Reading: My ECS for January 2016 was rejected by IDBI Bank, citing a closed account. I contacted both HDFC and IDBI Bank via email, but received no satisfactory response. After personally inquiring with IDBI, they confirmed in writing that the details submitted by HDFC were incorrect. I provided HDFC with a letter from IDBI on April 28, 2016, but have yet to receive a proper response. Despite daily contact with HDFC staff, they offer excuses every day. Is it advisable to take legal action against both banks for causing me significant mental stress, impacting my CRISIL score, and wasting my precious time?

My ECS for January 2016 was rejected by IDBI Bank, citing a closed account. I contacted both HDFC and IDBI Bank via email, but received no satisfactory response. After personally inquiring with IDBI, they confirmed in writing that the details submitted by HDFC were incorrect. I provided HDFC with a letter from IDBI on April 28, 2016, but have yet to receive a proper response. Despite daily contact with HDFC staff, they offer excuses every day. Is it advisable to take legal action against both banks for causing me significant mental stress, impacting my CRISIL score, and wasting my precious time?

Last updated: August 25, 2025 1:01 pm

Apni Law

3 years ago

Law Forum › Category: Banking / Finance › My ECS for January 2016 was rejected by IDBI Bank, citing a closed account. I contacted both HDFC and IDBI Bank via email, but received no satisfactory response. After personally inquiring with IDBI, they confirmed in writing that the details submitted by HDFC were incorrect. I provided HDFC with a letter from IDBI on April 28, 2016, but have yet to receive a proper response. Despite daily contact with HDFC staff, they offer excuses every day. Is it advisable to take legal action against both banks for causing me significant mental stress, impacting my CRISIL score, and wasting my precious time?

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Apni Law Staff asked 3 years ago

My ECS for January 2016 was rejected by IDBI Bank, citing a closed account. I contacted both HDFC and IDBI Bank via email, but received no satisfactory response. After personally inquiring with IDBI, they confirmed in writing that the details submitted by HDFC were incorrect. I provided HDFC with a letter from IDBI on April 28, 2016, but have yet to receive a proper response. Despite daily contact with HDFC staff, they offer excuses every day. Is it advisable to take legal action against both banks for causing me significant mental stress, impacting my CRISIL score, and wasting my precious time?

1 Answers

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Best Answer

Apni Law Staff answered 3 years ago

Based on Indian law, you may consider legal action against both banks. The incorrect information provided by HDFC, confirmed by IDBI, has caused you demonstrable harm. The delay in addressing the issue despite your repeated attempts could be construed as negligence, potentially warranting compensation for stress, reputational damage, and wasted time. Consult a lawyer to determine the best course of action.