You have posted that:
--- “however they only used to say that you need to pay the minimum amount due then next month the card will go for settlement which never happened.”
Did you obtain complain/transaction/reference number or did the CCE issue it on its own and did you record the call?
Do you have the call history/bills e.g; date, time, your phone number from which call was made, phone number at which call was made?
Make another call and speak all dates, phone numbers, time, name of CCE and brief minutes of discussion (record this call) and ask the CCE to place the call to Manager and demand to listen to the calls and state what you reported is true or not and demand call recordings and offer to provide the CD and postage prepaid self addressed envelope to supply you the CD. YOU may also demand to read the notes entered by CCE word by word pertaining to calls made by you.
It is almost certain that call recordings shall not be supplied to you and CCE must have noted something else in computer note book as per drop down box provided to him/her.
Do not forget to record this call.
---“collection people are harassing me and are trying to act rigid that you'll have to pay and we'll take it from you.”
It is a veiled or even direct threat. Did you record these calls?
The recovery agencies and bank have to follow the guidelines issued by RBI and can’t be rude, intimidating.
Bank has to maintain the list of its recovery agencies on its website and has to supply you the letter/notice providing the details of recovery agency to which your case has been referred b y bank.
If you wish you can order them not to call you on phone and transact only by letter thru redg. Post.
Once ordered they can’t call you on your phone which is your property.
---“unusual interest charges and surprisingly that is much less that what bank calculates. I feel they cheat us on the statements too.”
If it is so you may issue the notice to MD of the bank Aditya Puri with a copy to RBI, BO.
aditya.puri@hdfcbank.com
and
Smt. Uma Subramaniam
Chief General Manager -in-Charge
Department of Non-Banking Supervision
Central Office
Centre I, World Trade Centre, Cuffe Parade
Mumbai-400 005.
Phone: 022-22153350
Email id: cgmicdnbsco@rbi.org.in
THE DETAILED DUTIES OF DNBS CAN BE SEEN AT:
( DNBS: Dept. of Non banking Services)
https://www.rbi.org.in/scripttts/AboutUsDisplay.aspx?pg=Depts.htm#DNBS
YOU MAY ALSO LODGE A COMPLAINT WITH:
. D Subbarao
Governor
Reserve Bank of India
Central Office Building
18th Floor, Shahid Bhagat Singh Road
Mumbai-400 001.
022-22660868
You may obtain the address of BO of your area from RBI website.
You may add that bank shall not send your details to CIBIL, Experian, Equiafax, Master Card negative feedback list, etc…………………………………………
You may also issue notice to CIBIL to not to include your name in list of defaulters.
If you are willing you can approach your lawyer to obtain injunction from court.
---“I have sent two notices to customer care for which no acknowledgement was received on asking as well, also I have sent the notice and a draft of my proposal for settlement to the nodal officer.”
If it is sent by email then bank has to supply the auto generated reference number by return of email.
It shall be appropriate to approach a lawyer handling such cases and proceed under expert advice of your lawyer.
There are many threads on CC that you may find relevant.
https://www.lawyersclubindia.com/forum/Harrasment-by-icici-banks-recovery-agents-76271.asp#.UUc5U0pFZ_4
https://www.lawyersclubindia.com/forum/Standard-chartered-and-shaha-finlease-95120.asp#.Utl35tK6a3Y
https://www.lawyersclubindia.com/experts/Credit-card-problem--446451.asp#.Utl4H9K6a3Y
https://www.lawyersclubindia.com/experts/Credit-card-defaulter-time-limitations--446061.asp#.Us7ig9IW1MA
https://www.lawyersclubindia.com/experts/Credit-card-debt-448106.asp#.UvpMrEeBmXU
https://www.lawyersclubindia.com/forum/Standard-chartered-and-shaha-finlease-95120.asp#.Utl35tK6a3Y
https://www.lawyersclubindia.com/experts/Credit-card-problem--446451.asp#.Utl4H9K6a3Y
https://www.lawyersclubindia.com/experts/Credit-card-defaulter-time-limitations--446061.asp#.Us7ig9IW1MA
https://www.lawyersclubindia.com/forum/Harrasment-by-icici-banks-recovery-agents-76271.asp#.UUc5U0pFZ_4
https://www.lawyersclubindia.com/experts/Credit-card-debt-448106.asp#.UvpMrEeBmXU
https://www.lawyersclubindia.com/forum/Standard-chartered-and-shaha-finlease-95120.asp#.Usvvc9IW1MA
https://www.lawyersclubindia.com/experts/Credit-card-payment-443961.asp#.UsvwjNIW1MA
https://www.lawyersclubindia.com/forum/Credit-card-robbery-fraud-in-china-94830.asp#.UsvwUtIW1MA
https://www.lawyersclubindia.com/experts/Harassment-by-recovery-agents--442841.asp#.UrhGa9IW1MA
https://www.lawyersclubindia.com/forum/Harrasment-by-icici-banks-recovery-agents-76271.asp#.UUc5U0pFZ_4
https://www.lawyersclubindia.com/forum/Salary-account-freeze-without-my-notice-95425.asp#.UswXWNIW1MA
