Dear Sir,
I'm a bonafied user of Kotak Credit Card using the same and used to pay their dues always within due dates.
As per stmnt dt: 20-NOV-09 I was supposed to pay Rs.431.00 within 7th Dec. I paid the amount Rs.431.00 vide cheque no. 801387 dt 30-11-09 on Axis Bank, Kankurgachi Br. Kol-54. But unfortunately there was a clerical mistake as the amount was written as " Four hundred thirty only". I got an sms that " Your cheque has been dishonoured by your Bank". After geting the sms I paid Rs.431.00 in cash on 04-Dec (DUE DATE: 07-Dec) in Kotak Mahindra Bank, Kolkata Main Branch, Park St. Kol.
After that in next bill Kotak has charged me Rs. 500.00 as 'chq bounce fees' & Rs. 51.50 as STax.
I oppose the Kotak Customer Care Exe Ms. Minakshi on this issue (Service Request No: 1-274124161 dt: 30-12, time: 5.30 pm) that the case was totally unethical as there was no such intention to make the payt dishonour as the payt made in cash immediately I had been reported and that is also within due date.
After that I have investigate the case through my bank Axis Bank and enquired about the aforesaid cheque and came to know that the cheque was not yet presented to them and they have neither debited any Cheque Bounce Charge to my account nor presented any Chq Return Memo to me.
Kotak has forwarded a memo which is seem to be a non-authentic one as the Bank Logo and the Axis Banks name is looking like Gumming and pasted on a readymade paper.
I can show my bank statement proving that there was no such cheque bounce event occured.
Now Kotak is continuously charging me the INTEREST and the figures became Rs643.71 even a successfull payt of their dues of Rs. 431.
Would like to request you to pls study my CIBIL Records and kindly provide right judgement.
Subhasish Pal
11, Girijendra Nath Chatterjee Lane, Panihati, Kolkata- 700114, W.B.
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