Hi,

I RAHUL KRISHAN MALIK
R/O E 28, W- 4 LANE ,
WESTERN AVENUE CLUB ROAD
SAINIK FARM NEW DELHI 110062

HDFC CREDIT CARD NO: ***************8229


Subject: HDFC harrasment /misbehaviour for payment of credit card dues

Details in chronololical order:

24 dec 2004
Had a word with Ms. Harleen(customer care ,HDFC) requesting her to close my account ,she gave me this tel 011.51574430-35.
When i called this number Ms. Amrita Srivastava (Settlement department, HDFC)
advised me to pay Rs. 24,525 in installments. She confirmed this amount after talking to her senior Mr. Gagan. Later Mr. Gagan also called me later and assured me that my credit card
will be closed and i can pay the amount(Rs. 24,525) in installments. 30 dec 2004 Mr. Anwar Ali(Collector ,HDFC) came to my residence to collect the first installment of Rs. 1400/- (receipt no. F-444217, payed by cash).

21 jan 2005
Mr. Shravan Kumar (Collector ,HDFC) came to my residence to collect the second installment of Rs. 1700/- (receipt no. C-755214, payed by cheque, cheque no. 617159,dated 24 jan 2005,SBI).

31 jan 2005
Mr. Shravan Kumar (Collector ,HDFC) came to my residence to collect the third installment of Rs. 1450/- (receipt no. C-806915, payed by cash).

18 feb 2005
Mr. Shravan Kumar (Collector ,HDFC) came to my residence to collect the fourth installment of Rs. 1400/- (payed by cash, no receipt was provided by Mr. Shravan Kumar because he had run out of receipts,he assured me that he'll deliver the receipt within next 2 days).
When I received the statement dated 8 march 2005, the amount(fourth installment) was not shown. After which, I called Customer Care(HDFC) to report this matter on the same day
and wrote a complaint to National Manager Debt Management,HDFC Bank, Cards division,Prince Khushal Towers,96 Anna Salai, Chennai-600-002.

After this incident I told Mr. Garuav Saxena(HDFC) that i would pay the full amount(balance remaining).

28 mar 2005
Mr. Sumesh Uppadhay(HDFC, 9350-908345) came to my residence and told me that total amount was Rs. 24,525/- and after deducting Rs 4,550/- the balance amount is Rs. 19,975 according to the bank after talking with Mr. Gaurav Saxena, Mr. Abhishek Kapoor(9818-253760).
I also talked with Mr. Abhishek Kapoor and Mr. Gaurav Saxena. They assured me that they would give me settlement letter when I make the payment of 19,975. He didn't deduct the Rs. 1400/- (fourth installment in cash). I agreed on 19,975 after they abused and threatened me. they promise me that they wills end sattlement letter with in 15 days .

From dec2004to may2005,we continuosly received abusive & threatning calls from Mr. Rajeev Mehta,Mr John,Mr. Anil, Mr Vazi and many more from these telephone mbers(011-51574430,011-51574427).
Mr. Rajeeve Mehta was the main persone behind all this.I was the installments during this still I and my family were continually harassed,abused and threatened by these people. I made numerous calls to customer care and wrote to HDFC but to no avail. We were told that they would send goondas to my residence to beat me up and recover payment. I assured them that i was ready for final settlement and waiting for settlement letter. Every member of my family was abused , whoever picked up the phone.

19 May 2005
Mr. Sumesh Uppadhay came to my residence with settlement letter in which amount mentioned was 26,200.I told Mr. SU that I won't pay Rs. 26,200/- ,as it was discussed on 28 mar 2005 that the amount I had to pay was Rs. 19,975/-. After talking with Mr. Gaurav Saxena ,the deduction for Rs. 4550 was made and Rs. 26,200 was reduced to Rs. 22,200 and confirming it with senior
HDFC personnels(Mr. Abhishek Kapoor,Mr. Harishankar Chowdary) and forced upon me as they were not ready to make final settlement for less than Rs. 22,200/-.I was threatened by Mr. Abhishek Kapoor that they would send cops to recover the amount.

I was ready to pay the amount Rs. 22,200/- and asked Mr. Sumesh Uppadhay to come with new settlement letter for the amount Rs. 22,200/- . He called up his seniors Mr. Abhishek Kapoor and Mr. Gaurav Saxena who told me that it was no use to delay the matter any more and assured me that the settlement could be done on this letter also and verbally committed that
I won't be harrased any more. Mr. AK and Mr. GS asked Mr. SU to correct the amount mentioned in the settlement letter and collect the amount. I made the payment of Rs. 22,200/-(Rs. 20,000: cheque no. 740748 dated 21 may 2005,Citizen co-operative bank,receipt no. R-372322
+ Rs. 2200/- Cash, receipt no.R-372323 ) and got the settlement letter no. NI 4377 dated 17 may 2005)
I was assured that matter was closed and I won't be harrased in future as this was full and final settlement of my card.
26 sep 2005
I received call from HDFC bank asking me to pay Rs. 36,662.79 /- for my credit card dues.I told them I had done a settlement long time back on 19th May 2005 under the letter no. NI 4377.
28 sep 2005
I was not trusted and HDFC didn't check this in their records a and sent a HDFC executive to my residence in my absence. My mother gave him a photocopy of the settlement letter ,and was asked by this executive to send a fax(settlement letter) to this number(011-51574422).
Same day I sent a fax to HDFC(011-51574422).
26 dec 2006
My mother received a call from an Advocate RK Chauhan(9213-456957) and threatened my mother for the amount of Rs. 32,000 (as my cheque had dishonoured)or else they would sent police to my residence to take me away.

He made around 10 calls on the same day threatening my mother with dire consequences if I didn't pay up. I received calls from Police Station My mother became ill with stress arising due to these calls.
Since last two months Adv. RK Chauhan has been making threatening calls to my residence.
Asking my mother to send me to his office to settle the matter.

3 feb 2007
I got an email from HDFC (customerservice.cards@...) to call their debt management services at 011-41809330. I had a talk with Ms Simran and Ms. Sweta Kapoor seeking clarification ,they threatened me that they would take legal action against me. For further clarification i was asked to see Mr. Ashish kumar Sharma, Asst manager, HDFC credit card Division ,Ansal classic Tower,
5 th Floor J blaock,Rajori Garden (ph no:41809330,fax no:41443954)


19 feb 2007
I received a letter from Mr. Rajeswari jayasekar ,Rajeswari jayasekar Manager service Quality ,credit card ,HDFC bank cards division po box-399 mentioning that I had to pay 29313.87 as total outstanding and settlement has been revoked in the absence of any further payment after 19th may 2005. I was asked to contact Mr Arun laxman (+91.9313483851) clarification.

8 mar 2007
I received a call from Mr. Ashish Sharma , Asst. Manager(9313-483854) that i had to pay Rs. 29313.87/- ,when i informed him that my dues were settled I was asked to send(fax) him a copy of the settlement letter to this no. 011-41443954.I was told that i had made the changes on the
settlement letter myself and I had to pay Rs. 4200 remaining amount . He was mocking at me that this settlement letter won't help me in this matter. I was assured that after the payment of Rs. 4200 , a new settlement letter would be given to me. Mr. Ashish Sharma had told me that he had been forwarded the complaint made by me to the RBI.

I need some suggestion to settle this matter and take action for the harrasment i suffered from HDFC.