I have requested to create an security account with hdfc bank, madipakkam branch, chennai. I am an nri staying in singapore. If I send thru post, they used to convey the message from bombay office "they never receive the documents". This time I personally submitted to the branch on last nov 2008. I have been following up with them for the account status.in march I got a answer from the bank "the forms which I personally submitted to the branch is missing". Somebody named "ganesh", zonal manager for south called me on this issue and stated that this is quite normal in hdfc bank and they want to sign again one more documents. I really felt ashamed on the service provided by them. Is somebody knows how to proceed legally?