john (na) 24 December 2013

credit card payment

Hi experts, I am using HDFC credit card. Having outstanding amount 152000. Due to my health problem i lost my job. I am facing some financial problem. So i cannot able to pay last monyh CC payment. I got this month statement. Due date 07.01.2013. So i have planned to sell my plot and settle.everything and open any small business. But 17.12.2013. Onwards i am getting call from hdfc collection agents. They speaking very rudely and they called my mother number and one of the collection agent told my mother " we can able to destroy ur son life. So pay the payment immediately". And i email customer care and asked wait for due date. I will arrange the amount and settle everything but they not accept asking the amount immediately. Now what i will do. I need atleast one month time to arrange the amount and settle and also avoid threaten calls. Please advice. Regards, John

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Kumar Doab (FIN) 24 December 2013

This bank and its CC operation has been notorious.

It is better to avoid banking wit them.

The bank and its collection and recovery agents have no right to call your mother or any one.

The bank and its collection and recovery agents can not use the threat and language posted by you.

Record such calls.

Issue a warning to its MD: Aditya Puri

aditya.puri@hdfcbank.com

and demand to beg apology in writing at once and supply you the name, designation, full address of the Bank employee/Manager that is in charge for this collection call, and bank employee/agent that made this call, and full name, address of the Prop. and his agency that made this(these calls) and agent of the agency that made the calls.

As far as payment is concerned the CC company at the most charge penalty that too at the rate that is acceptable to you.

The whole effort is to extract as much as possible before you approach your lawyer and learn about your rights.

If you do not wish to receive any call order those to stop phone calls and send whatsoever communication they want to send by letter thru redg. post only.

Your phone is your property and no one can call without your permission.

For their threats you can lodge a complaint with police.

Unite with eminent members of your locality and caution the local BM in nearest branch of the bank with crowd of your well wishers, in writing under acknowledgment.

You may go thru elaborate discussion at:

https://www.lawyersclubindia.com/forum/Harrasment-by-icici-banks-recovery-agents-76271.asp#.Urmg4NIW1MA

https://www.lawyersclubindia.com/experts/Harassment-by-recovery-agents--442841.asp#.UrmfPNIW1MA

https://www.lawyersclubindia.com/experts/Credit-card-outstanding-dues-442626.asp#.UrmgTtIW1MA

https://www.lawyersclubindia.com/forum/Loan-recovery-limitation-54748.asp#.UrbHnNIW1MA

https://www.lawyersclubindia.com/forum/Credit-card-debt-i-did-not-know-i-had-81301.asp#.UrbLlNIW1MA