I was a customer of HSBC India - I had a complaint but HSBC India did not do much about it. I got a HSBC credit card and i was getting all my statements as e-statements- In November the security device (the password generator) stopped working since then I was not able to login and check any statements regarding my payments. I informed HSBC about this situation and they assured that they will send the duplicate statement in 5-7 dates. I never got the duplicate statements from HSBC.
I intimated HSBC time to time that I am not getting statements and I am having a rough idea of amount (around 7500 INR). Every time I got the reply in 5-7 days and no statement was delivered. I stopped shopping from CC in Nov only. At last, in March I contacted there nodal officer and informed about the situation.
There nodal officer said sorry for the above condition and assured me that they have enabled the paper statements for the period November to March and they will dispatch them. Again the same situation and I did not get any statement. I asked them to mail the statement and they said they cannot do it because of security.
This matter grew up and finally on telephone they said me to pay 16000 as my outstanding. I replied them that why should I pay you for the mistake at your part. I said that remove late fees and interest and I will pay the amount.
Now in Sept HSBC offered me to pay only 9000 and HSBC will send me new statement with 0 outstanding and I did so. I paid those 9000 and got the statement from HSBC with 0 outstanding. Now in July I applied for Home loan and came to know that my name is in CIBIL for the same HSBC card and with outstanding 2-
I provided all documents with 0 balance with HSBC Credit Card, settlement letter and all evidences of emails and cased ids with HSBC to my banker. Though my banker has disbursed me the loan amount but I am really unable to understand HSBC for putting my name in to defaulters list of CIBIL.
I have all the evidences of communication with HSBC. Can I move to consumer court against HSBC and I have to do so that HSBC can not make fool of people.
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