Feb 11th, 2008
The Corporate Manager (Credit Card)
HDFC Bank, PO Box; 8654
Sub: Block Credit card Immediate 5243681100863037
I was using this above mentioned card since 23/06/2007 and was happy using this card, but one day I came to know my credit limit and outstanding increased beyond my limitation instead of, I am paying regular amount to HDFC bank, it is surprised to me, then I had contacted to your bank local at Delhi (Rajori Garden) to meet Apinder (his Mobile number is +919313104992) to understand the interested rate calculation done my bank, Oh! It was really panic for me it is rate of interested rate is 45% PA.
Even I had request few wrong transition was held during 14/01/2008 (double payment to Baja Allianz) and another payment to some US university< which I never obtain and paid amount then I had requested to bank on March 2008 to stop usage of my card because there is dispute, then HDFC did not hear my request and calculated huge number of figure as interest rate and demanding to pay, O! Which I never done such transition from HDFC credit card and HDFC bank asking to pay me… anyway, I Do not know what HDFC done about this complain? I already layoff from my JOB on July 2008, in spite I regular made payment to HDFC till Dec’2008, Same I communicated to Ms. Simaran, Mr. Apinder, but Arpinde calling me 30 call in 15 minutes and he is treads like call again & again my mobile and my residence number without any time limit & frame.
I am surprised, why HDFC hired such un-educated person in bank to destroy reputation of HDFC and forced to break relationship with client.
As I understand from HDFC-Rajori Garden Branch, I already paid to Bank against my outstanding 1, 79, 000 against my credit limited of 2, 91, 000..00 (Please correct if wrong calculation provided by Rajori garden Branch). Now, I am looking forward co-operate from HDFC bank to stop making call to my mobile number and lend line number as harassed my family and me, secondly I am not able to make payment rate @45 % which is my out of scope, really, which I was NOT aware before as rate of interest..I am also requesting please stop calculating interest rate which is NOT practical, I M READY TO PAY INTEREST RATE BASE ON RBI DIRECTION & Guideline, (It is available on RBI website)
I will try to settle my outstanding amount in next six to eight month with mutual understand as I am NOT running away from here or world, but if HDFC creates situation more worst in my family life during this struggle period then I have only option to kill myself and whole family.
So, I requested HDFC, during this time, please cooperate with me as I am honest person to clear all genius outstanding of HDFC ASAP.
Suresh KUMAR Chaurasia.