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 .
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 .
