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Tuesday, April 26, 2022

MESSAGE FROM HDFC BANK Sudalai Kumar, bank issued notice to pay outstanding dues otherwise face consequential action

---------- Forwarded message ---------
From: Sudalai Kumar <ss.kumar1987@gmail.com>
Date: Tue 26 Apr, 2022, 10:50
To: NALSA <nalsa-dla@nic.in>, <cr.nhrc@nic.in>, Bala <balasubramanian.energyaudit@gmail.com>, Mahesh Pratap Singh Yogi M P Singh <yogimpsingh@gmail.com>, <customer.service@hdfc.com>

                     They will take legal action for not paying with the credit card due, but they are not giving me money FD amount deposited in their bank account. Releases that money after deducting the credit card due but they are not listening to me. The current situation in India for the youth population is the Bitter Truth: Indians may become older, but not richer. More than half of the 900 million Indians of legal working age — roughly the population of the U.S. and Russia combined — don't want a job, according to the CMIE.
Only NPNS can be richer if they work in rooms. PAS will be older even if they show their intelligence or physical capabilities to the maximum extent. 
A growing number of India's workforce are no longer looking for jobs. Why? (msn.com)
---------- Forwarded message ---------
From: HDFC BANK <Payment.Reminder@pic.hdfcbank.net>
Date: Sat, Apr 23, 2022 at 5:16 AM
To: <ss.kumar1987@gmail.com>

Dear Customer,

We hope this e-mail finds you and your family in good health.

Your Alternative a/c no. 0001014560004088535
YOUR HDFC Bank International Credit Card No.489377XXXXXX8531

Current Balance Rs: 38955.50

Your continued failure/refusal to clear the outstanding amount on your above credit card has constrained us to consider legal action against you for the recovery of dues owed to us.

In the event that you fail to respond to this notice, appropriate legal action will be initiated against you for the recovery of the due amount. The amount outstanding as due and payable by you on the card account as of this day stands at Rs.38955.50/- .

You may please take note of the fact that interest and other charges at contractual rates will continually accrue on your card account till the date of liquidation of the dues.

To avoid initiation of legal action for the recovery of outstanding dues and the ensuing consequences, please contact us within 15 days from the date of this letter with a payment of Rs. 38955.50

Please note that as already informed through Card Member Agreement and further communication, your conduct of the card has been shared with other banks, institutions, Credit Information Companies and Statutory bodies. Please be informed that your account has also been assigned to our external associates for liaising with you for payment of dues. Please refer to the annexure enclosed herewith.

It is imperative for all customers to ensure that their contact address and details are updated correctly in our records. If there has been a change in your contact details (mobile no/address/email ID), please get in touch with the bank to get the same refreshed. This is essential so that you can receive periodic communique from the bank towards your loan/card account.

Under the Credit Information Companies (Regulations) Act 2005, Bank is required to share information on loan repayment with TransUnion CIBIL and other credit information companies. Please ensure to make timely repayment of your outstanding dues to avoid any negative impact on your credit score.

If you have already made a payment or settled as per the schedule of the settlement letter issued by the bank, please disregard this letter and accept our apologies for the inconvenience caused.

The list of recovery associates empanelled with the bank is available in the link below:

You can view the model collection policy of the bank from the link below:

Yours Sincerely,
Officer – Retail Portfolio Management

This is a computer generated reminder and does not require a signature.

Non payment / Overlimit usage of card accounts will lead to levy of the following charges as applicable.

Finance charges - Upto 3.6% and as applicable to your card account
Late Payment charges - Upto Rs.1300 and as applicable to your card account
Overlimit Usage charges - 2.5% of the over limit amount with a minimum of Rs.550
Payment return charges - 2% of the payment amount with a minimum of Rs.450


The Bank has in place a model policy on collections of dues and repossession of security that is available on the Bank's website (www.hdfcbank.com). An extract from the policy is given below for your ready reference.

Collection of Dues:

Whenever we give loan, we will explain to you the repayment process by way of amount tenure and periodicity of repayment. However, if you do not adhere to repayment schedule, a defined process in accordance with the laws of the land will be followed for recovery of dues. The process will involve reminding you by sending you notice or by making personal visits and/or repossession of security if any.

Our collection policy is built on courtesy, fair treatment and persuasion. We believe in fostering customer confidence and long-term relationship. Our staff or any person authorized to represent us in collection of dues or/and security repossession will identify himself/herself and display the authority letter issued by us and upon request display(ing) to you his/her identity card issued by the bank or under authority of the bank. We will provide you with all the information regarding dues and will endeavor to give sufficient notice for payment of dues.

All the members of the staff or any person authorized to represent our bank in collection or/and security repossession would follow the guidelines set out below:

a. You would be contacted ordinarily at the place of your choice and in the absence of any specified place at the place of your residence and if unavailable at your residence, at the place of business/occupation.
b. Identity & authority to represent would be made known to you at the first instance.
c. Every agent visiting you carries a bank issued identity card imprinted with a unique QR code. You may verify the details of agent by scanning the QR code
d. Your privacy would be respected.
e. Interaction with you would be in a civil manner
f. Normally our representatives will contact you between 07:00 hours and 19:00 hours, unless the special circumstances of your business or occupation require otherwise.
g. Your requests to avoid calls at a particular time or at a particular place would be honored as far as possible.
h. Time and number of calls and contents of conversation would be documented.
i. All assistance would be given to resolve disputes or differences regarding dues in a mutually acceptable and in an orderly manner.
j. During visits to your place for dues collection, decency and decorum would be maintained.
k. Inappropriate occasions such as bereavement in the family or such other calamitous occasions would be avoided for making calls/visits to collect dues.
l. Bank issues digital receipts through an sms near realtime for payments deposited to our authorised agent. You may verify the authenticity of the agent by scanning the QR code imprinted on their identity card.

Security Repossession Policy Statement:

We will follow a security repossession policy in consonance with the law. A copy of the policy will be made available on request.

If at any time you observe that either our staff or outsourced agencies have violated any of the above provisions, please feel free to contact our toll-free help line which is 1800 224 060 from your city.

If you are not the intender recipient of this letter(or e-mail) or if the specified card number does not belong to you, please do write in to us at

You may also feel free to write to our Collections Code Compliance Officers mentioned below in case your grievances have not been addressed by the above help line :

Name : Mr. Debjyoti Datta
Contact Number : 011-66668103
Email ID : Codecomplianceofficer-cards@hdfcbank.com

Best Regards,
Dr. S. Sudalai Kumar M.Sc.,Ph.D.,
Farmer, Cow herder and Agriculturalist
Dr Farmers, Nanguneri Taluk
Tirunelveli 627108.

सत्य परेशान हो सकता है,
लेकिन पराजित नहीं!!-भगवान श्री कृष्ण.