Divya Gunaselvan
New member
- Bank Name
- HDFC BANK LTD
- Customer Care Number
- +91 9289200017
- Loss Amount
- 100000
- Ratings
- Opposite Party Address
- HDFC BANK LTD 3rd floor, commerzone , IT park, Tower B Mount Poona mallee Road, Porur Dist., Chennai,600116
Dear Sir/Madam,
I am writing to formally escalate a serious violation and unlawful act committed by representatives of HDFC Bank in relation to my vehicle loan account mentioned above.
On Dec 12th 2025, my vehicle was forcibly recovered/seized by individuals claiming to represent HDFC Bank without any prior notice, repossession intimation, or court order. At no point was I served:
This act amounts to illegal repossession, harassment, and violation of RBI Fair Practice Code, Supreme Court guidelines, and SARFAESI norms.
This recovery is in direct violation of:
No bank or recovery agent is permitted to seize a vehicle without due process of law, including proper notice and legal authorization.
I hereby demand the following actions within 48 hours:
If the above is not resolved immediately, I will be constrained to:
This email may be treated as a final escalation before legal action.
I expect an urgent written response from a senior authorized official.
Regards,
Divya Kasthuri Bai R
Mobile: 7448324478
Email: divyagunaselvan@gmail.com
Loan Account No.: 157177485
Vehicle Registration No.: TN14W3925 CRETA 1.5 EX P MT BSVI
I am writing to formally escalate a serious violation and unlawful act committed by representatives of HDFC Bank in relation to my vehicle loan account mentioned above.
Details of the Incident
On Dec 12th 2025, my vehicle was forcibly recovered/seized by individuals claiming to represent HDFC Bank without any prior notice, repossession intimation, or court order. At no point was I served:
- A pre-recovery notice
- A loan recall notice
- Any court-approved recovery order
- A recovery letter or authorization
This act amounts to illegal repossession, harassment, and violation of RBI Fair Practice Code, Supreme Court guidelines, and SARFAESI norms.
Regulatory & Legal Violations
This recovery is in direct violation of:
- RBI Guidelines on Recovery Agents
- Fair Practices Code for Lenders
- Supreme Court judgments prohibiting forceful recovery
- Article 21 – Right to Life & Dignity
- Consumer Protection Act, 2019
No bank or recovery agent is permitted to seize a vehicle without due process of law, including proper notice and legal authorization.
My Immediate Demands
I hereby demand the following actions within 48 hours:
- Immediate return of my vehicle in its original condition
- Written explanation with supporting documents authorizing the recovery
- Details of the recovery agency and agents involved
- Compensation for mental harassment, inconvenience, and loss
Failure to Comply
If the above is not resolved immediately, I will be constrained to:
- File a formal complaint with the RBI Banking Ombudsman
- Approach the District Consumer Disputes Redressal Commission
- Initiate criminal and civil legal proceedings against HDFC Bank and the recovery agents involved
- Escalate the matter on official regulatory and legal platforms
This email may be treated as a final escalation before legal action.
I expect an urgent written response from a senior authorized official.
Regards,
Divya Kasthuri Bai R
Mobile: 7448324478
Email: divyagunaselvan@gmail.com
Loan Account No.: 157177485
Vehicle Registration No.: TN14W3925 CRETA 1.5 EX P MT BSVI