Hi, Inspite of registering with DNCR, i get unsolicited calls. Yesterday evening i got a call from an associate of HDFC bank for offering HDFC card. Obviously the individual would have extracted the details from my HDFC bank account. Day by day this menance of unsolicited calls is increasing. Banks should evolve a revised model code of conduct for their credit card section employees.
The best way to discourage tele-marketers is to either disconnect the line the moment they say they are from a bank/insurance company or tell them firmly that you are not interested in their offer.
Moreover, all of us should not patronise any organisation that uses the services of tele-marketers and we need to be firm about it. Lets boycott all such organisations. These are the only three ways by which we can get rid of this menace.
For those who are being harassed by recovery agents/calls, take legal action immediately if you are in the right. Demand a hefty compensation (Rs. 1 cr or more) and press for it.
RE:Boycott them
by Sam on Apr 04, 2008 12:43 PM
Any mistake/violation by a services provider is viewed as a money-making opportunity in the US. We should also do the same in India.
A sweet talking executive offered me a credit card of HSBC Bank and starting charging me a premium of around Rs.500/- per month for the policy which I had never taken. This has been happening for past one and half years and the statement comes every month charging me late payment fees, service charges, finance charges etc. etc. Inspite of contacting them on phone, fax, e-mails they have not reversed the charges. I have also sent letters but have been overlooked. They have asked me to send fax to Tata AIG who has allotted a policy to me (when I have not signed any papers etc.) I have been harassed by the call centres practically everyday for payment to HSBC. Please do not fall prey for credit card. It is just a nuisance and harassment everyday. Now I do not know how to go about all this situation. Is there any complaint centre, consumer court where I can express my grievances. Call centre executives just do their routine work and abuse me. How do I get rid of all this situation? Please help
RE:Charging of premium for Insurance which was not opted by me
by Prof R K Gupta-India on Mar 29, 2008 11:32 PM
stop paying them.Let them go to court.thye will loose the case.
RE:Charging of premium for Insurance which was not opted by me
by Funky Guy on Apr 04, 2008 12:00 PM
He can go the court. But the problem starts if this in any way harms his credit rating. In the future anytime he/she wants a loan, it could be very troublesome.
RE:Charging of premium for Insurance which was not opted by me
by B Basu on Apr 04, 2008 10:55 AM
Same happened 2 me, too. I stopped TATA AIG's policy, over phone to their helpline as well as in writing. HSBC continued billing me premium. Wrote again to HSBC. Nothing happened. Card was deactivated. No reply was given to many letters written to HSBC. Ultimately they had to admit & gave me full credit agst the charges. An amount of Rs. 701/- became more than Rs. 7500/- with interests/late charges/Service taxes etc.
RE:Charging of premium for Insurance which was not opted by me
by Sam on Apr 04, 2008 12:27 PM
I think you should immediately talk to a good lawyer and slap a legal notice on both the bank and insurance company. You should also lodge a complain with the consumer court in your city without further delay.
Believe me the problem will not go away by keeping quite. You need to be aggressive and show these rogues theis place. I am sure you will win the litigation and you can also demand payment of your legal expenses from these parties, along with a hefty compensation.
RE:Charging of premium for Insurance which was not opted by me
by B Basu on Apr 04, 2008 11:00 AM
In case of abuse, always take details of full name of the caller, co's name, phone no.(landline), time of call etc. Tell them, you will complain to appropriate authority, if they misbehave or pressurize. There is Supreme Court ruling, preventing coersive method(s) to extort money from defaulters (genuine or not).
Sir, SBI Cards executive from Chandigarh called and without having my consent SBI Cards had debited Rs 2500 on a/c of Life Insurance but they had never sent any forms or papers for signature and also till today SBI Cards has not sent any Policy Cover not and while informing on email by me, they deactivate the cards and now they are adding interest on Rs 3500 since last 3 years no bills or credit cards statement is sent to my address. sometimes I used to receive SMS on my e-mail about outstanding amount and due date by adding interest which now on previous month was increased to Rs 3300.00. please advise me.
RE:UNWANTED INSURANCE BY SBI CARDS
by Prof R K Gupta-India on Mar 29, 2008 11:47 PM
Thye have done this with me in 2002.I threw their card an dtheir bills in sutbin and issued legal notice.Till 4 yars they kept sending kme emails although they kept writing that in future I wont get any mail.They aslo saught compormise and settled for mutually accpeted amount.SBI-GE is a thrid rate company. So is inditimes intreent business(Times interantional)Just avoid such companies if you want your BP in control.This comes from a customer and a professor of management.take it seriously guys.
RE:UNWANTED INSURANCE BY SBI CARDS
by Nagesh Pai on Mar 31, 2008 12:37 PM
SBI and Royal sundaram are in this racket. I am fighting this through the RBI ombudsman.. If you want to join me and support me to report this crime, please do so. you may write to me at piedpaiper@gmail.com
RE:UNWANTED INSURANCE BY SBI CARDS
by B Basu on Apr 04, 2008 11:02 AM
SBI cards has the largest numbers of dispute cases filed agst them. The bank people suggest not to go for SBI card.
RE:UNWANTED INSURANCE BY SBI CARDS
by sibby mathews on Apr 04, 2008 12:57 PM
Neither should one go for a credit card of any bank. Most commoners actually do not need a credit card. They only have to see this point to be free of loads of worry (unless one is the type of person who can be tenuous enough to derive the last bit of utility from cards without incurring any cost).
Whether it is credit card, personal loan, educational loan, home loan, auto loan or business loan, AND whether it is Reliance phone or Tata Indicom or Airtel / Vodafone or BPL OR for that matter, any service industry, India is not yet ready to come with rules and regulations, terms and conditions and policy guidelines to control these service providers. Rather, they are doing you a disservice by (1) harassing with marketing calls, (2) when you agree to their service and avail them, they never provide good serice, rather directing and redirecting you to various other centres of their service, wasting your time, energy, money and creating a sense of anger at their disservice. Even after cancelling after due clearance of all dues, calls still emanate asking for outstanding, sending bills inspite of clearance and telling spare pares from China not arrived, when asked for a replacement of a card or USB or drive. When they could not provide service during the intervening period, still they go on charging and collecting money thru recovery agents (read goondas) and also resorting to sending legal notice. They are slightly worst that established mafias. Indian should ban all these companies and / or put under black list (Holiday list) for a period ranging from 5 years to 50 years from conducting business in India. Alternatively, wait for another 10 / 15 years for them to improve their services and continue to suffer. Though owner of these companies are reputed, ser
RE:DISSERVICE INDUSTRY
by B Basu on Apr 04, 2008 11:04 AM
I had a dispute with Tata Indicom over billing (Mobile - postpaid). The line was deactivated. Finally settlement took place & the negotiated amount was paid by cash, across the table, with proper receipt. Calls continued coming even 2 days after this settlement, from the recovery agents.
1. After the telemarketer finishes speaking, ask him/her to marry you. 2. Tell the telemarketer you are busy at the moment, and ask him/her if he/she will give you his/her home phone number so you can call him/her back. 3. Ask them to repeat everything they say, several times. 4. Tell them it is dinner time, BUT ask if they would please hold. Put them on your speaker phone while you continue to eat at your leisure. Smack your food loudly and continue with your dinner conversation. 5. Tell them that all business goes through your agent, and hand the phone to your five year old child. 6. Tell them you are hard of hearing and that they need to speak up...louder...louder...louder! 7. Tell them to speak very slowly because you want to write every word down. 8. If they start out with, "How are you today?", say "I'm so glad you asked, because no one these days seems to care, and I have all these problems............" 9. Cry out in surprise, "Helen, is that you? I've been hoping you'd call! How is the family?" When they insist they are not Helen, tell them to stop joking. This works especially well if the telemarketer is really MALE. 10. Tell the HSBC call center guy to call on your office number. - and give him the ICICI call center number.
RE:10 ways to stop all those irritating calls...
by sucheta pati on Mar 29, 2008 08:39 PM
What an idea... I never tried these options. I'm sure these will work.
RE:10 ways to stop all those irritating calls...
by prashant l vishwasrao on Mar 31, 2008 12:29 PM
RE:Penalty by prashant l vishwasrao on Mar 31, 2008 12:24 PM these guys are working for these companies to earn there bread and butter, they have nothing to do with harassment, they are doing there duties. Whenever u get a call straight away say NO. they are not prepared so hear such straight forward NO, and go speechless, this works we me every time when i get such unwanted call
RE:10 ways to stop all those irritating calls...
by Pankaj Sarmah on Apr 05, 2008 04:28 PM
Your suggestions sound somewhat funny but I swear that all of them work n I invite other readers who have been pestered to try them out and see the results. I had been called and bothered umpteen times by an insurance call centre guy n gals too after booking my rail tickets on the indian railways website, when they offered free insurance. i agree it was my fault to have responded but I got rid of them by trying your suggested tip no.s 2,3 much b4 I read these tips! now I really miss their sweet talks, at least till this moment.
RE:10 ways to stop all those irritating calls...
by B Basu on Apr 04, 2008 11:09 AM
Only good? These r brilliant tips. At least, 5-6 of them cud b used by people like me who r offered cards/home or personal loans/car loans etc. etc. about 2-3 times a day. I am sure to make use of these.
RE:10 ways to stop all those irritating calls...
by puneet gupta on Apr 13, 2008 06:34 PM
another trick: i get personal loans calls and i ask them to issue me a loan of 20-30 lacs which is beyong their limit..then i ask them to reduce rate of interest to 1 or 1.5%...then they never call...:)
Reading an article in a newspaper regarding NDNC, I have registered my mobile number for the same. While earlier I used to get 1 or atmost 2 unsolicited calls per week, now I am getting 10-12 stupid calls per week!!! SBI never called me for a credit card offer before. It called me some 20 times in 2 months AFTER I got an SBI card for a credit card offer!!! Remember, if you did not post your resume and are not expecting any calls from job consultants, then the probability that all calls from airtel landline and tataindicom landline numbers are marketing calls is more than 90%. Manohar
1. If you are being offered a credit card from any bank, tell them that you already own a Titanium credit card from their bank and tell them the limit is 1 lakh. 2. If you are offered a personal loan, tell them that you dont require it at all as you have excess money and dont know what to do with it. 3. If you are offered advise on investment or insurance plans, tell them that you dont have any money to invest and you are looking for loan to feed yourself the next month.
RE:Tips to Escape!!!
by janardhanan k on Mar 30, 2008 02:15 PM
Some more tips. If the offer is for personal loan ,ask for 10 lacs/ 100 lacs if the offer is for 1lac and ut interestFREE and NO processing fee. The caller will get iritated and will disconnect the line.
