I am holding HSBC credit card No:4384599990087404 . I am not using this card since more than 20 months and in 2007 . I settled down eveything before I went out of country ..that time it was told to me that you pay the amount due and further no charges will be applied but still HSBC is charging me the interest. I was under impression that things has got settled down as there was no communication to me regarding the same. I came to know when few days back somebody called me from Recovery department. I have called at their call center but was not able to receive proper help from them. They are forcing me to pay bill which I have not used at all. The outstanding amount comprise of late fee and financial charges. Rest all payment was done long back I am ready to take legal action instead of paying to HSBC Please guide how should I proceed..
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