HSBC Bank
Credit card

I have been issued HSBC credit card free of cost 4-5 years bank. I am a central government officer with Accounts and Audit department of railwlays.sir bank either not charged annual fee every year or reverersed annual fee in subsequent month. This year bank denied to reverse it. I requested to cancel my card for non reversal of annual fee of Rs.1050/ approx (April&-#039;09 Billing date 7th of every month). I made payment by due date (29th of every month) less annual fee so charged in April&-#039;09.But in between (i e. billing date and payment due date i had purchased grocery of 3080/- so I has to pay that amount and close my card but bank charged delay finance charge and service charge thereon in next bill to the tune of Rs.480/- without my fault.

Bill of April (9-3-09 to 7-4-09) Rs.5443 (includes annual fee 1050 108 Tax)

purchase 14 april Rs.3080

Received bill on 16th April Requested bank to reverse the annual fee on 22 April (Before payment date of 29th april)

But bank denied to reverse hence I made payment Rs. 4285 cheque debited from my account on 29-4-09 (5443-1158)

On 7th of may I contacted bank to cancel my card but they preseurised to make dealy payment charges Rs. 406/- (Without any delay)

Which I paid (rs.3080/- 406) on 7th may due to threat/harrassment by HSBC bank customer care

My contention is that there was no delay in the month of 29th april (Payment debited on 29-4-09) then how hsbc can charge delay payment or finance charges and service tax.

what legal remedy available.

All copies will be given alongwith cheques details and billing copy

Company: HSBC Bank
Country: India

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