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Originally Posted by Unregistered

Dear Sir,

My name is Noor

I have requested for a settlement on my credit card no 4346 7810 0404 6124 with hdfc bank and I have got the settlement for Rs 139600/- with a payment in 8 shots my last 2 installments has been bounced and have cleared the same with in 30 days period.



It has mentioned in the settlement letter that the contract of settlement is void if any dishonor of cheques - Keeping that in mind I have asked your telecalling representative during payment of my bounced installment that whether it will cause any problem since it has mentioned in the contract that it is void if the cheque is dishonored - hdfc representative has stated that It will be a problem and any issues will be taken care by them. Based on the trust and the reputation of the bank I have paid the outstanding via cash



Last month I have got a call from collection representative named Mr. Anand for payment of 84000/- I have said that I have done a settlement for which he has crossed check and asked to mail the settlement letter to his superior Mr. Porchelvam l - There was no revert neither from Mr. Porchelvam nor from Mr. Anand and suddenly during 2nd of July I was not able to access my ATM card and when found out I came to know that my SB account has been lien marked for RS 53000/-- I rushed to HDFC bank Nelson Manickam road branch and met one Ms Eswari on 3rd july 2010 - She had listen to my grievance and said that she will try to do a reversal of my liened account - I was contacting her the every alternate day but till now she is not able to make out any thing.



I have been moving pin to pole to all your branch's mentioned below



1. Nelson manickam road branch

2. Lattice bridge branch

3. Vadapalani branch



but it was only a waste of time No one was able to give any solution to me - The answer was very simple to contact the help line.



I have also contacted help line several times - I only hear from them that I will be contacted by concern department in 3 hours time but no one has called me yet.



I have few concerns which I request for a solution




When I have paid the entered settlement amount then why is my account marked lien?

If the contract was void by my dishonoring of cheques then why did your representative collected the payment from me?

When I have already done the payment for the dishonored cheque why do I get a notice for sec 138 after 3 months of making payment?

The lien has been marked on 2nd July but I get a notice from you only on 8th July 2010?

How can you mark lien to my account with out informing me?

Why have your representative not contacted me for further settlement?

Why do you marked lien to my account when the trail mail from Mr. Porselvan says that I need to 3760/- and I can reuse my card



I am writing this mail with a heart felt depression and hoping that I will get a solution for my queries and my amount will be reversed.


I hope you will help me

Dear Ms. Noor,

At the outset, please accept our apologies for the mis-communication regarding the bounced cheques and the bank’s prior lack of response to your inquiries. Our team is currently investigating your complaint and will shortly contact you. In the meantime, should you wish to contact the bank, you can do so by writing to us directly at talktous@hdfcbank.com with your contact details and the reference id TTU00062619072010.

Regards, Customer Assistance, HDFC Bank