To
The Director
Credit Information Buerau of India Limited (CIBIL)
Hoechst House, 6th Floor,
193, Backbay Reclamation,
Nariman Point, Mumbai – 400 021.
Sub: Final settlement activity of HSBC bank
Dear Sirs,
Please find below my earlier letter sent to HSBC to correct my wrong CC statement. Even prior to this i have made so many requests by mail and letters to correct the wrongly updated statement and furnish the correct stmnt to clear the outstandings.
Being a reputed banker with proffessionals they failed to do so and were demanding me to make the payment mentioned in the statement which i have not used and the accrued charges which are not of my fault.
Finally, they only able to put me as a defaulter after 5 months and came for full final settlement against the payment of INR 6000.00 (find attached the scanned copy of settlement letter) pened in such a way that iam unable to the pay the dues and my name is listed in CIBIL defaulter list. Being a person with intention of non-fraudulent kind, i made the payment of INR 6000 as cash.
I request your good self to interfere in these kind of issues where the customers are illtreated and made as non payers due to the bank's later than usual approach on correcting the statements.
In my case, HSBC has really exploited me and spoiled my credit rating with CIBIL due to their mistake. You can refer my records with other banks, i am a prompt pay master as per the time line.
Please file this as a complaint. Await for your feedback.
Regards
Rajaprasad. V
9840963646
& On Thu, 18/12/08, raja prasad wrote:
From: raja prasad
Subject: Fw: attach
To: [email protected]
Cc: [email protected], [email protected], [email protected]
Date: Thursday, 18 December, 1:24 PM
To
The Manager – Debt Management
Consumer Credit Risk
The HSBC Bank
Card Products Division, Post Bag, 29128,
52/60 M.G.Rodad, Mumbai – 400 001.
Sub: Service Levels / Dispute in Billing
Dear Sir / Madam,
This is with reference to your letter dated 03/12. (enclosed). It is
really depressing me about the suspension of my card account. Please refer
my earlier mails sent to you (enclosed mail copies). Once again I sum up
the issue for your ready reference.(See attached file: HSBC.pdf)
I started using the card services from June. My purchase will be
maximum to the tune of Rs.5000/- or even lesser than that. HSBC has never
sent me any statements to my permanent address till November. With out
updating on the status of dues, your collection team has forced me to make
some minimum payments which has totally made me upset.
In addition to that, I came to know thru the call center that I was charged
Rs.505/- every month towards “Repayment Protection Fee” (TATA AIG) which
I
have never asked for / not authorized by me. This clearly shows the
unethical business practice and an illustration of customers being
exploited by the bank.
Me being a customer of other banks for the past eight years, I have never
been a defaulter / late payer to any bank on my entire financial
transaction history.
Once again I stress, I will be able to make payment only if the correct
statement with reversals sent to me. It is not that the customer is held
responsible for the non-payment due to the dispute billing by the bank.
Thanks & Regards
Rajaprasad. V
9840963646
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