settlement was for 65K only. I do not understand how is it possible, that without my authorisation and without even my knowledge, a bank can transfer my money. And especially when I had agreed on the settlement and was waiting for the letter.Should I take up the matter with the omburdsment or file a complaint in the consumer court for wrongful usage of my money.