I have taken HSBC card (no. 4384 5999 9706 1030) and canceled it on 25.01.2006 without using or swaping it even for single time. One Insurance policy of Tata AIG was offered over telephone by HSBC in NOV with a condition that it will be cancelled if I communicate my unwillingness to join the same. After getting policy I communicated my unwillingness to Sr. Vice President Mr Rajneesh Bhel by FAX immediately and next day I got a phone call from HSBC Mumbai office and when I confirmd again they told that they will cancel the policy. But they did not take any action and started sending the bill continuously with piled up interest. On 24.07.2007 they threatened me of sending my name to CIBIL. I did not agree for their one time settlement offer and took up the matter with HSBC Customer Complain. Afterwards I received a phone call from Mr. Rahul on 5thJanuary'09 and he asked me to pay Rs 3000/= as final settlement to avoid further complications. Though I insisted for advance settlement letter, he told that it is not possible as per HSBC rules. He also confirmed that his person will write the same in the receipt and final settlement letter will be sent within two days. Believing his words I issued the cheque and got the receipt (no 0354733) mentioning that it is towards final settlement. Till date, I have not got the final settlement letter from HSBC. I took up the matter with HSBC Customer complain and they confirmed that they are taking action for reversing all the charges against my card. Till date they have not taken any action and moreover my home loan is stopped by SBI as my name is appearing in CIBIL list. Though I have communicated with HSBC they are not taking any action for zeroing my outstanding balance. Pl. take up the matter with HSBC and delete my name from CIBIL. Also I am unable to understand how a bank can do transaction without the account holder consent and signature and cause both mental and financial harassment to honest and innocent citizens. Also, pl. give kind consideration to revoke my unjust payment of Rs 3000/= under compulsion.
With regards,
S.bhattacharya.
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