I am from Kolkata. I was cheated off my original pan card/voter id card/two nos credit cards/electric bill/mobile phone etc by a gang of fraudsters (3 persons claiming to be bank representatives providing personal loan against credit card surrogate) in month of Jan’2011. Misusing my credit cards they illegally purchased Gold Jewellery valued Rs.100000/- from my HDFC Credit Card & Rs.40000/- from my RBS Credit Card. On the same day of the incident I called up respective banks customer care nos. & blocked the cards & requested the banks to block/initiate chargeback against these fraud transactions which were not carried out by me. Both the banks blocked the respective cards & asked me to lodge a Police FIR & send a charge dispute form. I filed a Police FIR on the same day of the incident & provided a copy of same to both banks alongwith respective charge dispute forms. Presently police is carrying investigation in this case & I have also approached the CID Dept with my case. Thereafter RBS bank has provided me a new card against the lost card & temporarily credited back the amount of Rs.40000/- to my new card a/c & matter is under investigation. But HDFC bank is not willing to issue me a new card against the stolen card & has denied to accept the charge dispute form with a reason “since I have provided the live credit card to 3rd party it is a violation of card member agreement & hence I am liable to pay for this fraud transaction of Rs.100000/-“ & they have also send me a statement with a new credit card no (whereas the new card hasn’t been recd by me till date) including this fraud transaction & are since then presssing me to make payment. Also note that after getting the transaction details from the banks I have personally visited the jewellery shop from where the fraursters carried out the transactions & collected a copy of the invoice & credit card chargeslips & found that the fraudsters have prepared the purchase invoice in my name & residence address (which they got from my electric bill) but the signature on the charge slips is totally fake & doesn’t match at all with my signature which was also putup on the respective credit cards. Pls advice me future steps to conclude this chapter with both the banks as I can’t continue my normal life & work because of this problem.
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