Complaint Details

Status	:	Closed
Complaint No	:	0031652/2014
Category	:	Banking
Date	:	16-09-2014
Subject Line	:	Blocking my salary when the settlement is done 5 years before
Complainant	:	Mallika Roy
Address	:	Chinchpada, kalyan East
Complainee	:	HDFC BANK CARDS DIVISION
Address	:	8, lattice bridge road, Thiruvanmiyur

Complaint Details
This is with reference to your UNLAWFUL UNCALLED for blocking of my salary for the month of September 2014. I was told that my dues for a certain HDFC credit card XXXX-XXXX-XXX-2024 were unpaid because of which my entire salary amount would be blocked until those are cleared. HOWEVER, I would like to bring to your notice that these dues were cleared in the year 2010. In March 2010, My family was harassed for the credit card payment. The Recovery agent used to come home every day and had passed derogatory remarks to my mother. We settled the credit card for 17000- with 5 installments for 3400- each and gave them post dated check. First 3 checks got cleared and due to health issue my father couldnt deposit the money in the account and asked the agent to collect cash instead. The 4th Installment was collected in cash from my residence but the check was not returned to us and was deposited in the bank twice and the bouncing charges of Rs. 800- was applied. When we call to complain in the HDFC credit card division they denied to help saying this is a recovery case and they wont be able to help us. Hence we decided to pay the fifth and the last installment in cash so that we can complain to recovery team. When we complained and demanded for the bouncing charges and asked him why they deposit the check when they collected cash already, agent said he forgot to make the payment to the bank and hence we can pay him Rs.400 less in the final installment and pay only Rs. 3000 instead of Rs. 3400 only. After the payment was cleared we called the agent for the NOC letter. DESPITE SEVERAL PROMISES AND ASSURANCES OF IT BEING COURIERED TO ME, I NEVER RECEIVED IT.The 4th installment check was again deposited in the month of October 2010 twice but no one could help us with our concern.The Bank has no records of my credit card status or payment , everytime they have different information. After sending them the settlement letter the receipts the bank come back and tell me that my outstanding is 170,000- because my settlement was voided as there was short of Rs. 400. THIS IS THE YEAR 2014. My dues were cleared in 2010 ITSELF. Now after 4 years nearly 50 months... I realized the HDFC bank has put a hold in my HDFC salary account and froze my September months salary. How can they block such an amount 4 years later, WITHOUT ANY PRIOR NOTICEWARNINGINFORMING Plus, when my colleagues got their salaries, and I didnt, I found out myself. NOBODY from your bank bothered to even call me. And what is absolutely surprising is that I PAID MY DUES IN 2010 for which I have PROOF. . Why did the bank deposited my 4th Installment check twice after collecting the money and twice again after all the payments were made2. Why did the recovery agent agreed for 400 Rs. less and made the receipt3. Why the bank waited for 4 years for settlement now claiming for a bigger amount4. If according to the bank i have to pay the interest for Rs 400- which was short, shouldnt the bank pay the me the interest for 1200- for the bouncing charges for there fraudulent act of depositing the check

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