I found that i am leaving a lawless country recently when my car was seize for a Loan which i had cleared from HDFC bank .I had prepaid my loan and was yet to take the release certificate since HDFC bank had messed up with some cheques which they were bouncing even though they were encashing alternate cheques i had given them . One fine day they seized my car on the basis of the old cheques i had given them and which they had returned back to me . I went with my lawyer and showed them the complete details .They said that they would settle the issues and send me the car back to my house and now i have found that they have sold the car to a dealer and i have now gone to court and have filed a case both in the consumer court and a civil court .Looks like i am in for future trouble since for no falut of mine i have under go all this hell. Please be very carefull with HDFC bank .Looks like this bank and the institution itself is run like a criminal enterprise . Even their ULIps sucks and i have found that you lose your capital if you invets in their ULIps .Beware of this bank and it is better to dela with Banks like some good co-operative banks for any needs .