HSBC Bank
Issue in settlement even after paying the requested amount. Status updated in CIBIL

CREDIT CARD DETAILS RECIEVED FROM CIBIL:

Account type: CREDIT CARD

Account Status: WRITTEN OFF

Amount Overdue: 26, 797

Reported by: HSBC

Account Information: 4476921201814468

Date Reported:31-10

Due to personal reason (Lost the job for couple of months), I made the settlement for HSBC credit card on 25 of June as per the settlement document received from HSBC bank. But the executive collected the cheques from me had mentioned 26 of June (i.e. 1 day late) on the payment reciepts as he said that it is not possible for him to deposite the money on 25 of June as bank were closed in the evening. I too missed to check the settlement date in the settlement letter but I verbally confirmed number of times that I have nothing pending now against my credit card. Now after 2 years when I applied for loan, I got refusal as the HSBC bank has updated the status on CIBIL stating Rs.26, 797 outstanding against my credit card account. On enquiring to HSBC bank they state that as I made the payment a day late then the date mentioned in settlement letter so accordingly your settlement stands null and void. After requesting HSBC bank n-number of times stating the fact that it is not my fault as I made the payment on 25 of June but your executive had put the date 26 on the receipts, there is no hearing. I had mailed atleast 10 times to HSBC bank but they are not responsding. Everytime they are giving excuses like my phone is not reachable or they will call me with in 4-6 working days. But still there is no staisfactory response from their end. Please help.

FYI

I have settlement letter as well as the receipts with me as well.

Thanks & Regards,

Nitin Sindhwani

9654221834

Company: HSBC Bank
Country: India

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