credit card
5 years ago
A team of personnel including Mr.Lawrence (Contact No.8489748347) and Mr.Karthi (Contact No.9382290318) of Vellore District approached me, saying that HDFC offers personal loans at my door step, at a very low interest rate. Through them, I have taken a personal loan of Rs.7, 00,000 (Seven Lakhs only) in September 2017 from HDFC with loan no.50966904.
I paid the EMI promptly through ECS and due to my honest repayment when I asked for a top-up loan for Rs.12,00,000 (Twelve lakhs only) they gave through loan no.53781356 in January 2018. The repayment is going on till now through ECS (No dispute with this loan or its repayment).
In September 2017, when they sanctioned the loan (50966904), they have sent me credit card in October 2017. I thought that the usage of HDFC credit card may be a mandatory for loan borrowers of HDFC. But when I enquired the matter to Mr.Lawrence (responsible for my loan processing), he said that he had not given any option for issuing a credit card on taking a HDFC loan at the time of applying. Hence, I kept quiet.
When I found my cell phone has been recharged by an unknown, I doubted with credit card activation. So, I informed immediately to the Loan processor (Mr.Lawrence). He commented that an unemployed youth wing purposely works on this and irritates every HDFC loan customer by means of Credit card. He requested to calm down in this regard, when I rose to the occasion.
Bearing all the inconveniences given by HDFC, I do not give any chance for accepting or operating any credit card. But, in a fraudulent manner, they have done a top-up to my cell phone for five months, on which I have no control to stop them. It is obvious that anyone can top-up any mobile number. I informed Mr.Lawrence whenever I get a credit loan statement.
So, I am continuously harassed by the HDFC credit card division in Chennai. It has become a habitual talk for the collection centre at Chennai to show their supremacy over me, when I started to argue with them for payment of the credit card that is UNOPENED and UNUSED.
Many a time, I had sarcastic/bad comments from them and my health suffered a lot on hearing the words from them. They will not allow me to express my feeling or to find a solution to my problem. They insisted me only to pay the amount for the credit card. I wanted to quote all the phone numbers that had emotionally disturbed and threatened to block loans through CIBIL score.
They are: 044-66920578, 044-66458500, 044-66818739, 044-66818957, 9884563978, 7639542195 etc., When I said that I have not opened the cover even to pay the debt, they have not recognized my request. They added fuel to the issue leading to more emotional harassment, in turn, loss of physical and mental health. Because of their continuous annoyance, I took more medical leave also. This is true with my school records also. They totally threatened me that they would recommend CIBIL to reduce my score.
In addition to the above, I applied for another personal loan in HDFC with Loan No.61272138 on 25/09/2018. But, when I am unable to get the amount, I doubted HDFC and verified CIBIL score. Then I came to understand that the credit card that they sent to me had made a wrong remark on my loan repayment history in the CIBIL score.
Shocked with the situation, I tried Mr.Lawrence to know further. But my trials ended in vain. I am completely upset with the CIBIL report. So, I convinced myself and paid Rs.3945/- (Three thousand Nine Hundred Forty Five only) thorough net banking to HDFC Credit Card Division.
From November 2017, HDFC is continuously sending SMS/E-mails and Phone calls that I have to pay a huge amount towards the credit card which I NEVER OPENED OR USED. It is to be noted that I can easily top-up my cell phone during my leisure time. But I have been forced to take half-a-day leave from my duty to travel 60 kilometers (to and fro) to repay Rs.100 to a nearly HDFC bank branch.
WHEN I DID NOT ASK WHY DO THEY SEND WITHOUT MY CONSENT? WHEN I DID NOT OPEN MY CARD, HOW DO I KNOW THE NUMBER TO REPAY? WHEN I DID NOT USE WHY SHOULD I PAY?
I tried the same with and got it and then paid Rs.3945/- through net banking. Now, to the maximum extreme, the bank, through the above said loan team at Katpadi (Vellore), is harassing me by means of SMS, E-mail, phone calls at all times. They threatened me and spoiled my CIBIL score as a failed borrower. They added that they would block me in getting loans from any other banks in future. (It is happening now). They are doing in such a way that I can’t do my duty peacefully. They enforce a continuous and a collective harassment to my physical and mental health. Where persons like me shall would find solution to lead a harmless life?
Because of HDFC, I have been certified as a failed borrower by CIBIL. I cannot get any banking support further. Hence, I need a compensation recovery for my emotional and physical hazards created by HDFC.
ARPIT BATRA
Responded 5 years ago
Deepak Yashwantrao Bade
Responded 5 years ago
Rajender Prasad
Responded 5 years ago
You have the right to go to the Court of Law if you have been cheated. Before you move to the Court it would be appreciated if you can bring this matter to the notice of the Local Branch Manager, Regional Manager and also the ONBUDSMAN for the bank appointed by Reserve Bank of India.
You can also go the Consumer Court for quick redressal of your grievances.
Shanti Ranjan Behera,Advocate
The Supreme Court in a landmark judgement reiterated its earlier stand that banks cannot deploy musclemen for recovery of loans from defaulters thus forcing them to end their lives.
"We deem it appropriate to remind the banks and other financial institutions that we live in a civilised country and are governed by the rule of law," a bench comprising Justices Tarun Chatterjee and Dalveer Bhandari said.
The court while dismissing the ICICI Bank's plea refused to delete the Delhi High Court's remarks that held the bank and its musclemen responsible for abetting a youth to commit suicide by humiliating him and taking away his motorcycle financed by the largest private sector bank.
It also asked the ICICI Bank to to pay Rs 25,000 as cost of this litigation to the respondents within three weeks and directed the Delhi Police to conclude the investigation against the bank expeditiously within three months, keeping in view the gravity of the allegations.
The court also directed the concerned Deputy Commissioner of Police to submit the investigation report in the Delhi High Court.
According to the court, complaints received by Reserve Bank regarding violation of the above guidelines and adoption of abusive practices followed by banks recovery agents would be viewed seriously.
Reiterating the RBI Guidelines on Engagement of Recovery Agents, the court said, "The Reserve Bank may consider imposing a ban on a bank from engaging recovery agents in a particular area, either jurisdictional or functional, for a limited period. In case of persistent breach of above guidelines, Reserve Bank may consider extending the period of ban or the area of ban."
"RBI had expressed its concern about the number of litigations filed against the banks in the recent past for engaging recovery agents who have purportedly violated the law," Justice Bhandari, writing the verdict for the bench, stated.
RBI in a letter accompanying its April 24, 2008 Guidelines had stated that it might consider imposing a ban on a bank from engaging recovery agents in a particular area, either jurisdictional or functional, for a limited period.
ICICI Bank had moved the apex court seeking deletion of some paragraphs in the High Court order which had said that "...the proximate cause of death of the deceased that led him to commit suicide was on account of humiliation caused by the Bank people from where loan was taken by him."
"The modus-operandi employed by the banks like ICICI for realisation of their loan amount and for recovering the possession of the vehicle against which loans are given is extra legal and by no stretch of imagination they can be permitted to employ musclemen and goons for recovery of their dues even from a defaulting party," the High Court had observed.
The High Court order had come on a petition filed by Shanti Devi Sharma, the deceased's mother, seeking a probe against the ICICI bank and its staff for the unlawful action, which led to the suicide of her 34-year old son Himanshu Dev Sharma.
Sharma had committed suicide in October 2005 by hanging himself at his house after he was allegedly intimidated and humiliated in front of his neighbours and family by recovery agents employed by the bank for recovering the loan amount taken for his motorcycle.
The ICICI Bank had contended that it was within its rights to recover loans and had followed the required procedure for recovering dues.
Write a grievance letter to the HDFC bank corporate office, the Branch where you have the account, to the HDFC credit card main office and copy of all to the BANKING OMBUDSMAN.
Along with this file a consumer case for deficiency and fraudulent services and ask for huge compensation.
Not only that file FIR at the local police station against HDFC credit card company stating that they have cheated and committed fraud with you. Also add that somebody is harassing you by calling your number.
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