Dear Sir/Madam,
I dropped the cheque in the skypack dropbox inThane on 27th March well in time, towards the payment of the monthly credit card statement due on 1st April. I also provided the cheque details to the phone banking officers.
HSBC started calling me on my mobile phone when they did not receive the cheque upto 3rd April and clarified that the cheque could have been misplaced. On 3rd April they instructed me to stop the cheque payment in order to avoid the possible misuse and asked me to re-issue another cheque. I immediately instructed my bank (SBI) to stop the cheque payment and issued another cheque. HSBC SMSed me on 4th April that received my first cheque and later SMSed me that the cheque was dis-honoured. On 5th they received my second cheque.
After this events, when I got my statement, I found that HSBC has charged me Rs.1248/- towards the late payment fee & finance charges.
I have been using HSBC card since 1998 and been very punctual in making payments. Despite my repeated request of reversal of these charges for no fault of mine, HSBC has not considered the complete reversal.
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