HSBC Credit Card
Serius Concern:& I didnot make any transaction, but I am getting outstanding bill amount to be paid

I got a credit card from HSBC, after that i tried paying at a shopping mall, but the card dint work. It said transcation couldnt be processed due to invalid Card.

After that i never used that card.

Now they have generated a bill amounting to 5600/- and they want me to pay the same.

Got a call from their legal deptt saying that the bank is ready to settle it by accepting its fault and paying 50% of that amount.

The question is "Why do i pay for something which i dint use, and over that the mental harassment by these billing statements and inconvenience caused as the CARD did not work when i needed it"

Any idea how can i deal with this situation.

Does consumer forum help in this regard.

please share your views.