HDFC Bank Card Collection Harrasment

Hello Team, I have been receiving Collection calls from HDFC Credit Card Collection department. Time and again I have asked the bank to provide me easy EMI option as we have some medical urgency back home due to which I am unable to pay in full. The bank always excused me saying you are not eligible and charged me wrongly at times which has not yet been resolved. I have all the emails from Bank declining my request for Easy EMI option. MY Question is: WHAT EASY EMI OPTION IS FOR IF YOU CAN NOT PROVIDE IT TO A PERSON IN NEED. THE BANK PEOPLE WERE INSISITING ME TO HAVE THE DEBT SETTLEMENT WHICH WILL AFFECT MY CIBIL AND WILL SHOW ME AS A DEFAULTER. IF I PERSON IS WILLING TO PAY AND THE BANK HAS THE EASY EMI OPTION THEN WHY THE BANK FORCE THE PERSON TO BE DEFAULTER. I HAVE ALWAYS PAID MY DEBTS ON TIME. However, the bank did not acknowledge ever the long term customer and their loyalties. The collection company was always rude and have always threatened me. When I have complained that the company is threatening me, the Bank just apologized and the issue becomes on-going. After the last incident, I have asked the Bank to call me from recorded lines which was never taken into consideration. The reason given to me is that I did not pick the calls.

Recently, the collection executive called me from the personal number and threatens me that they will send the agent and will insult me if I will not pay. The number was 9278667427; the number owner threatened & abused me over message and over the phone. I have all the details saved in my phone. Even the collection department has called at my Mother’s number and asked them to pay anyhow. When I have complained about the same, the assistant manager in collection company said If you will not pay bank dues on time, you will receive such calls. This is disgusting. I have never said no to pay Bank. All this is against the RBI Guidelines for Collection Companies. Would request you to please look into this matter and provide appropriate solution.

Thanks & Regards,
Timsy Jethy
Email Id: timsy.jethy@gmail.

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