Di banks remove negative balance of -21k

236°
Deal Cadet
Tekk

I have hdfc savings account with negative balance of

-21k . Do banks remove this negative balance. Or i should pay 21k.  Please let me know is there any workaround for this.


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Deal Cadet Deal Cadet
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Which bank ? How did you accumulated that negative balance ?

In savings account, negative balance is not allowed unless you availed some service from bank

Pro Entertainer Pro Entertainer
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kaisse ho gaya -21k? … sad

Entertainer Entertainer
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😥

Deal Cadet Deal Cadet
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I have query.. I stopped idfc bank a/c for transactions ever since they reduced interest to 4per.. Will I be liable to pay negative balance or can I file a case against idfc++? 

Deal Subedar Deal Subedar
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you don’t have to pay, leave account.. it will get auto closed in 18months.

I have an axis account with -67k balance.

Crowdpuller Crowdpuller
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AppleFan wrote:

you don’t have to pay, leave account.. it will get auto closed in 18months.

I have an axis account with -67k balance.

How such negative balance ?

Deal Cadet Deal Cadet
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AppleFan wrote:

you don’t have to pay, leave account.. it will get auto closed in 18months.

I have an axis account with -67k balance.

why not lodge a complaint to banking ombudsman, RBI doesn’t allows savings account to go into negative.

Deal Lieutenant Deal Lieutenant
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Doea bank show negative balance ??

Deal Lieutenant Deal Lieutenant
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tension mat le dost kuch nahi kar payenge if it was a savings account only

Deal Cadet Deal Cadet
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vijkap201 wrote:

kaisse ho gaya -21k? … sad

Most of them are DHANI..ecs charges..

2 years ago i used to have some subscription plan with dhani..i have closed the loan but didn’t cancelled subscription plan .so they used to submit ecs 5 to 10 times a month..

Now ecs charges and non maintenance charges combined 21k.


Deal Cadet Deal Cadet
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kukdookoo wrote:

tension mat le dost kuch nahi kar payenge if it was a savings account only

yes ..but I need hdfc account..maybe in future for credit card or personal loan etc..

Deal Cadet Deal Cadet
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hackerboys wrote:

Doea bank show negative balance ??

Negative balance not showing in hdfc net banking/APP.  but when I check balance in Paytm/phonepe UPI it’s showing -21k.

Deal Lieutenant Deal Lieutenant
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Tekk wrote:

yes ..but I need hdfc account..maybe in future for credit card or personal loan etc..

manager se baat karo

Deal Cadet Deal Cadet
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AppleFan wrote:

you don’t have to pay, leave account.. it will get auto closed in 18months.

I have an axis account with -67k balance.

i think it’s almost 2 years ..but still account not closed .

Deal Cadet Deal Cadet
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kukdookoo wrote:

manager se baat karo

Can he waive off the charges..?

Deal Cadet Deal Cadet
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chotabaxxa800 wrote:

Which bank ? How did you accumulated that negative balance ?

In savings account, negative balance is not allowed unless you availed some service from bank

its hdfc bank..

Most of them are DHANI..ecs charges..


2 years ago i used to have some subscription plan with dhani..i have closed the loan but didn’t cancelled subscription plan .so they used to submit ecs 5 to 10 times a month..


Now ecs charges and non maintenance charges combined 21k.

Deal Cadet Deal Cadet
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Tekk wrote:

its hdfc bank..

Most of them are DHANI..ecs charges..


2 years ago i used to have some subscription plan with dhani..i have closed the loan but didn’t cancelled subscription plan .so they used to submit ecs 5 to 10 times a month..


Now ecs charges and non maintenance charges combined 21k.

Talk to branch manager, he would be able to waive atleast some of the charges ( for MAB) .

not sure about ECS charges

Deal Cadet Deal Cadet
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AppleFan wrote:

you don’t have to pay, leave account.. it will get auto closed in 18months.

I have an axis account with -67k balance.

how that is possible? any auto e-pay/debit failing?

Deal Cadet Deal Cadet
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Tekk wrote:

Can he waive off the charges..?

yes, request hard for reversal of those charges.

Deal Lieutenant Deal Lieutenant
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Tekk wrote:

Can he waive off the charges..?

yes bro.
in the next post you mentioned that those are dhani ecs charges.what are these charges for exactly?the manager can waive off these too but i am certain that he wont.

Deal Cadet Deal Cadet
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kukdookoo wrote:

yes bro.
in the next post you mentioned that those are dhani ecs charges.what are these charges for exactly?the manager can waive off these too but i am certain that he wont.

In 2020 i used to have Dhani and other loan.. they used to auto debit from hdfc account every month until the First Phase Lockdown..But in Lockdown I’m not in a position to manage my account..

so dhani and other lender used to submit ECS 5 to 10 times a month…

3months ago the negative balance shown -50k ..but from last month it’s showing -21k.

Post Tycoon Post Tycoon
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AppleFan wrote:

you don’t have to pay, leave account.. it will get auto closed in 18months.

I have an axis account with -67k balance.

U r giving competition to me
I have -60k in axis Bank

Post Tycoon Post Tycoon
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Tekk wrote:

In 2020 i used to have Dhani and other loan.. they used to auto debit from hdfc account every month until the First Phase Lockdown..But in Lockdown I’m not in a position to manage my account..

so dhani and other lender used to submit ECS 5 to 10 times a month…

3months ago the negative balance shown -50k ..but from last month it’s showing -21k.

Same situation

Deal Cadet Deal Cadet
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Sab jhoot koi issey baatau itna negative balance ho nahi sakta

If it is there then post screenshot

Deal Cadet Deal Cadet
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CA.MAYANK.KOTHARI wrote:

Sab jhoot koi issey baatau itna negative balance ho nahi sakta

If it is there then post screenshot

https://cdn0.desidime.com/attachments/photos/744258/medium/Screenshot_2022-02-17-15-48-18-624_com.phonepe.app.jpg?1645093131

If you still don’t believe.. Transfer 26335rs to above account  then i  will share another screenshot..😎

Deal Cadet Deal Cadet
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No banks cannot ask their customer balance to maintain MAB. Itn8s your money just don’t transfer or make deposits. Just leave as it is. It will be closed after six months.

Deal Cadet Deal Cadet
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Mufasa wrote:

No banks cannot ask their customer balance to maintain MAB. Itn8s your money just don’t transfer or make deposits. Just leave as it is. It will be closed after six months.

bro..it’s 2 years..still getting messages like 

" Maintenance charges of 600rs has been levied on your account  ×××1234…"

Can i visit the branch for account closure .can they do it ?

Deal Subedar Deal Subedar
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Tekk wrote:

bro..it’s 2 years..still getting messages like 

" Maintenance charges of 600rs has been levied on your account  ×××1234…"

Can i visit the branch for account closure .can they do it ?

it has to go into dormant status after 18 months

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