Complaint Details

Status	:	Closed
Complaint No	:	0116982/2020
Category	:	Banking
Date	:	30-05-2020
Subject Line	:	Request for Cancellation (BT Loan request) and Refund Emi
Complainant	:	DEPAK KAUSHIK
Address	:	E-42A, VISHWAS PARK, UTTAM NAGAR
Complainee	:	HDFC BANK
Address	:	moti nagar, hdfc branch

Complaint Details
I have requested balance transfer (BT) personal Loan from citi bank to hdfc bank.. I have requested please provide me ACH facility but they gave me Demand draft (DD) and send at my home address. I have raised cancelation request to Mr. Mohammad (PH- 9149337492) HDFC bank executive stated please cancel this Personal loan on 26TH FEB 2020 on the contrary hdfc bank executive has ensured me your loan will be cancel in 1 week and no EMI Deducted in the month of March, but on 6th march 2020 HDFC has deducted the EMI from my saving account..then after I have returned their DD in moti nagar branch via DTDC courier with docket no# Z45756703 on 16th MARCH 2020.
Furthermore, I have send lot of reminders via email from beginning to TOP level on weekly basis but I haven’t receive any positive response, on 20th March 2020 HDFC loan support team has response me stated “We wish to inform you that we had taken Product approval for cancellation of loan beyond 15 days with waiver in foreclosure charges, Processing fee, stamp duty and interest” then after they have reversed processing fees and other charges, but my complaint is not related to refund the processing fees whereas I have requested please cancel this BT PERSONAL LOAN AND REFUND MY EMI because this product sold to me on fake promise and commitment… I have requested before issuing the DD I want to transfer the amount via ACH Facility instead of Demand Draft(DD)…
I have already file an complaint via ONLINE LEGAL INDIA (attached) but HDFC bank didn’t provide me the solution after receiving the LEGAL NOTICE just only send an automatic reply due to COVID-19 we have limited staff so your complaint will take 12-14 days… nothing else… and didn’t close this fraudulent Loan and deduct EMI ON MONTHLY BASIS FROM LAST 3 MONTH....
Note:- When I didn’t take a single penny from HDFC bank then how they can deduct an EMI from my saving account..... Please file a complaint against HDFC BANK along with legal action immediately.... I haven't receive any positive response from anywhere till yet. And still HDFC BANK are deducting EMI on monthly basis. Please help me. Or suggest what I should do for this fraudulent activity which has been performed by HDFC BANK..
I have documented complete conversation with HDFC executive along with Voice note where he has promise me all the things which I have requested.
Regards,
Depak KAUSHIK

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