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The HDFC Bank credit card department is harassing me every day regarding my credit card payment. I have repeatedly requested them to waive the penalty charges, but they have refused to do so. What legal remedy is available in this situation?
If you are facing continuous harassment from the credit card recovery department, ask the bank to provide a written statement of your outstanding dues and the penalty charges. Submit a written request for waiver of the penalty, along with the reasons. If the bank continues to harass you or acts unfairly, you may file a complaint through the bank's grievance mechanism and, if necessary, approach the appropriate regulatory or legal forum. For further legal assistance contact us on our helpline number.