Dear Sir, I am holding Savings accounts since couple of years for my entire family with HDFC bank Yagnik Road, Rajkot. Earlier we were their classic customers so there were no rules for minimum balance etc. suddenly without our knowledge bank started debiting various type of charges from 2012-13. i had having few rupees in all my savings accounts but due to service charges all my account balances went to zero. the bank continuously debited charges over these years. now the account balances are in negatives. I had visited bank and met manager, asst. manager, cluster manager many times but the issue is not solved. i had tried to close my account but bank officials says they are unable to close and day by day negative balance in my account is increasing. So here my request is to 1) refund the money which bank have debited from my accounts. 2) clear the negative balances so that i can close my accounts.