credit card

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.