Sub: REGARDING HSBC CARD NO.xxxxxxxxxxx63794
I am mailing you this letter after getting so many threatening calls & torturing remarks from your reputed bank. The bank of your reputation doing such things which is giving me everyday frustration & harassment.
I made very first purchase of Rs.2759/- from my HSBC card on 24/12 from Sahil Creation, Vikaspuri, New Delhi, after that following things started happening with me.
Payment was due on 26th Jan.2008 but did not receive any statement but still I deposited a cheque no.435565 (syndicate bank) on time at HSBC ATM at PVR Vikaspuri, New Delhi-18. The cheque was lost in between transaction by HSBC side and I received a call from Mumbai (as told to me) about due payment. I gave all my cheque details to that executive and he very nicely told me to deposit another cheque of same amount and he remove all late payment charges etc. etc.and also assured me that bank will return my cheque if they find it. After the regular assurance I deposited another cheque no. 435567 of same bank which was cleared on 15/02 from my account.
In the statement of 05 Feb to 04 Mar.2008 was showing all details that executive had told me and also showing due payment of Rs. 10/-(ten only) (this was my insurance premium which I accepted for two months scheme of Rs.10/-{ten only}/mth with the condition to send full details in writing) but shocked to see that my lost cheque no.435565 was also produced to my bank without any information on 27/02 and which was rejected by my bank.(Cheque return charges deducted from my account).your bank has also levied different charges on me for that..still I paid my premium of Rs. 10/- vide cheque no.435574 payable at Syndicate bank Delhi and cheque was cleared on 29/03.
After all this I called customer service to stop all transactions but gone in vain. On 17/04 I have sent an Email for the same but instead suggestions were made to me rather solving my problem.
customer care has given me lots of numbers to talk that are 2379696, 23738989, 011-41490770, 2517601/02 (Mr. Gourav Girdhar name given by the executive never picked the phone). I already had wasted lot of money, time, and peace of mind for that.
Now bank is like a bad dream for me as your recovery agents are so manner less that they do not know how to talk and they use to call at my office. I have all the recordings of their calls with telephone numbers & date /time of the calls. I have very good reputation with other banks and your amount is not so big for me but
FOLLOWING ARE MY QUESTIONS
1. When the payment was not due why the bank has produced lost cheque for the clearance?
2. If payment of Rs.10/-was due (as said by the bank) how can I pay Rs.2759 for just Rs.10/-due payment?
3. If I was defaulter why the payment was made for insurance?
4. If I am defaulter how can I issue another cheque on just word of mouth?
5. How bank can pay my insurance without my consent signature?
6. Why the bank has not sent consent form?
7. How can I accept a insurance without seeing its terms and conditions?
8. Who is going to pay for my lost reputation with my bank?
9. Who is going to pay Cheque return charges put on me by my bank?
(VINAY KUMAR MALHOTRA)
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