Location/place: West Bengal
Name of company/service: HDFC
My family is having a long relationship with HDFC Bank.
For that I opend a savings account at the Burdwan Branch (IFSC Code :HDFC0000462,
MICR 713240004 ). I am assigned with a personal banker named Anirban.
Anirban frequently visit my house for anking related work.
He told 4 years back(2008) that there is policy where I have to pay Rs. 40000 yearly for 3 Years.
I just started my job that time. I paid 3 premium for the policy (Policy no. 13190316).
The premium ammounts are (Rs. 40000, Rs. 40000, Rs. 40620).
I have planed a lot with the money whose maturity date was told to be 18th October 2012.
Yesterday (7th of October) I was shocked to saw a forth premium of Rs. 40620 have been deducted from my savings account.
There is a norm that savings account can not be less than Rs.0, but with this unwanted premium HDFC made my account arround Rs. -20000.
I am unable to contact Arindam after that, he changed his no. and I am shifted to Mumbai.
While contacting the bank I have been told the policy was for 10 Years !!!!
If I want to break the policy ,HDFC will not give me a single penny from my first year premium and 50% of my other years premium.
I have already paid Rs. 161240. If I want to break I will get only arround Rs. 60000. (A loss of over 1 lakh Rs)
I am in a trauma. I have very less money now. I am urgently in need of money.I am misguided and now the bank is directly abusing me over phone and abusing my old parents while they visit the bank.
I have been CHEATED by HDFC and there personal banker.
Suggeset me what to do ? If possible advise me how to lodge a complain in consumer forum as well as to Indian courts regarding this.Is there a provision so that I can lodge an FIR against the banker?
mail me @ [email protected]
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