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HDFC Bank Employee Fraud , Forgery , Robb and Cheat

Good morning sir ,

Please send me TN receipt and INVOICE with signature and Seal .

Please send me sir , the copy of Booklet so called Loan application
that is processed for the Loan Application .


Please note : agriculture period ends in next 5days , so after that I
can't borrow the money from farmers to repay the loan, I'm able to
borrow the money  till 09-10-2015 days from farmers , so I can repay
it if corrected before 09-10-2015 , otherwise I'm not able to repay it
for my life time


Please refund my money 1328-119rs = 137rs  and  2700rs Vehicle price
loss , till that from today onwards I will put 100rs fine everyday for
your peoples ..

One important note -  This Bike do not get start first time in the day
with even Choke .I have to kick 15 to 20 times , on luck it get start
. so Please take back the Bike .
 if this problem continues  I will not repay the Loan and you have to
give me back 17600rs plus 1200rs , 600rs 652rs and 120rs number plate
print.  you please come to my home , I will show it , or you only try
to kick start this bike you will come to know . I can't do it in
middle of the road and morning time when I have to go very urgently .
if continues like this , this bike becomes useless . HERO  bikes
should start immediately on first kick only , or max with choke .


Please forward the copy of this message to Mr Sudharshan Yemula .

Sudharshan sir, I have following questions to you

1) how can Bank able to process the Loan application agreement for
34043rs Loan amount when I need remaining money to buy vehicle price
is 31400rs upon 17600rs and 1200rs down payment right ? I took TN
recipe for 17600rs and 1200rs through Hero Showroom MD itself.

2) and for account holders there is 2 percent lower interest rate , so
how can Bank process Loan application agreement for 13.5 percent right ?

3) in the same sense , you said Signature is matched right ? then my
question is why do I sign for 34043rs when I need remaining money is
31400rs to buy Bike right ?

4) in the same sense , you said signature is matched right ? then why
do I sign for 13.5 percent interest rate when there is 11.5 percent
interest rate right so called 2 percent lower interest rate?

5) lets say for example , even customer signed to the Loan agreement
Booklet , you can not process the Loan for 34043rs with 13.59 percent
interest rate right ? because , Reaming amount needed to buy vehicle
is 31400rs and there is 11.5 percent interest rate for account holders
. so Loan becomes INVALID right? .

6) Again , You said signature are matching right , So after I
purchased the vehicle,  I got a SMS about Disbursed Loan amount
34043rs which i did not applied, on the same day I took it all to Bank
Person's attention named Siddaesh and email is sent to HDFC Bank on
July 21st 2015 , so even signature is NOT matched OR MATCHED why they
did not corrected it all right on that day? why they did not raised
the question about
signature matching on that day 21st July 2015 and about cancellation ?
why now ? why they did not moved to court immediately ? why they not
given the police complaint on this and on me ? or on Siddaesh right? .
how they can draw the Cheque which results in Cheque Bounce after I
informed it right?


7) when this case is ongoing, how allowed to Siddaesh to resign the Job ?.

8) I took the Loan for the purchase of Vehicle , not for taking the
Personal insurance .

9) there is no example in the world, taken the Loan to apply for the
personal insurance right ?

10) I did not have money for just 31400rs to buy bike right ? so in
such poor condition I taken the loan for 31400rs so how I can use the
Loan money to apply for the personal insurance ? so in such poor
condition and when even I do not have money for just 31400rs , why do
I take the Loan to apply for the personal insurance right? .

11) I took the Loan for very Low amount right ? it is not 3lack or
30lack that means not Big Loan amount right, then how I can apply for
Personal insurance with this low loan amount right? and through this
Loan amount in this my financial poor condition right? and also I'm
not traveling around the world right? and not through aeroplane or Bus
right ?


12) Again , loan agreement is made for 11.5 percent and 31900rs, so
you can not take my signature for 13.59 percent interest rate and
34043rs loan agreement because remaining money needed to buy vehicle
is 31400rs and there is 2 percent lower interest rate  account holders
right ?

13) so question about signature Matching and agreement is INVALID and
non sense .

14) again I repeating,  I took the Two wheeler loan , so nobody not
able to use that amount for personal insurance and applying yourself .
is there any insurance loan in this world like two Wheeler loan?.


15) Mr Sudarshan sir , now started saying Signature is matching for
the agreement,  so I request him to go through my above points  . okay
lest say Yes to Sudarshan sir , so Signatures should match then only
bank able to accept it all right ? otherwise how Bank will able to
accept it ? Otherwise no use of forgery . forgery is made in the way
bank should accept it. Signature should match in the way to acceptable
so called forgery


16) Loan agreement application Booklet is in English language right ?
so till now many village illiterate peoples taken loan right or who do
not know english  right ? did all they read that , No right ? so it
seems they made signatures without reading the booklet or they Bank
person siddaesh was getting sign to  Blank Loan application ,
following siddaesh was filling the application as he wants .

17) Sudharshan sir is one of the criminal person who misleading the
bank along with Mr. Naveen , Ganapathi Venkatappa and Siddaesh . This
Team is operating on all these Fraud professionally . from my case ,
it seems that these people may have cheated like this to too many
illiterate village peoples who come to HDFC BANK for loan . all these
clearly needs CBI and CID investigation .

18) No evident but true , he taken 500rs from my side by saying it not
possible to give loan for agriculture people .

19) and also from Showroom with NO receipt business .

20) you will not admit it, because you will loose your job and to
protect Bank Name . Judge will review all these and judge will
understand all these like very clearly . how you can admit it your
mistake being employee of Bank right ? I shown your mistakes to you
and just telling your mistake to you , so it was your responsible to
get identify it yourself , so actually no question about claim or
admit as I have your money right ?

19) if you want me to pay the 1328rs then please send me the Notice or
Court Order through Arasikere Court Upon court Judgment .

20) My Job legally and ethically is to pay 1191rs/mo for the period of
36 months with 11.5 percent for the 31900rs loan amount   .

21) This issue wasted my time and my energy along with my professional
3days to this , add this day so 4th day , so who will compensate this
?  and Vehicle price loss 2700rs .

22) I have Physical evidence to prove this , I can provide this to you
through court .

23) agriculture period ends in next 5days , so after that I can't
borrow the money from farmers to repay the loan, I'm able to borrow
the money  till 09-10-2015 days from farmers , so I can repay it if
corrected before 09-10-2015 , otherwise

I'm not able to repay it for my life time  . and Please refund my
money 1328rs-119rs = 137rs first and 2700rs excess vehicle price loss
, then ask repayment money.

24) Again please note -  This Bike do not get start first time in the
day with even Choke .I have to kick 15 to 20 times , on luck it get
start . so Please take back the Bike .
 if this problem continues  I will not repay the Loan and you have to
give me back 17600rs plus 1200rs , 600rs 652rs and 120rs number plate
print.  you please come to my home , I will show it , or you only try
to kick start this bike you will come to know . I can't do it in
middle of the road and morning time when I have to go very urgently .
if continues like this , this bike becomes useless . HERO  bikes
should start immediately on first kick only , or max with choke .


25) Do you know value of the money ? we earn money through Blood ? is your
job is playing game with someone's money ? you should pay fine to
Court, Government and RBI right plus you peoples should not do it to
any peoples in future ? from today onwards everyday I put 100rs fine
to you people still I get my money 137rs and 2700rs .


26)  as I said above , I Kindly request , not to message me back
unless it is corrected along with Acknowledgement for the same plus compensation
otherwise please communicate to me through Arasiker Court sir.  We
earn  Money through Blood .

Thank you and Thank you for your time.

HDFC BANK FRAUD , Forgery and SB Account Money Robbing by HDFC BANK Employees itself .

I sent Following email to HDFC BANK and its shows how HDFC BANK makes fraud to customer and upon that how they do Forgery and ROB the money from customer SB account .  

Good Morning sir, 

The Reference number or docket number for previous E Mail interaction is 030-920-XYZ , 030-499-XYZ and 031-318-XYZ .I have replied to this 030-920-XYZ email interaction on 18-09-2015 and on  30-09-2015 for 031-318-XYZ EMAIL Ticket ,please refer to those email replies.


I met HDFC Bank officers named Naveen Manjunath sir,Ganapathi Venkatappa and Sudarshan Yemula sir on 9-9-2015 , This meeting is called by Naveen sir.


They said to me as follows,

1 HDFC Bank officers said to me,Bank will give 2000rs cash back to me regarding incorrect Loan amount that is 34043rs

2 HDFC Bank officers said to me,Computer Systems do NOT allows us to edit or update the interest rate to 11.5,so we can not 

correct interest rate now

3 After 2 months of vehicle purchase  , I took receipt of 17600rs and 1200rs forcefully on 14-09-2015 by contacting MD of 

HERO Showroom . Showroom peoples said to ask the HDFC BANK for invoice for remaining amount .So Please send me copy of 

INVOICE of full amount of vehicle purchase to my email or to home address .


4.as Bank officers said ,Though 2000rs cash back to me,the interest is included in the EMI because Loan amount still remains same 34043rs,Sudarshan sir confirmed that.

5.sir, I only applied and signed to Loan Booklet for 31900rs loan amount with 11.5 percent interest rate that includes 

200stamp duty and 300rs documentation charges with no processing fee as I applied on July month. this loan is for 36 months 

tenure , so EMI will be 1191rs . I applied for HDFC Loan only because of 11.5 percentage interest rate .Siddaesh told and confirmed the

same earlier .

6) after I purchased the vehicle,  I got a SMS about Disbursed Loan amount 34043rs which i did not applied, on the same day I took it all to Bank Person's attention named Siddaesh and email is sent to HDFC Bank on July 21st 2015 .so why Bank not corrected all these with respect to signature matching right on that day immediately ? why now you saying signature is matching ? why you did not raised the question about cancellation on the next day you received email ? .


7) since that , in my many previous emails , I requested not to deduct any amount from SB account till it all corrected as 

per loan I applied , though Bank officers tried to draw the amount which result in cheque bounce . they are doing mistakes one by one .  so they are responsible for this , not me .    I with drawn all the money from  my SB account before only .


8) As there is 2 percent lower interest rate for account holders they should process my loan application for 11.5 only , 

and they cannot take my signature for 13.5 percent interest rate right? and also they should not process the application for 

13.5 interest rate right ? , so this is one of the evident that I did not applied it and I did not signed it for this .

9) Similarly , 17600rs down payment is made and 1200rs so Remaining Money needed to purchase the Vehicle is 31400rs then 

why do I take the 34043rs Loan and how Bank can take signature to 34043rs loan amount and how they are able to process it ? 

right ? Bank should not process it right ? so its fraud . so this is one of the evident that I did not applied it and I did 

not signed for it , lets say for example , even I signed , bank should not process it for 13.5 and 34043rs as I said above right ? so its clearly fraud or mistake from Bank.

10) so why do I apply for 34043rs loan amount with 13.5 percent , when there is 11.5 percent and When I need only 31400rs 

loan amount right ? and how Bank can give 34043rs loan to me then ?

11) I did not know all these insurances - Personal insurances , even I did not know HDFC ERGO , never heard before .

12) The Bank person named Siddaesh extended the Loan amount to 34043rs from 31900rs himself and applied the insurance on 

Behalf of me . I do not know who signed to these insurance documents . 

13) why do I take personal insurance from Loan amount right ? the Loan amount is very less , and even I do not have money 

for just 30000rs right ? then which people will take personal insurance from Loan amount ? and I'm not traveling around the 

world . I use bike for my agriculture activities .so again i asking, why do I take personal insurance from Loan amount with a situation of eagerly need of money to eat food right ? it all will be 8th  wonder of the world .I already had one accidental insurance , then why one more ? how can I able to apply to another one for the same ?  Judge will review all these.  

14) Siddaesh instructed me to sign on many part of the documents so I signed it thats how he took my signature for loan 

34043rs with 13.5 percent interest rate and for insurance documents we do not know who signed behalf of me , No answer from 

Sudershan sir about this when I asked this question to him . from above points 8, 9 ,10 , 13 it is very clear right sir .

15) Yes , Signatures should match then only bank able to accept it all right ? otherwise how Bank will able to accept it ? Otherwise no use of forgery .
forgery is made in the way bank should accept it .from one of the above point 6 it is very clear and proves .


16) 1328rs deducted from my SB account , so please refund me 1328-1191rs = 130rs .  once I received the Acknowledgement about 

interest rate and loan amount is corrected as per loan applied that is 11.5 percent interest rate and 31900rs loan and 130rs 

refund to me , I will repayment the Loan , till that I do not repayment the loan  .

17) after all corrected these things , I will repayment loan through Cash , so please disconnect connection between my SB 

account  and Loan . and also I should need acknowledgement about HDFC BANK Should not deduct even single penny from my SB 

account for any reason with out my written permission along with thumb impression and CCTV record for the same .so again I telling, till all these 

acknowledgements I receive , I will not deposit even single penny to my SB account and I will not repayment the Loan .

one more time DO NOT DRAW ANY CHEQUE TILL ALL IS CORRECTED AS PER LOAN I APPLIED , Otherwise if So I'm NOT responsible for any CHEQUE BOUNCE . if you want to do so , Take Permission from the Court of Arasikere . 

I do not know exactly that you May or May not  Employee of HDFC Bank so, I do not think you will take the decision in favor of Justice .

So, Please do not take more than  4days . its already delayed lot , I have to more further .

Thank you .