Dear Sir,
I hold a HSBC Credit card (No: 4384 5913 9301 0117).
On 17-Dec-09, I lost my card and got it blocked on the same day. Also, I requested for a new card.
The payment for the month of November was due on 24-Dec-09. Hence, as advised to me by the phone banking officer, I made a cheque payment of Rs. 10, 252.00 towards my old credit card (4384 5999 8060 2758) on 18-Dec-09.
However, as the money was not debited from my savings bank account, I registered a complaint with HSBC on (apparently) 23-Dec-09. I was told that as the card no. has changed, it may take time for the money to get transferred.
On 26-Dec-09 I visited the HSBC branch at Powai, as the transfer had still not taken place. They connected me to the phone banking officer, who advised me to block the cheque payment and make a VISA Money Transfer. I did so. To confirm the same, I called up the helpline number. The phone banking officer took note of the payment and reversed the late fee charges of Rs. 441.20.
On 5-Jan-10 I received my credit card statement for the month of Dec. The statement shows Finance charges of Rs. 808.61.
The loss of my card combined with a series of holidays during this period has led to the late payment. However, I wish to repeat that I had made the payment on 18-Dec-09 as against the due date of 24-Dec-09. I had no intention of delaying the payment.
I have been charged for no mistake of mine.
I hope that you will understand the genuineness of my problem and reverse the Finance Charges.
Regards,
Shailesh Mishra.
[email protected]
9820335656
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