Kindly Help out. Below is the problem faced by us using the HSBC credit card. My Husband is in dubai and they are harassing by telling my husband that his visa will be cancelled and they will call the cop. The fact being that we had asked for the detailed statement and they did not respond till date, but they are coming up with figure 1.5 lakh to be paid by us but actually we have to pay Rs 825. How to come out of this kindly advice
Trailing mails below
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Dear Vikas,
As per the tele-talk, these are the below trailing mails attch sent my us to HSBC. I would request u to go through this mail. I also require the justification for the outstanding being quoted by HSBC.
I will be the single point contact to close this settlement. Request HSBC to contact me for any further interactions.
Rgds
Premalatha. SK
From: Premalatha Rajendran [mailto: [email protected]]
Sent: Tuesday, January 25 4:53 PM
To: Raj, Prema
Subject: Fwd: Fw: Fwd: Regarding my Credit Card no 4384599912365714
&&&- Forwarded message &&&-
From: senthil kumar
Date: Wed, Jan 6 at 1:43 AM
Subject: Fw: Fwd: Regarding my Credit Card no 4384599912365714
To: [email protected], [email protected], [email protected]
Cc: premalatha SK
Dear Manoj/Lalit
Pls find the below trailing mails stating the interactions which i had with M/s HSBC.For the mail which i had sent in the month of Nov (refer below last part of the mail), the reply was sent (as pasted) and i received the hard copy which i am having now and based on that record the outstanding was INR 50, 825.65. After that i didn't use the card.
Still iam not satisfied with your reply sent to me stating that total usage is 72300/ what is the meaning of total usage? See the attached state ment
Based on the mail u sent, it is specified as Total usage 72300/-.
Kindly clarify for the difference in amount.
Also clarify why is the difference between closing and opening balance.
Please find attached the reconcillation Statement for your Billing Details Vs Payment Made
MAILS (Pasted below 2010)
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& Forwarded Message &-
From: "[email protected]"
To: [email protected]
Sent: Thu, 2 November 2:57:08 PM
Subject: RE: Credid Card Bill [#2387215]
Dear Mr Kumar
We refer to your message of 01 November.
We wish to inform that we have arranged to dispatch the Duplicate statements to your mailing address and you will be receiving the same within five working days.
If we may be of further assistance, please do not hesitate to send us a message or call our 24 Hours Phone Banking numbers.
A complete list of our phone banking numbers is available at http://www.hsbc.co.in/in/personal/phone.htm
Warm regards
Divya Rammohan
Customer Service Officer
HSBC India.
&-- Forwarded Message &-
From: "[email protected]"
To: [email protected]
Sent: Tue, 2 January 7:02:53 PM
Subject: Re: Case 1433071 RE: Credid Card Bill [#2387215]
Dear Mr Senthil
We refer to your message dated 01 January.
We apologise for the inconvinience caused to you.
As per teleconversation we trust we have clarrified your issue.
We maintain strict security standards and procedures to prevent unauthorised access to information about you. HSBC will never contact you by email to validate personal information such as your user ID or password. If you receive such a request, please call our hotline numbers as mentioned below.
If we may be of further assistance, please do not hesitate to send us a message or call our 24 hours phonebanking services.
A complete list of our phonebanking numbers is available at http://www.hsbc.co.in/in/personal/phone.htm
Warm Regards
Sathish Kumar
Customer Service Officer
HSBC INDIA
rom: senthil kumar
To: [email protected]
Sent: Sun, 31 December 11:00:52 PM
Subject: RE: Credid Card Bill [#2387215]
Dear sir
Please note my Contact no- 09901932320
FYI
Regards
senthil
**************************************************************************************************************
2010
Rgds
Mr. Senthil KUmar
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On Tue, Dec 29 at 4:32 PM, wrote:
Dear Customer,
As per our records find enclosed the details :-
Total usage 72300/-
Total Payment 51931/-
Purchase return 13299/-
RCD 1931
Fin Charges 44095
All three payments are reflecting in your credit card statement.
For further information call Lalit Garg @9999229962.
Thanks & Regards
Manoj Paliwal
...
Tie Line - 81362162
...
Premalatha Rajendran
29 Dec 15:47 Mail Size: 1333156
To
Lalit GARG/CCR NDH/HBAP/HSBC@HSBC03, Manoj PALIWAL/CCR NDH/HBAP/HSBC@HSBC03, HSBC INDIA/INM/HBAP/HSBC@HSBC03
cc
Senthil Kumar, senthil kumar
Subject
Fwd: Regarding my Credit Card no 4384599912365714
Our Ref
Your Ref
Hi Lalit/Manoj
Almost one week got over still, no reply to the below mail. Kindly expedite to resolve this issue.
Rgds
Mrs. Senthil Kumar
&&&- Forwarded message &&&-
From: Premalatha Rajendran
Date: Tue, Dec 22 at 3:59 PM
Subject: Fwd: Regarding my Credit Card no 4384599912365714
To: [email protected]
Cc: senthil kumar, Senthil Kumar
Dear Mr. Lalit
FYI
Rgds
Mrs. Senthil Kumar
from
Premalatha Rajendran
[email protected],
[email protected]
dateMon, Dec 21 at 1:31 PM
subjectFwd: Regarding my Credit Card no 4384599912365714
mailed-bygmail.com
hide details Dec 21 (1 day ago)
Dear Manoj
Awairting for ur reply!!!
Rgds
Mrs. Senthil Kumar
&&&- Forwarded message &&&-
From: senthil kumar
Date: Sat, Dec 19 at 12:51 AM
Subject: Regarding my Credit Card no 4384599912365714
To: [email protected]
Dear Mr. Manoj
With ref to your mail (Credit Card No: 4384 5999 1236 5714), I would like to bring to your notice the below points/concern
Quote:
Ø Last Statement Received through hard copy: Statement Period
20th Sep 2006 to19th Oct
Amount stating (New Charges Late charges Service Tax)
: &> INR 50, 825.65
Ø Mails where sent requesting for HSBC Credit card bill, but no response
(Mail Dated à Wed, 1 November 3:54:40 PM).
Ø Card was not used for any further purchase/transactions after the month October and it got expired in may.
Ø Payment Details made by the card holder for the above statement
(Proof Transaction confirmation deposit Slip)
ü 17 Nov &>MGRoad branch, Bangalore&> INR 16, 000.00
ü 13 Feb &>MGRoad branch, Bangalore&> INR 20, 000.00
ü 3 Sep 2007 &>MGRoad branch, Bangalore&> INR14, 000.00
Note:
Only the payment of amount INR 14000.00 has got reflected in the
Statement, but the other two payments (Rs16, 000/- and Rs20, 000/-) has
Not got reflected in the statement.
Ø So, Balance to be Paid is (50, 825-(16000 20000 14000))= Rs 825.65 by the card holder.(Eight Hundred and Twenty Six only).
Ø Request HSBC to mention the service tax for the amount Rs 825.65 and arrive at the settlement amount, so that the same is settled by the card holder and also request HSBC to issue NOC.
Ø I would like to highlight the error in the statement generated by HSBC.
Credit Card Bill NO
From Date
To Date
Opening
Balance
Closing
Balance
571420070820010706[1]
20-Jul-07
18-Aug-07
47079.39
49292.68
571420070920025852
19-Aug-07
19-Sep-07
49292.68
36752.24
571420071120010292
20-Oct-07
19-Nov-07
38573.13
38520.88
571420071220005718[1]
20-Nov-07
19-Dec-07
38520.88
38510.85
571420080220009435
20-Jan-08
19-Feb-08
40548.4
42658.08
571420080320006365[1]
20-Feb-08
19-Mar-08
42658.08
44745.01
571420080421020418
20-Mar-08
19-Apr-08
44745.01
47003.26
Note :
Kindly observe the bolded once, the mismatch between the closing
balance and opening balance of the subsequent month showing a difference of
amount 2000 .
Ø Kindly furnish the details of transactions based on which amount of
Rs 92, 238.37/- has been arrived as mentioned in the Demand Notice.
I once again request u to analyse this case, so that I don’t have any obligation with HSBC. Hope HSBC does not give any room to escalate this further to respective authorities.
Expecting the reply at the earliest.
APPENDIX
1. Mail Attached
2. Statement Attached.
Rgds
Senthil Kumar. V.
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&-- Forwarded Message &-
From: senthil kumar
To: [email protected]
Sent: Wed, 1 November 3:54:40 PM
Subject: Credit Card Bill
Dear Sir
Many times iam requesting you people to send the Bill of My Credit card having No-4384599912365714. my Total Out stading i want to know. So far i have not received single Bill but your customer service person keep on calling for payment but they are not responding to send the Bill.
This is not a way of treating the customer like this.
When ever you requred to be your customer they use to come regularly and ask mant things.
May i request once again to send the bill
Senthilkumar. V
71/56, Prem nagar
JanakPuri
newdelhi-110058
Regards
senthilkumar. V
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The Hongkong and Shanghai Banking Corporation Limited,
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Incorporated in the Hong Kong SAR with limited liability
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The Hongkong and Shanghai Banking Corporation Limited,
India Area Management Office,
52-60 Mahatma Gandhi Road, Fort, Mumbai-400001, India
Incorporated in the Hong Kong SAR with limited liability
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Reconcillation of Bill Statement Vs Payment Made.xlsx
11K View as HTML Scan and download
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