Please let me know what action I can take in following case :-
1. had salary account with HDFxx bank.(june 2010) due to my employer hdfxx provided overdraft facility on salary account. overdraft means loan with high interest and can be taken once no balance in savings account till that sanctioned amount. interst is calcualted on daily basis.
2. due to single earning member and middle class joint family, had to take overdraft and used that amount at 18-20% rate of interest.
3. I was paying back rs. 1000, 2000 or 3000.. everymonth. there is no fixed deduction needed as in Overfdraft interest is calculated on no of days...so there is no concept of emi.
4. then I got more overdraft from B bank, so shifted my salary account to new bank. kept old salary account active and kept on paying back overdraft amount from 2011 till now ...
5. Then now 2015 , I had to take personsl loan so applied at sbixx bank. in this case, I have other loans but not a single emi is bounced in my full tenure till now 10+ years... my last time cibil score in dec 2012 was 790.
6. when in 2015 I applied for new loan ,i got shocking reply from this sbixx bank that hfdcxxx has added defaulter entries for overdraft. my score is 570 now. I was angry and shocked. HDFCxx kept eating 18% interest that customer was paying every month and still ruining my cibil score. I was not knowing this. I was thinking all good.
7. the moment I got to know this fraud, I arranged amount and cleared all overdraft then and there. I started phone call to customer care - hdfcxx to give me noc,clearence or tell me dues if any. they didnt help with anything, just told go to branch.
8. Then I started email thread to HDFCxx that also they didn't help.
9. Then I escalted ticket to Grivevence desk.. they told visit branch.
10. Then I visited hdfcxxx branch by taking leave and explained everything to Branch manager and bank person. I told if dues are there tell me . if dues are not there give me noc.
11. After 3 hours, they confirmed no dues , that time I asked NOC for that bank person told, This customer is just doing timepass.. in front of Branch manager.. I really got very angry but I didn't say anything.
12. After that, that bank person sent me mail of year 2014 which was saying I need to pay OD.. which I already did in july 2015.
13, Since I am taking loan from sbixx bank, hdfcxxx delibrately blocked my processing by not telling dues and not giving noc. sbixxx people directly talked with hdfcxxx guys but then also no help.
I told HDFCxxx, what you are doing is just blackmailing to old loyal customer and my reputation is spoiled for no reason. there is not even one mail about hdfcxxx getting issue with my overdraft. they backstabbed me and due to urgent family medical emergancy I wanted loan which was not sancitioned by sbixxx due to hdfcs remarks in cibil which hdfcxxx didnt correct and hdfcxxx didnt give me noc or dues also. making me suffer worst way.
Finally, I sent them mail and told, this is clear cut blackmailing hdfcxxx is doing over time. They have ruined my reputation (cibil) score for no reason. Even after repeated phonecalls, many emails/requests, followup with grivecence redressal+ branch manager and visiting meeting hdfcxxx branch with branch manager, hdfcxxx is not doing anyting. They are not giving Due amount if any or not going NOC also.
Since this torutre was going on for one month , I told them, since you are not telling due amount if any or not giveing NOC, you are continously blackmailing me by blocking noc. and my reputation is gravely damaged by hdfcxxx for no reason. if they don't give me due amount statement or noc by this week, I will be forced to do crime that, I will stop cureent running hdfxxx personal loan payment emi/ecs. As for no fault of mine HDFCxxx is provoking me /blackmailing me to commit crime. in my life I never defaulted any emi, but now I am forced to.
Now, I want to fight this in honble court ... by showing all proofs of above.. I have emails to all ... I have phone recordings of all officers , how they exploited me ... I have my clear payment history for past all years... and new loan application due to current medical emergency at home and operation expenses etc details.
Please, can you help me with
1. I am going to stop ECS for sure, will this be okay ? what next steps I need to take.
2. I need to know what all things HDFCXxx can take and I want to bring in front of honble court the harrasments/toruture they did to me for no reason. They spolied my reputation for no reason and without informing me (but kept on eating 18+% rate of interest on overdraft amount.)
3. anyother thing I need to take care.
4. its not that I dont want to pay personal loan ... I want justice, HDFCxxx has continusly balckemailed me by not giving noc or dues statement. hdfcxx has ruining my reputation by adding bad entries and not informaing. Evenafter clearing that amount, still they have not cleared cibil or given noc to me.
5. Due to above reasons, one middle class person was blocked important medical emergacny cases and he was provoked to commit crime of blocking ECS payment...
so that this case will be going to court.
Please, suggest will this backfire in Hon'ble court ? they have spoiled my things for no reason and they are not ready to correct. hence I want to get that highlighted.