My name is Uma shanker achanta and having an HDFC Credit card bearing No:5243 6811 0085 8979. In the year 2008 I have taken a loan of Rs 50,000 from the banker and I have paid them back Rs 45,500.00 leaving an outstanding of Rs.4500.00.

On 1st of October 2009 one of the call centre agent called me up and informed me that I have an outstanding of Rs 6800.00 and have asked me to pay Rs 3300.00 towards Minimum amount due. I have informed him that I would not be able to pay that much money and paid an amount of Rs 2000.00.I called up the call centre and checked as to why so much amount has been asked by these people and to my surprise I found that the bankers have debited an EMI facility everymoth towards my loan amount and started deducting the money everymonth from the money which I have paid. I have asked the call centre agent as to why the EMI is being debited to my credit without my consent or knowledge. They said that it is not in their hands and asked me to pay the outstanding.

I sent out mails to them asking them to reverse the EMIs along with the late payment charges/Finance charges and Interest which got accumulated over these months for which they have asked to give some time and I obliged for the same


Today ie 03.11.2009 some call centre agent Ms Sireesha called me up and informed that it is not possible for them to reverse the entire amount but only an amount of Rs 1200.00 which is not at all correct.

My only question is how can HDFC convert my outstanding into EMI without my consent. Seconldy why would I pay the amount of Rs 45500 with a matter of days if at all I would have opted for the EMI.

I request the members of this group to kindly advise me to as to how to bring these guys to the court of law so that innocent people like us would not take for a ride

Regards
Uma shanker achanta
1-10-198
Begumpet
Bramhanwadi
Hyd-500016