Submitted by: Kuhan Walia
Complaint Details:
Hello sir,
My name is Kuhan Walia, holding an account of HDFC with account no. 02711130002592. I also hold a credit card from HDFC which is payback card with card no. 4893772404646651. As per the billing statement of this month i have to pay 42, 202 Rs. till the date 9th dec. 2016. I apologize for all the inconvenience that has been caused every time i could not pay my bill on time.
I am not having job right now that is the reason i could not pay bills on time. If you go through my billing statements you will find that i have not spent even a single penny on this credit card after the month of July. The bill is all about end no. of taxes, intrestes and late payment fee. I pay every month to lessen the amount, but instead of decreasing i see the amount is increasing. And all that just because of the taxes and all, like i told you earlier, i have not spent any thing on this card after the month of July.
My credit card limit is 50, 000 rs., and i have payed almost more than 1 Lakh rs. to the bank till now just because of these taxes and late payment fees.
I am really in trouble now and not in the condition to bear all that amount since i have already payed a lot to the bank and left with nothing since i don’t have the job. I feel helpless. Really don’t know how to pay that much. I know if i will pay the min. amount this month bank will again charge me late payment fee, taxes, interests and all, and the amount will increase again.
I have tried a lot to finish this amount but now i don’t have any more money to pay as i said i am out of job now.
Finally after trying everything i am reaching out to the bank to help me out. I request you to please spare me the amount of money i have to pay to the bank out of mutual understanding as a settlement. I am really not in the condition to pay any more. I would be highly obliged to the bank for this act of kindness.
Please help me out.
Thank you
Regards
Kuhan Walia