I had credit card with HDFC Bank in 2008 when I was working in Mumbai. The card was specially meant for ladies and free of charges. I could get two cards at the same time, one for my mother and the other one for me.
When the card actually arrived at my work place, it accompanied with a health policy on my name which I was not aware at all. At the same time the credit card which I received was also deducted for the amount for the policy without my consent.
I immediately called up the bank and asked them to cancel the policy which I never asked for. It never happened and the amount was never reverted back. On top of that the interest was kept on adding. So I did not dare to use the card even once. The card became a showpiece in my wallet.
After few months, i got a call from the bank and was asked to clear the amount. I refused to do so and asked them to cancel the card and my card was blocked.
At the end of 2008 I got a job offer from Singapore and was out of india for consecutively 3years.
In between, the bank employee collected my hand phone number from my residence and called me in Singapore. When I questioned the guy for what I have to pay, he answered me that I did some shopping in India when I was actually in Singapore. I asked for the bank statement which I never received till date for any transaction so far.
After few years back in India again I received such calls and asked the same for the bank statement. But then no response. I mailed quite a few places in HDFC for this harassment but to no avail.
Again after few years now, again I started to get calls from the HDFC Collection Department, Mumbai. I even agreed once to come to a settlement thinking that it will relieve from these unexpected certain phone calls but later I got to know it will effect my CIBIL score after visiting the bank.
As per the Collection Department folks, my name is in defaulters' list in CIBIL. And one more add-on information I got this time, that some payment been done in my card but I do not have ant clue about this.
I need complete solution from this. I never used the card nor the policy so why should I pay. Please help
