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HDFC / threatening call

1 India Review updated:
Contact information:

Today (11th June, 2008) I got a call from a representative of HDFC Bank (name- shubhra, team leader, faridabad branch ph. no. [protected]), she was looking for the contact details of any person, I don’t remember the name exactly, but the way she was talking, and they way she was behaving, I really got frustrated and felt irritated, on the top of that, when I asked her to tell the real purpose of this call, she started speaking all bull ### she could actually speak.

This kind of calls are made at any time of work which is disturbing and time consuming and deviate me from my work. This is definitely affecting my working. The mental torture caused by that call is severe and disturbing me constantly.

Now please advice smb, what should I do?

Pr
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Comments

  • Ch
      23rd of May, 2007
    0 Votes
    Hdfc - Threatening calls
    India

    One mr abhijit rajpal had been calling from 020 30281609. On the 23 may 2007 for at least six times talked very rudely is this customer care? He must be taken to task. How can hdfc employ, hire such guys.

  • As
      1st of Jun, 2007
    0 Votes

    Pal,

    Do not settle for anything, verify lawyers credentials and do not worry read the full mail below and visit the sites I have given and share this knowledge - THIS IS CRUCIAL.

    Good Luck

    A CREDIT CARD VICTIM
    --------------------------------------------------------------------
    First visit www.bankingombudsman.rbi.org.in

    file a case here;Bangalore
    Shri. K.R.Ananda
    C/o Reserve Bank of India
    10/3/8, Nrupathunga Road
    Bangalore-560 001
    Tel.No.080-22210771, 080-22275629
    Fax No.080-22244047
    email: bobangalore@rbi.org.in
    Karnataka

    Mark a copy to : New Delhi
    Shri H Kulshreshtha
    Banking Ombudsman
    Reserve Bank of India Building
    2nd Floor, 6, Sansad marg
    New Delhi - 110001
    Tel No. 011-23725219/23710882/23725445
    Fax No. 011-23725218
    email: bonewdelhi@rbi.org.in

    Next go online and file a case online at


    http://creditcardvictims.org/page/eng

    http://en.wikipedia.org/wiki/Credit_card

    http://www.bcsalliance.com/x_creditcardtricks1.html [ full info on credit cards ]

    Tactics Credit Card Companies Use to Get You to Pay More

    Although the credit card industry earns more than one trillion every year, they aren't satisfied with that, and have adopted dubious tactics to further fatten their wallets. Late and over-the-limit fees now account for more than half of their revenues, so they like to encourage or trick customers into paying some sort of penalty fee. And they are now only getting away with it, but they keep raising their fees up and up -- just a few years ago a penalty fee was about $10. Now the average is $29.00. Consumer groups estimate that soon these fees will average $59.00.

    Late and over-the-limit fees are not the only methods companies use to rake in trillions each year. There are also the credit insurance programs, universal default policies, dishonest marketing campaigns and other stupid card tricks. Many of the major issuers -- First USA (now Chase), Chase, Capital One, Providian (now owned by Washington Mutual), Citibank -- have been sued over allegations of unfair billing practices and accused of blatantly using tactics to cheat customers out of money. Some of these tactics are outlined below.

    Not posting your payment on the day it's received -- Federal law requires credit card companies to post your payment on the date it is received. If they fail to do so, they cannot assess you late charges or added finance charges. Still, a common tactic most card issuers use is to post only those payments received by 9:00 a.m. or 3:00 p.m. on a given date. Payments received at 9:01 a.m. are posted the next day despite the fact that all the major card issuers have payment processing centers that operate 24-hours a day, seven days a week. Best way to fight back: Send in your payment at least 10 days before the due date. If you can't do that for one reason or another, arrange to make your payments electronically by signing up at your credit card issuer's website so you can quickly zap a payment to them and they can't claim that they didn't receive your mailed payment until after the due date. It is interesting to note that almost all of the major credit card banks used to allow customers to quickly zap a payment to them via Paypal.com free of charge. Of course, this must have put a big dent in their late fee revenue so some of them stopped allowing this (Providian and First USA to name two).

    Tricking you in to paying late -- Federal law requires that credit card issuers mail you your statement at least two weeks before the due date, so companies have to resort to other tactics to get you to pay late. You know that your credit card payment is due on the 25th of the month, or do you? Your issuer might suddenly change it to the 20th of each month to try and get you to mail it in late. If it's received late, they will slap you with a $39.00 late fee. If it's late two or more times, they can legally increase your interest rate dramatically, to as much as 29%. At various times, several credit card issuers have even resorted to not mailing out statements at all to encourage customers to pay late under the theory that "it is a courtesy that we mail statements out, not a requirement." [First USA actually used that as an excuse once and lost many customers as a result.]. Best way to fight back: Always open your monthly statement immediately upon receipt and check the due date. Don't be surprised if it has suddenly moved up five days and you received your statement "late". You might have to immediately write a check and get it in the mail that day to allow at least seven days for it to get to them before the due date. You don't want it to arrive at 9:01 on the due date do you? If it does, you will be assessed a late fee.

    Penalizing you for carrying a big balance -- If you carry a high balance on your credit card month-to-month, don't be surprised if you one day notice a small paragraph on your monthly statement that informs you your interest rate is going to increase from 7% to 28% next month. What the credit card company doesn't tell you when you sign up for the card with the low interest rate is that they almost always raise the interest rate dramatically on people who never pay down a high balance on the credit card or carry big balances with other credit card companies. It doesn't matter to them that you have always paid your bills on time and are never late. You can be a customer of theirs for 20 years and never be late or miss a single payment, but one day they will decide that you are no longer a good customer and raise your rate to 28%. [Citibank is notorious for doing this. Every time I see one of their ads in a magazine or TV about how much they love and respect their customers, I want to throw up.]

    Credit card holder wins suit worth Re 1 lakh

    The Statesman 29.5.07

    Arunima Ghosh

    KOLKATA, May 29: Credit cards may be a status symbol to some but for a vast majority of consumers irregularities in credit card bills can cause a great deal of harassment. The recent victory of a credit card holder against a leading bank will be a boost to such consumers who are regularly harassed by their banks.

    A city consumer court has come down heavily on ICICI bank by slapping a fine of Rs 1 lakh, the highest compensation imposed by the court so far for discrepancy in credit card operations. The court of Calcutta District Forum, Unit-II, president Mr TK Ghosh and members Mr H Bhattacharya and Ms R Acharya pulled up the credit card division of the bank for recovering a loan that was never received by the customer. The bank allegedly asked the consumer to repay loan installments along with interest including late fees for a loan amounting to Rs 33,500, supposedly issued by the bank, which was neither solicited nor asked for or received by Mr Kalyan Kumar Sur. The court ordered the bank to pay Mr Sur a litigation cost of Rs 5000 along with compensation worth Rs 1 lakh.

    Mr Sur was taken by surprise when his credit card statements suddenly displayed interest charges. He complained that bank did not respond to his repeated e-mails when he asked the latter to provide him with loan details. Instead the bank allegedly harassed him further by sending loan collectors to his residence.

    The clause 5.1(b) under Reserve Bank of India’s credit card operation guidelines reads: “Unsolicited loan or other credit facility should not be offered to the credit card customers. In case any credit card facility is extended without the consent of the recipient, the credit sponsoring bank will be liable to pay such penalty as may be considered appropriate.” During the court proceedings the bank failed to substantiate with written documents that it had received a loan request from Mr Sur. When contacted ICICI Bank spokesperson in Mumbai said: “We are aware about this case and the bank might appeal before the state commission against the order passed by the city consumer court.”

  • As
      30th of Jun, 2007
    0 Votes

    I am also a victim of the same kind of attitude of banks. I have surrendered my credit cards of HDFC and Standard Chartered Banks by paying them the full amount due in 3 installments as offered by banks. Still they put my name in blacklisted/ social customers list. I am still having good track record with HSBC bank but due to mis communication of an executive I am suffering a lot socially. I am not able to apply for any loan.

    I would like to ask RBI when I paid full amount, How can they put me in social trouble.

  • Im
      19th of Sep, 2007
    0 Votes

    I have been contacted by one of the telecaller of HDFC Personal Dept to avail personal loan since my two wheeler loan has no outstanding. I have informed her many time that my account cannot handle indian currency, so how could I get the loan to my account. She assure me that, i am not the first candidate to this and the amount can be transfered immediately to my HDFC Account. The funny part is the loan got approve in my name and got the sms and a letter to home address for the first installment. Constantly I have been following up with the bank that I have not received any money to my account from the bank. After 10 to 15 visit to the loan dept. then they informed to that they cannot transfer the amount my account. At last I have open an separate account just for the sake of loan. and received the amount the 24th March 2007. and informed them to send an executive or change my account neither of it has been done. Due that it resulted in loan overdue. Hopeless service no customer sanctification at all. Whether the loan is paid or not the person, but they want to deduct the emi's at any cost. They are just bothered in taking money they have not paid and not bothered about their customers!

  • Mu
      11th of Apr, 2009
    0 Votes

    main ne two weeler loan ke liye apply kiya tha mera name: "Mubeen Ahmed Mohammed Iqbal chanda" hai main ne required document se zyada documents diye the 3 year Income tax returns taxable Netprofit 203000/- mere name ka Telephone bill, pan card, light bill, ration card, aap ke executive "aaradhye" ne kaha ke aap showroom main jakar down payment bhar do main abhi approvle letter fax kar raha showroom ke aadmi ne bank ke executive ko phone par baat ki ke aap byke delivery dedo main approvle letter fax kar raha hu, main ne 20000/- rupees down payment showroom main deposit kar diya 6/05/2009 ko ab bank main bole rahe hai ki aap ki file reject hui hai aap ke father ne information wrong di hai verification executive mere father se kuch bhi nahi puchha, aur file reject kardi, main bank ke credit manage se baat ki to oh bole rahe hai ki aap ka koi business hi nahi hai, mere paas 3 years ka Income tax returns hai taxable, pan card, voter id card, telephone bill mera name se, light bill, ration card hum us ghar main 35 saal se rehte hai mere 20000/- rupyee 6 days se showroom main hai, mere paas bank ke customer ki list hai jo aap ke credit manager ne without income proof ke byke delivery di hai bank, aap ki requirement 30% down payment ki thi main ne 42% down payment pay ki credit manager ne kaha ki main aap ka business dekhne aap ke shop par aaonga magar 4 days huye aur mumbai se approvle lunga magar oh 6 days se rooz ghhuma raha hai
    mera email id hai (mubeenic@yahoo.com) aur mobile no.9960180140

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