Mishandling of funds from my accounts
Lorax Michael
(Querist) 14 May 2014
This query is : Resolved
I have a credit card issued by HDFC Bank in 2005 OR 2006 at that time I have an account sec- 14 branch in Gurgaon. Haryana I used that card but that card was lost on 19 jul 2007.Reported the same to their customer service department on the same day.
This also I confirmed when I called to their credit card department last year on Mar 2013.
I received the first call from the bank in 2009 when my company open another salaried account with the same bank in different branch.
I asked them to send me the statement but no one has send that till the time they have taken the whole salary of mine in 28 Feb 2013.
The statement I received via email on 14 Mar 2013,but they were claiming they were sending the statement regularly but I haven't received.
Now they have taken 1,00540 from my account on 28 Feb 2013 without any prior notice and the notice I received in Mar 2013 after they took the money out.
I have their emails which they sent.
Can I do something for this matter.
ajay sethi
(Expert) 14 May 2014
issue legal notice to bank regarding deficiency in service and also file complaint with consumer forum for recovery of Rs 1 lakh debited to your account .
if you had reported loss of credit card and you have documentary evidence to that effect you cannot be liable for transactions that have taken place after you report loss of credit card to the bank
V R SHROFF
(Expert) 14 May 2014
Agreed with Shri Sethi.
You have a good case to fight it out.
Liability is time barred too. [past over 6 years.]cannot recover.
Rajendra K Goyal
(Expert) 14 May 2014
Send a legal notice and file consumer complaint.
Agree with the advises of experts.
In Gurgaon Lok Adalat (Public Utility Service) is also operating, it has some positive points (early decision as cases are less at present while Consumer forum is deciding cases of 2011-12 or of earlier at present).
