I am in the possession of credit card no. 5176 3511 0000 9376. which is given to me with the savings account no. 10971610002493. I used to receive the monthly bill in my Company mail id. However , after I left my Organisation, and the question of paying the bills just went out of my head which was a fault on my part.


This is a chennai- based credit card account which was given to me when I was working with an Organisation in chennai. I was given this card in Feb'09 after my permanent address verification was done which I had given as my Uncle's address in Puri.

I had a salary of Rupees 200,000/- per annum, however I got a credit limit of only Rupees 18000/-.What does the bank think they are doing?? Giving credit cards to customers or alms to beggars?? Is it just to fulfill their targets or do they have any service motive towards the customers??


However, The credit card department had only the local contact no.s of chennai in it's system and had not put up my permanent address details in its system although a credit card is a type of loan.And I think that purposefully the credit card department did not contact me at my permanent address till the interest amount was beyond rupees
ten thousand at least. My principal credit was Rupees 17000/- some odd and the interest was rupees rupees 10000/-.


Be it any kind of loan, two wheeler loan, four-wheeler loan, personal loan, housing loan, credit cards which is a type of unsecured loan;firstly, how come the bank not put the permanent address details in the contact details in the system for the customer;

and Secondly; How come the bank take almost six months to track down my permanent address details.


On the 28th of June,2010, My uncle in Puri got a call from one Mr. Karthik, Mobile No.
+919841144099, and was threatened that if I Did not pay up rupees 1500/- by the next day, legal action will be taken against me and I might even be put into jail. I had deposited the same on the 29th , although at that time I was in Bangalore for my father's
treatment and he was in hospital.

Again there was another call on the 11th of July for the payment however which I did not make it then. Then they sent a telegram to my former address in bhubaneshwar on the 22nd of july stating immediate payment for the amount which fell into the hands of my former
landlord, which was a embarrassing situation for me and I just can't go into that locality right now with my head held high because of it.

Again, Mr. Karthik called up and this time my aunt picked the call who is a housewife and started to speak in English. In all probability, they should have transferred the case to the local credit card department and they should have communicated in the local language
instead of Mr. Karthik calling up in English from Chennai which is in itself a matter of mental harassment and panic for my aunt who is 50 and my uncle who is 55.

In the telegram, I was told to contact two people one Mr. Karthik and the other Mr. Johnson, mobile no. +9843069869. When I called up Mr. Johnson, I was told, Speak in tamil, no english. what kind of executives do the bank have who do not know how to behave with customers and who do not know even to speak in english.


When I lodged a complaint with Karthik, he handed the call to his Manager, Mr. Rajesh, Mobile no.+919382298194. In the telegram, I was being told that I had to pay up by the 24th of july. However I called up Karthik and told him that instead of 24th I would be paying on the 26th to which he agreed to as 24th was a saturday. However, his manager Mr. Rajesh sent a sms to me stating that I have to deposit by the 24th. Fyi, 24th of july was my birthday.Therefore, be it any kind of bill payment is the last thing that one would like to do on your birthday.I also smsed back the branch code as requested by Mr. Rajesh
and my email id as I did not want my uncle to be pestered and told him to send me a test mail of his mail id. Even my late night saturday as I did not get the mail, the next day I first tried Mr. Rajesh's no which was coming as not reachable till 12 noon . Then I tried
Mr.Karthik's no. and asked as what happened to the test mail. He had no answer.Twice he said he will get back.But after that neither Mr.Karthik nor Mr.Rajesh picked up my call just because I caught them on the wrong foot. and on monday 26th of july,2010 Mr. Rajesh tells me that he can't send mails from his official mail id. However he has sent me his personal mail id.


This is purely a case of negligence on part of the bank for not updating their system with my permanent address details and thereby increasing my interest rate by atronomical level. If the bank found out that I had not paid in the subsequent month and they were not able to contact me in the given local numbers, they should have immideately contacted at my given permanent address and left a message that so much amount is due and I have not paid up for the last one month or 45 days which the bank did not do which has resulted in both defamation and mental harrasment and panic for me and my family.

Originally Posted by Jaydevgoswami

I am in the possession of credit card no. 5176 3511 0000 9376. which is given to me with the savings account no. 10971610002493. I used to receive the monthly bill in my Company mail id. However , after I left my Organisation, and the question of paying the bills just went out of my head which was a fault on my part.


This is a chennai- based credit card account which was given to me when I was working with an Organisation in chennai. I was given this card in Feb'09 after my permanent address verification was done which I had given as my Uncle's address in Puri.

I had a salary of Rupees 200,000/- per annum, however I got a credit limit of only Rupees 18000/-.What does the bank think they are doing?? Giving credit cards to customers or alms to beggars?? Is it just to fulfill their targets or do they have any service motive towards the customers??


However, The credit card department had only the local contact no.s of chennai in it's system and had not put up my permanent address details in its system although a credit card is a type of loan.And I think that purposefully the credit card department did not contact me at my permanent address till the interest amount was beyond rupees
ten thousand at least. My principal credit was Rupees 17000/- some odd and the interest was rupees rupees 10000/-.


Be it any kind of loan, two wheeler loan, four-wheeler loan, personal loan, housing loan, credit cards which is a type of unsecured loan;firstly, how come the bank not put the permanent address details in the contact details in the system for the customer;

and Secondly; How come the bank take almost six months to track down my permanent address details.


On the 28th of June,2010, My uncle in Puri got a call from one Mr. Karthik, Mobile No.
+919841144099, and was threatened that if I Did not pay up rupees 1500/- by the next day, legal action will be taken against me and I might even be put into jail. I had deposited the same on the 29th , although at that time I was in Bangalore for my father's
treatment and he was in hospital.

Again there was another call on the 11th of July for the payment however which I did not make it then. Then they sent a telegram to my former address in bhubaneshwar on the 22nd of july stating immediate payment for the amount which fell into the hands of my former
landlord, which was a embarrassing situation for me and I just can't go into that locality right now with my head held high because of it.

Again, Mr. Karthik called up and this time my aunt picked the call who is a housewife and started to speak in English. In all probability, they should have transferred the case to the local credit card department and they should have communicated in the local language
instead of Mr. Karthik calling up in English from Chennai which is in itself a matter of mental harassment and panic for my aunt who is 50 and my uncle who is 55.

In the telegram, I was told to contact two people one Mr. Karthik and the other Mr. Johnson, mobile no. +9843069869. When I called up Mr. Johnson, I was told, Speak in tamil, no english. what kind of executives do the bank have who do not know how to behave with customers and who do not know even to speak in english.


When I lodged a complaint with Karthik, he handed the call to his Manager, Mr. Rajesh, Mobile no.+919382298194. In the telegram, I was being told that I had to pay up by the 24th of july. However I called up Karthik and told him that instead of 24th I would be paying on the 26th to which he agreed to as 24th was a saturday. However, his manager Mr. Rajesh sent a sms to me stating that I have to deposit by the 24th. Fyi, 24th of july was my birthday.Therefore, be it any kind of bill payment is the last thing that one would like to do on your birthday.I also smsed back the branch code as requested by Mr. Rajesh
and my email id as I did not want my uncle to be pestered and told him to send me a test mail of his mail id. Even my late night saturday as I did not get the mail, the next day I first tried Mr. Rajesh's no which was coming as not reachable till 12 noon . Then I tried
Mr.Karthik's no. and asked as what happened to the test mail. He had no answer.Twice he said he will get back.But after that neither Mr.Karthik nor Mr.Rajesh picked up my call just because I caught them on the wrong foot. and on monday 26th of july,2010 Mr. Rajesh tells me that he can't send mails from his official mail id. However he has sent me his personal mail id.


This is purely a case of negligence on part of the bank for not updating their system with my permanent address details and thereby increasing my interest rate by atronomical level. If the bank found out that I had not paid in the subsequent month and they were not able to contact me in the given local numbers, they should have immideately contacted at my given permanent address and left a message that so much amount is due and I have not paid up for the last one month or 45 days which the bank did not do which has resulted in both defamation and mental harrasment and panic for me and my family.

Dear Mr Goswami,

We apologize for the inconvenience you were put through and would like to assure you that a bank representative is currently investigating the matter of your dues and will shortly be in touch with you. We would also like to caution you against posting sensitive information such as your account / credit card number on a public forum such as this, as it may lead to your account being compromised. Instead, should you wish to contact the bank, you may do so by writing in to us directly at talktous@hdfcbank.com and quoting your contact details and the reference id TTU00081529072010.

We value your patronage and will try and resolve this issue as quickly as possible.

Regards, Customer Assistance, HDFC Bank

I would like to bring to the notice of the bank that "Caution" is a threatening word. what the bank could have done is requested me.I would like to invite the Moderator into the picture and ask for their advice on the issue as it is getting nasty. I would also like to know the views of those in the forum.