I am V Chaitanya holding a hsbc credit credit card "4384 5999 9421 7429" which was closed few months back. I am having concern unsern under this. D.O.B "27 may 1984, card expiry " 03/09, present contact 9810808603.
I have already contacted hsbc closed cards depatement of chennai "044-43912106/7 [nobody picking]", delhi " 011-41490770 [told me to contact noida number]", noida-0120-4302114 [nobody picking], hyderabad 040-66162202/029 [Satish S SHENOY Assistant Manager not reachable]
I am explaining you my situation please help me to assist.
I took a loan of Rs 40000.00 under this card approximately in Dec.
I need to pay 4% minimum amount under this every month.
On 30/01 I paid 1000.00 RS, on 29/02 I paid 3500.00 RS & on 28/06 I paid 8000.00 RS. Here I thought; since I have paid this much amount & no need to bother for 2 years. And I didnt opened the monthly statements that I am reieving in my mail at that time.
After 8months of my last transaction I recieved a call from hsbc chennai collections team & I was informed that I my account was closed because of no transactions for 6months & need to pay some amount for closing the card whre they have included late payments also in that outstanding. then I told that I have paid totally 12500 so far which I have suppose to pay approx 9600rs for 2 years. since I am not aware that there should be atleast 1 transaction monthly it happened in this way & requested to reconsider & decrease some amount. then they told me to pay Rs 25000.00 for account setlement. Then I have paid 25000.00 accordingly.
Later I found that my CIBIL SCORE WAS AFFECTED BECAUSE OF HSBC account has been under settlement & I was not able to take any education / personal loan.
Kindly help me how to to over come this. My request to HSBC is to consider my request & re-evaluate & update in CIBIL. I am ready to pay back the remaining amount as well but they are not responding.
Except this mistake from HSBC I am comfortable with their services. If they are able to give an option for over comming the situation. I am ready to apply a loan from them instead of others.
I can send you the mails that I sent to HSBC. Kindly let me know if you required.
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