Date of Filing:19.12.2008

Date of Order: 18.03.2009

BEFORE THE I ADDITIONAL DISTRICT CONSUMER DISPUTES REDRESSAL FORUM SESHADRIPURAM BANGALORE-20

Dated: 18th DAY OF MARCH 2009

PRESENT

Sri. Bajentri H.M, B.A, LL.B., President

Smt.C.V. Rajamma, B.Sc., LL.B., PGDPR, Member


COMPLAINT NO. 2746 OF 2008

Sri. Varadarajan,
Aged About 35 Years,
R/at: Audio Vision,
73rd Main, Vasanth Nagar,
BANGALORE. …. Complainant.

-V/s-

(1)HDFC Bank,
Cards Division, No.8,
Lattice Bridge Road,
Thiruvanmiyur,
CHENNAI-600 041.
Rep. by its Manager.

(2)HDFC Bank,
Post Box No.5106,
Shankarnarayana Building,
25/1, M.G. Road,
BANGALORE-560 001.
Rep. by its Branch Manager.…. Opposite Parties.

ORDER

The complainant has prayed for the following directions to the opposite parties:-

(i)To direct the opposite parties to comply with the deficiency in service and issue a settlement of all dues letter to the complainant,

(ii) To direct the opposite parties to refund the entire amount taken from his saving bank account bearing No.00761000048331, with accrued interest,

(iii) To hold the opposite parties deficient in their service and for using unfair trade practice direct the opposite parties to pay to the complainant in the form of damages an amount of Rs.2,00,000/- towards the mental trauma, physical strain and immense stress caused by the opposite parties,

(iv) To pass any such order of relief that this Honorable Forum may seem fit to grant in the circumstances of the case,

(v) To award costs of this dispute recoverable from the opposite parties.

The case of the complainant is as under:-
He is working for a private limited Company and residing at Bangalore. He availed credit card No. 4050 2820 0026 7851 from the opposite parties and the credit card was issued on his account No.00761000048331 with credit limit over lakh of rupees. He had been using the credit card for purchases and repaying the amount within the prescribed period till the year 2005. He had taken insurance policy and the premium in that regard was payable quarterly. He availed smart pay facility from the opposite party for payment of the insurance premium of Rs.2,500/- per quarter and he had 45 days time to make payment of the said amount to the opposite parties. The opposite parties were to make payment of Rs.2,500/- towards quarterly premium, but from the statement dated: 23.12.2005 he noticed that instead of Rs.2,500/- the opposite parties had paid Rs.5,033/- towards premium. Immediately he approached the opposite parties on various dates and informed that they had made payment of Rs.2,500/- in excess towards insurance premium and requested to sort out the issue.

He made payment of Rs.3,013/- through cheque No.311895 being the remaining amount after deducting the additional amount paid by the opposite parties. He also requested the opposite parties to stop smart pay facility and as per the letter dated: 21.01.2006 the opposite party cancelled the said facility with effect from 18.11.2006. Since then he has been in constant touch with opposite parties seeking clarifications about the additional payment made from his account. But the opposite parties evaded the quires and have kept on charging interest and late fee on the said amount. Though he has paid the entire outstanding dues he was getting bills of payment of dues which were actually not due and payable by him. He addressed several e-mails to the opposite parties. After receiving the entire outstanding amounts the opposite parties never issued any letter of settlement. Since he was repeatedly calling and sending e-mails to the opposite parties one official called him over phone and requested to approach opposite party No.1 and to show the receipts regarding payments and to collect a settlement letter. When he approached opposite party No.1, he was made to wait for long hours and finally one of the customer care people informed that they would get back after they have the information, but so far no reply is given. The opposite parties had in fact freezed and were threatening to set-off the funds available in his SB account. The opposite parties issued letter dated: 04.11.2008 calling upon him to remit the alleged outstanding amount of Rs.21,866.77 paise within seven days failing which, the amount would be debited to his SB account as per the ‘cross default’ clause of the card member agreement.

Thereupon he issued a legal notice dated: 12.11.2008 calling upon the opposite party not to forfeit the outstanding in the savings account. When he tried to contact the opposite parties in respect of the said letter one Gowda and another threatened him. Till date he has been receiving the letters, statements and SMS on his mobile stating that he has not paid the dues. He fails to understand that in spite of paying the entire amount his account shows an outstanding. The opposite parties have not only committed mistake in calculating the outstanding, but have forfeited the entire amount available in his savings account and have thus subjected him to lot of mental trauma and physical strain. Hence the complaint.

2. In the version the contention of the opposite parties is as under:-

Earlier the complainant had obtained a silver credit card with credit limit of Rs.65,000/- in the year 2005. Thereafter the credit card was upgraded to Visa- Platinum – Plus – Credit - Card with credit limit of Rs.1,55,000/- in the year 2007. The complainant had taken ‘Smart Pay Facility’ on the credit card to pay the insurance premium as and when demanded by the Insurance Company. Accordingly the amount was paid as per the demand made by the Insurance Company. They have no knowledge about the terms of the policy like the amount of premium and its period. They are only concerned with the payment of the respective demand made by the Insurance Company and they have promptly paid the amount towards premium.

They have no knowledge that the complainant has to pay Rs.2,500/- towards quarterly premium. The complainant was required to implead the Insurance Company also as a party to the proceedings. As per the request of the complainant the Smart Pay Facility was cancelled with effect from 18.11.2006. From August-2008 the complainant is not making any payment though there is sufficient balance in his credit card account. As per the statement dated: 23.10.2008 the complainant is due Rs.21,866.77 paise and the complainant has not come forward to pay the said amount in spite of repeated request and reminders and has filed the present complaint without proper reasons. Since the complainant fails to make payment of the dues in spite of several requests and reminders they exercised right of “General Lien” on the amount available in the SB account of the complainant to an extent of Rs.18,140.43 paise with effect from 04.11.2008 and the same has been intimated to the complainant through notice dated: 04.11.2008 by which the complainant was called upon to pay Rs.21,866.77 paise. They have every right of exercising ‘General Lien’ as per the card member agreement.

Therefore there is no illegality on the part of the opposite parties. The complainant is liable to pay the utilized amount by using the credit card. The complainant has not approached this Forum with clean hands and therefore not entitled to the relief prayed for.

3. In support of the respective contentions, both the parties have filed affidavits, have produced documents and have filed written arguments.

4. The points for consideration are:-
(1) Whether the complainant has proved deficiency in service on the part of the opposite parties?

(2) Whether the complainant entitled to the relief prayed for in the complaint?

5. Our findings on the above points are in the Negative for the following:-

REASONS

POINT Nos. 1 & 2:-
6. The complaint is filed on 18.12.2008 alleging that, as per the statement dated: 23.12.2005 the opposite party has paid Rs.2,500/- in excess towards the insurance premium under the Smart Pay Facility. If the complainant noticed excess payment made by the opposite party towards the insurance premium in the monthly statement dated: 23.12.2005, the cause of action to claim refund of the excess payment made accrued to the complainant on 23.12.2005. As such, the complainant was required to file the complaint seeking relief in respect of the excess payment within two years from 23.12.2005 as provided in Section 24 of the Consumer Protection Act. The complaint filed on 18.12.2008 is beyond the period of two years and as such, the claim of the complainant in respect of excess payment of Rs.2,500/- towards insurance premium is barred by limitation. The complainant has not even filed application for condonation of delay as required Under Section 24(A) of the Consumer Protection Act. Therefore this claim being barred by limitation the complainant is not entitled to that relief. However from the prayers made by the complainant in the prayer column it is evident that he has not prayed for any relief in respect of excess payment of Rs.2500/- made by the opposite party towards insurance premium. Except the details of the excess payment of Rs.2,500/- towards premium the other averments in the complaint are very vague. The complainant claims that he had paid the entire amount due and in spite of it, the opposite party sent the letter dated: 04.11.2008 demanding Rs.21,866.77 paise. But the date on which the entire amount due was cleared, and what is the amount paid towards full clearance of the dues is not disclosed. It appears in spite of repeated demands and requests the complainant failed to make payment of Rs.21,866.77 paise and therefore exercising the right of ‘General Lien’ the opposite party debited Rs.18,140.43 paise to his SB account as stated in Para-8 of the version. As per the terms of the Card Member Agreement which is extracted in Para-8 of the version the opposite party is entitled to exercise such Right of Lien on the amount available in the SB account of the customer who fails to clear the dues in his credit card account. If that is so, the act of the opposite party in debiting the amount available in the SB account of the complainant towards the amount due in the credit card account will not amount to deficiency in service. As such, we hold that, the complainant is not entitled to the relief prayed for. In the result, we pass the following:-

ORDER

7. The complaint is dismissed. No order as to costs.

8. Send a copy of this order to both the parties free of costs immediately.

9. Pronounced in the Open Forum on this 18th DAY OF MARCH 2009.

-Sd/- -Sd/-
MEMBER PRESIDENT

Friday, the 3rd day of April, 2009

CC.NO.44/2008

Between:
1.Yekhalli Shanker Rao S/o Veerappa,
Aged 58 years, Occ: Retired Pvt. Employee.
2. Yekhalli Susheela Bai W/o Shanker Rao,
Aged 52 years, Occ: Housewife,
Both are R/o Morgi(v), Manoor(M), Medak Dist.
… complainant.
And
1.The H.D.F.C Bank, Card Division,
P.O. Box No. 399, Anna Salai, PO Chennai 600002 (T.N.).

2. The H.D.F.C. Bank, Main Road, Sangareddy.

… Opposite parties.

This case came up for final hearing before us on 25.03.2009 in the presence of Sri. Ch. Baswaraj, Advocate for complainant and the opposite parties remained absent, upon hearing the arguments of complainant’s advocate, on perusing the record and having stood over for consideration till this day, this forum delivered the following.

O R D E R

( Per Sri. P.V. Subrahmanyam, President)

The complaint is filed Under Section 12 of Consumer Protection Act, 1986 to direct opposite parties to pay insurance amount of Rs. 3,00,000/- with interest at 12% p.a. from the date of complaint and further to pay Rs.1,50,000/- as compensation and also to pay Rs.5,000/- towards costs of the complaint.

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The contents of complaint in brief are as follows:-

1). The complainants belong to Morgi village of Manoor Mandal, Medak District. Their son Yekhalli Shiv Kumar worked as area manager in Dr. Reddy Laboratories at Puna Branch. He was holding HDFC bank International gold card membership bearing No. 5176 5210 0545 4600 which is valid from 08/07 to 09/10 with Puna branch. He died in road accident on 3.05.2008 near Dharwad district of Karnataka State for which Garg Police Station registered a case in crime No. 66/2008 U/s 279, 338 and 304A IPC. Opposite party No. 1 issued a booklet of international gold card covering insurance, where in it is stated that if the member of international gold card of HDFC bank dies in road accident the nominees of the card holders are entitled to get Rs.3,00,000/- as compensation. After the death of the card holder Yekhalli Shiv Kumar, the complainants approached opposite parties No. 1 and 2 and their branches situated at Puna, Bidar, Sangareddy and Hyderabad and requested for payment of compensation amount of Rs. 3,00,000/-, as their son died in motor accident while holding the international gold card of their bank. All of them refused to pay. There upon the complainants verified the booklet issued by the opposite parties and came to know from page 32 that there was a tie up agreement between the opposite party No. 1 and insurance company. Immediately the complainants got a legal notice dt.18.07.2008 issued to opposite party No. 1 to known the mane of the insurance company and to further know the particulars of the policy for making it a party to this proceedings. Along with the notice, copies of FIR, gold card and booklet were sent for perusal. Opposite party No. 1 received the notice but there has been neither compliance nor a reply. The attitude of the opposite parties No. 1 and 2 amounts to deficiency in service. As the branch office of opposite party No. 1 is located in Sangareddy, which is opposite party No. 2, this forum has jurisdiction to entertain the complaint. As such opposite parties No. 1 and 2 are jointly and severally liable to pay the amounts to the complainant as claimed in the complainant. Hence the complaint.


2) Notice was sent to opposite party No. 1 through registered post. It is deemed that opposite party No. 1 received notice. Opposite party No. 2 received notice. But they have not chosen to participate in the proceedings. Evidence affidavit of first complainant is filed on his behalf and on behalf of his wife, the second complainant to prove the contents of the complaint. Exs. A1 to A7 documents are marked on behalf of the complainants. No written arguments are filed for the complainants, however oral arguments are advanced. Perused the record.

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3). The point for consideration whether the complainants proved deficiency in service on the part of opposite party and that they are entitled for the various amounts claimed in the complaint?

Point:
4). The complainants’ case is that their son by name Shiv Kumar while working as area manager in Dr. Reddy Laboratories at Puna has taken international gold card membership from HDFC bank at Puna which is valid from August/2007 to Septermber/2010 but unfortunately died in a road accident on 3.05.2008 in Dharwad district in Karnataka State and in that connection Garg Police registered a case against the driver of Indica car bearing No. MH 14 BC 2546 by name Anand Salke. The son of complainants Mr. Shiv Kumar who was holding the HDFC international gold card died on the spot while traveling in that car, along with others-(Ex.A3) The complainants say that when they claimed for the assured amount from the opposite parties and their branches, at Puna, Bidar and Hyderabad but they refused to pay the amount.

5). The opposite parties have not chosen to participate in the proceedings. At page 8 of the booklet which is marked as Ex.A2 it is clearly mentioned that for death in a road accident the nominated next of kin of the card holder will receive a compensation of Rs. 3,00,000/-. At page 32 of the same booklet it is mentioned under the head Personal Accident Policy” as “All Primary Card members of the Bank are covered for death due to road/rail/air accident”. It is also mentioned under the same head at page 32 of Ex. A2 as “For HDFC Bank Gold International Card, the cover is Rs. 3 lacs for death due to road/rail accident and Rs.25 lacs for death due to air accident”.

6)The complainants have not produced any document to show that they are nominated by their son, the card holder Mr. Shiv Kumar, to receive the amount of Rs. 3,00,000/- in the event of his death in a road accident. Further the complainants have not stated whether their son Mr. Shiv Kumar was married or single, if married whether he had wife and children to receive the amount. On a reading of the complaint and the evidence affidavit of the first complainant there is

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no whisper any where that Mr. Shiv Kumar was married and he was having wife and children at the time of his death, to share the amount. As the complainants stated that they are nominees to receive the amount, even though there is no proof to show that they are nominees, as the opposite parties have not chosen to contest the matter, it is deemed that the version of the complainants that they are nominees and that they are entitled to receive the amount is not disputed by the opposite parties.

7) The complainants marked the international gold card of HDFC bank of their son as Ex.A1. Certified copy of FIR in Karnataka language and its English translation are marked as Ex.A3. Ex.A4 is the office copy of the lawyer notice issued on behalf of the complainants to opposite party No. 1. Ex. A5 is postal acknowledgement in evidence of receipt of Ex. A4 notice by opposite party No. 1. Ex.A6 is postal registration receipt under which Ex. A4 notice was sent. At the time of arguments the learned counsel for the complainants referred to Ex. A7, which is “Sakshi” a Telugu daily news paper, where in according to him a news item is published that in a similar case Hon’ble State Commission of Andhra Pradesh awarded insurance amount and costs. Ex.A7 does not contain case number in which the Hon’ble State Commission rendered the said decision. Even otherwise a news item cannot be taken as evidence to reply upon Ex. A7, therefore it has no evidentiary value.

8) It is not in dispute that the complainants’ son Mr. Shiv Kumar had taken international gold card from HDFC bank at Puna. It is stated by the counsel for the complainants that its head office is at Chennai which is opposite party No. 1. Opposite party No. 1 received lawyer notice. Notice was sent in this case by this forum through registered post. Opposite party No. 2 has received notice through local tappal. The complainant is entitled to file the complaint in this forum, as branch office of HDFC bank (which is opposite party No. 2) is located in Sangareddy which confers jurisdictions U/s 11(2) of the Consumer Protection Act, 1986, In view of the discussion supra it is held that the complainants are entitled to Rs. 3,00,000/- towards insurance and to compensation of Rs. 10,000/- and also further entitled to Rs. 2,000/- towards costs. As opposite party No. 1 failed to furnish the name and other particulars of the insurance company with which it has tie up, opposite parties No. 1 and 2 are jointly and severally liable to pay the above amounts to the complainants. The opposite parties No. 1 and 2 may proceed against the insurance company with which it has tie up, to recover the amount, if they are entitled and advised so. The point is answered accordingly in favour of the complainants.

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9) In the result the complaint is allowed directing the opposite parties No. 1 and 2 to pay to the complainants the Rs. 3,00,000/- payable under the international gold card with interest at 9% p.a. from the date of complaint till payment as requested in the complaint and to pay Rs.10,000/- towards compensation and Rs.2,000/- towards costs within one month from the date of this order. Their liability is joint and several. The complainants and directed to file legal heir certificate before filing cheque petition, to show that they are the only legal heirs.

Sir,
I am "Ravi Bhatnagar" S/O Y.K. Bhatnagar. I am working with "Progressive Infotech Pvt Ltd" in noida as a "Network Engineer". My office employee id is 1687.
I own a salary account (acc no: 00881540041509) of HDFC bank on the behalf of my company. My HDFC bank customer id is 23893371.
HDFC long back (7-8 months back,even before that) issued me a credit card(card no as they mentioned: 5176521007317771) on the behalf of my saving/salary account of hdfc bank on the mailing address of my office(mailing address: Progressive Infotech Pvt Ltd, c-161, Hosery Complex, Phase-ii, Noida-201301) but i never received that credit card & I had almost forgot about that card thing.
Now after 7-8 months, I got a memo on 07/09/09 from HDFC saying that your card (which I did not receive ever) is now suspended as it is having dues of 2642.08 rs. HDFC Bank also said that they have included my name in the "DEFAULTER LIST" and take action against me.
On the basis of those dues, HDFC bank has upheld my saving account on 14/09/09, having closing balance of 7089.18 rs without any prior information. I contacted HDFC bank but they are saying that "we cannot do anything to it as this is the matter of HDFC Credit Card Division". When contacted HDFC Credit Card Division, they told me that there is a insurance policy of "BAJAJ ALIENZ" applied on the credit card whose premium converted into the unpaid credit card amount.
Now I really don't understand that when I never received/used the above mentioned credit card, why I am asked to pay the dues over that card.
I mailed HDFC bank so many times and tried to make them convince that I never received and used that card but they didn't show any interest. I even warned them that "if you don't take me seriously, I will take legal actions against you"; but they didn't give me any satisfactory answer even I was never told that what is going on with my HDFC saving/salary account & when it will be unhold. They just said that our investigation is in process and we will intimate you but I hardly contacted by them for giving any information.
Now at last after getting frustrate and depress, I am challenging HDFC bank for this irresponsible activity. As being the customer of HDFC bank and an "Indian National", I demand HDFC bank to either unhold my saving/salary account with all the money back(with all the interest) or give appropriate proof that I have ever received/used that credit card.
I do request you to take appropriate actions against HDFC bank as because of this entire thing, I have mentally suffered a lot.
I also expect the "Court Of Law" to force HDFC bank to withdraw my name back from the "DEFAULTER LIST" as it really spoiling my reputation and hurting my self-respect. I hope that being the helping body for the consumers, you will review the entire episode and take the appropriate actions against the bank.

Your sincerely
Ravi Bhatnagar
(Network Engineer, Emp Id: 1687)
Progressive Infotech Pvt Ltd,
c-161, Hosery Complex, Phase-ii,
Noida-201301

Ct No:9654498731

HDFC bank saving account no: 00881540041509
HDFC bank customer Id: 23893371
HDFC bank Issued credit card no: 5176521007317771

HI,
I HAVE NEVER USE MY HSBC CREdit card . it just pack like when we first time received.
they had make charge 6546 rs for any policy. i have never take any policy from credit card.
my card is pack then how is this possible they make charge .
i have already discussed with jatin arora who manager of recovery dept.he was telling give card no and detial .but still my charge is not reverse.From 6 months continue i contact HSBC noida branch but they are not giving any response.
Kindly help me for this trouble.


regards
mahendra
9958464328

HI,
I HAVE NEVER USE MY HSBC CREdit card . it just pack like when we first time received.
they had make charge 6546 rs for any policy. i have never take any policy from credit card.
my card is pack then how is this possible they make charge .
i have already discussed with jatin arora who manager of recovery dept.he was telling give card no and detial .but still my charge is not reverse.From 6 months continue i contact HSBC noida branch but they are not giving any response.MY CREDITCARD NO 4384599980366669
Kindly help me for this trouble.


regards
mahendra
9958464328

Dear Sir,
Please read the below mail which I wrote to Icici bank and still awaiting revert from them on this.
*********
Dear Pallavi,
I wanted to write a detail mail to you on my settlement issue.

I had a word with one of your customer care executive (name Himangi)on 22nd of Sept'09.On that day my outstanding amount of credit card settled in 25000/- and I have been instructed to pay this amount in three parts.9000/8000/8000 rs as well as given a reference no by her(SR 119572279).

Rs 9000 to be paid as a 1st installment and within 10 days from 22nd Sept,Rs 8000 to be paid as a 2nd installment and within 25 days of 1 st installment deposit date and last 8000 to be paid as a 3rd and final installment within 25 days of 2nd installment deposit date.

Also after paying first installment one of your executive will come with the settlement letter and collect the PDC of balance two installment.

Now I paid 10000 towards my credit card account on 23rd Sept and to confirm this to in your bank i called up your customer care and for my surprise he told me there is no such settlement.

Now I am in a fix what to do.I immediately need my settlement letter to pay the balance amount on time with the above said detail regarding my payment.

Please do the needful..

Regards,
Mukul.(Cont-09711847268)

credit card account-5177194123487016.
request no-SR119572279.

***********

as you must have judged that on the bank promise I paid the first installment and I am awaiting my settlement letter from them but a little worried from my discussion of 23 rd september as they said that they do not have such settlement request in their record.

Please advise what to do..

Regards,
Mukul

Respected sir,
an employee of hdfc bank cahndigarh section has called us for non-payment of credit card dues. She had used such bobmbastic,rude and untolerable words that such words are unbearable. Her name is neha. These are her phone numbers- 0172-5063028
0172-5056230
0172-5098114
we want justice. Kindly tell us how we can file complaint in consumer court so that this should not be repeated again.
I will be highly thankful to you.
Ravi kant vasal
ph no. 9779743875
h.o 8/9, street no.2/3
vijay nagar, batala road
amritsar
punjab

Hi,

My name is Neelam sing, i hold a salary account with HDFC bank. HDFC has holded my salary for this month because of some Credit card dues on me. Credit card number is - 517635801073037. As per bank I have not made any payments on this card. The card had a limit for 12000/- only. Now credit card department is informaing me that the total amount due on me is 55000/- including all the intreset. I am not sure why i have been charged so much, despite of the fact i never received any statement on the card. Bank has my permanent address and my permanent telephone number. No one contacted me regarding the payment. I fact i contacted Bank back till 2007 which was useless where the CS was not able to provide me any detalis. I always contacted bank so that I can pay the amount i used. I am using HDFC account since for last 4 years. They never holded my money before that, if theywanted to really take the amount, why no one deducted that amount earlier rather then waiting for 3 years when bank have charged me the intreset amount which is very huge. when i recah out to them they do not have answer to this.

Please resolve the issue.

Any help would be great.

Hi,

My HDFC Bank credit card was misused during an online transaction in February 2009 - amounting to around 4000/-. I blocked the card and asked for a re-issue. I also wrote a letter to the bank stating the specific transactions that were a result of unauthorized usage and requested them to not hold those transactions against me.

Till date I haven't heard back from the bank nor have I received my credit card. Today I suddenly get a courier mail from th legal department of the bank stating that since I had not paid the pending amount of 8000/- they are blocking a similar amount from my savings account !

I find it strange that all through the ten months they didn't feel it necessary to communicate with me and neither did their customer care people give me a proper response as to why I hadn't received my card or why I hadn't received any response from the bank regarding my letter and now suddenly they decide to block 8000/- !

Please can you suggest any way out of this. I would be very grateful!

Thank you,
Arnab

Hi,

My name is Sujata.im holding HDFC savings account .no - 00101050065078. and i had already setteled my credit card on 07/07/2009 and had got the settlement letter and reciept..but in 08/08/2009 i got a notice from HDFC bank they are holding all my savings bank amount and will transfer the fund toward credit card on 23/08/2004 as there are some due on the credit card.
after contacting the credit card division they assured they will release the fund but till now they didnt release and the fund has been transfered to credit card..again i went to credit card division and they said they will raise a compalint (i had submiited all the docs.) and i will get an update within 7 working days and i too wrote a mail to hdfc bank customer service..they generated a request bearing no - HBL=008-154-635..
its been 3 days past but i didnt get any update/call from anyone and when i tried reaching customer care on 66003333..i never get a chance to talk to an executive..now how do i know the status of the request..its been a long time i have been struggling to resolve this issue..i have lost all my peace and trust on those guys..its really embarrasing and hard to beleive being such an leading bank if they harass their customers, whom we will trust then??

-Sujata.
cont.No - 9916199930

Please note that I am a customer of HDFC bank and hold a corporate salary a/c with you- -My name is Mr. Saptarsi Halder-

I also have a credit card with your bank- My sb a/c no is-01051140022619 and my credit card no is-5289451001089818

To my surprise, I was sent a legal notice from your bank dated 05th of October2009 and received by me few days back, accusing me of not paying off an outstanding amt of Rs16964.35 against a credit card that is name of Saptarsi Halder only but the card does not belong to me – The card no written on the legal notice was of no-4346772007581837 belonging to one Saptarsi Halder, though I am not that person against whom the notice has been sent

I want to highlight the following major issues

1) Is there any crime to have a name that incidentally may tally with a defaulter of any credit card and in the process get harassed by the bank ?

2) Even if the customer to whom the legal notice has been sent erroneously repeatedly calls up phony banking and branch for support gets rude behavior and anger at being pointed out the mistake by the bank.
3) I have a credit card the no of which is totally different from defaulter’s credit card no, then why did the bank not check the same before shooting a legal notice to a customer who also holds a corporate salary a/c? - Is this my mistake to have a name similar to that of a person who incidentally is a defaulter with your bank?

HDFC Credit cards are good and benefits are also great.

Dear Sir,

I had an HDBC credit card and I never used that card. HDBC bank had started some bajaj allianz policy without my confirmation. Later I cancelled it. But they told that I need to pay a processing charge of around Rs.1000/-. I had told them that I am not going to pay the processing charge as the policy was started without my confirmation. This had happened around 8 months back. But still they are calling monthly once or twice asking for the processing charge. They are telling that now the processing charge will be around Rs. 2900/- because of interest.

Please let me know how to avoid this.

Regards,
Dinakara Shetty

Hdfc bank has cheated with me they didnt deliverd any gold card because i have already a titanium card and they never sent me any gold card 5575 and even they never sent me any bill but now they are saying you have outstanding 91000.00 rs i have sent so many mails to md mr. Aditya puri but there is no positive reply and they put my name in (sibil) and they blocked my saving classic account also and when i am calling to hdfc cust supp no one giving me positive reply since may 2009 i have sent arround 30 e-mails 10 courier 200 calls and arround 5 faxes i have all proof but they are not replying me they are saying they deliver card to my sister ashti and i have already proof to bank she is 13 years old how can you deliverd a credit card to minor and she is saying she didnt rcvd any card. But they are not replying me please take an immidate action
thanks in advance
adil
9837023315

Hello Consumer court
My case is a funny case . I am not a customer for hdfc credit card . My mobile number is wrongly registered in their records 9845524515 .I have been receiving calls in the name of Nandakumar for the credit card payment from the last 10 months .I have replied politely and informed their staff and they are calling and troubling me. When a person gets a wrong call and messages for 10 months what he has to do?

-9036529919-9902755311-8043521300-8043521300-8042080185-2239539550-4430987191- 8040985041-4430987146-4430987175-4430987102-4430987280-223939550- these are some of the numbers.their were times the recovery agent used to call from pay phones and customer care call from different phone and respond in abusive manner.i have lost my temper lot of times, and become very irate.

In spite of saying lot of times that i am not Nandakumar and they are speaking to a wrong person Raju. once i spoke to their manager john once he had advised that the number will be deleted from their records. I have called up customer care lot of times unfortunate they were not in a position to give reference number for the call.
I had visited HDFC bank office near jayanagar 9 block last month they could not help me out of this.
Last option I have thought is to file a case against HDFC and claim compensation.the amount of pain and tension .I have undergone a thyroid surgery recently .
i will be happiest person to file this case.
thanking you
Raju


Raju
1621 east end road 36 cross 9 block jayanagar bangalore -560069
98455524515/ 9886834963