I recieved a mail from payment.reminder@hdfcbank.

com on 7th of December 2012 to

my email Id nishantsah@gmail.com
it read like here:
________________________________________________________________________________
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________________________________________________________________________________
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Dear Customer,
Re: Your HDFC Bank Credit Card # -

XXXX-3659

It is observed that we are not in receipt of any payment towards your card acco
unt since 22/12/2008.Owing to non-receipt of regular payment to cover even the m
inimum amount due ,the credit card account has been invalidated from further usa
ge.
As we are unable to contact you at the numbers updated in our records, we are co
nstrained to refer your account to our legal cell for further action for recover
y of the credit card dues.
Please also note that the existence of your card account and details of any defa
ult/settlement that may occur or have occurred will be shared with a Credit Refe
rence Agency ( Credit Information Bureau India Ltd. [CIBIL] ) and the same will
be shared with other lenders and / or credit card issuing entities.
Please effect immediate payment of Rs.241,723.38 that is presently outstanding o
n your card account.
Please do get in touch with our Debt management Executive at the following numbe
r / e-mail ID for any further clarification.
Officer Name: Anubhuti
E-Mail ID: Anubhuti.kapoor@hdfcbank.com
Ph: 9312832510/01142210495
Sincerely,
Officer
HDFC Bank - Debt Management
THIS IS AN AUTOMATED MESSAGE - PLEASE DO NOT REPLY DIRECTLY TO THIS EMAIL
Know more about us on www.hdfcbank.com. Connect with us on Facebook at www.faceb
ook.com/hdfcbank
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I have no such account under my name. I have another credit card which ends with
****-****-****-2968 which has been blocked by the bank inspite of my payment an
d clearance of the whole amount in the Bhagalpur Branch.

I told her my name is Nishant Sah, She told me that this policy holder's name is
Nishant Shravan Sah.
My call to mrs Anubhuti Kapoor on the 13th of December on her first phone number
led me to a reply "aap bhool gaye honge" "You must have forgotten"!!!
I replied back to her on this email id on the 13th of December
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This is not my account and it is also the first time i am being informed about p
ossessing an account with this number. Please cyeck your email id and see that t
his is the correct information.
Please also send me the details of the accountholder and the signatures that u h
ave on th form. This is a case of forgery and please look into it.
My phone conversation with you has led to nothing
Furthermore
My first account with HDFC was in 2010
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I have recieved no reply to this mail till today. I am personally very stressed
and need a quick reply from the bank explaining its lax policy in adding this ac
count to my name.
I also demand the removal of my name from Credit Reference Agency ( Credit Info
rmation Bureau India Ltd. [CIBIL] ) if it has been done already. I also request
a fine on the bank which is deemed appropriate by agency for this harrassment.
I am under extreme mental pressure.

Thank YOu and regards.