Dear Sir / Madam,
This is regarding my credit card (no.4384599997694962) with HSBC bank. earlier I was getting my monthly statement through post as well as through mail. But for past 2 months (November & December) I am not getting my statements either by post or through mail. I requested the bank to send the duplicate statement & was told to make the payment and was promised that I will be getting the statement within 24 working hours. The first request for the statement was made on 8th Dec. Since then I got calls for several times from the collection department of the bank. every time I got the call I asked them to send the statement so that I can verify the correctness & then make the payments as I was finding some discrepency in the amount being told orally by the executives. But every time I was told to make the payment rather than the bank sending me the statements. Since that time I didn't recieve any statement. As I was highly dissatisfied withe the behaviour of the bank I decided to close the card.
My statement date is 25th of every month & I called up the customer care once again on 24th Dec to give me a settlement amount. The executive clearly denied giving any settlement figure & told that I will have to wait for 2 more days as the new statement will get generated by then. I told her that as I want to close the card so I don't want to delay the payment. I also told the executive that I will not be responsible for making any furtther charges being added in the new statement as I can make the payments immediately to avoid any such charges. I also wrote a mail to the mail ID mentioned in the bank's site ([email protected]) on 24th Dec expecting to get a resolution immediately. But as an unfortunate part I got the a reply of thismail after 12 days (i.e. th January) saying that no settlement is possible.By this time their was an additional amount of Rs. 10, 500/- charged to me through various ways (without the card being used).
Looking at this kind of behaviour by the bank I was really worried & thus in fear of aviding any further charges I made a payment of Rs. 1, 20, 000/- thinking that the bank may listen to me & close the card after this. But as an irony once again I didn't get any resolution for this. I called up the customer care no. (011) 23739696 wrote mails to [email protected] on 27-12-08, 4-1-09, 7-1-09, 9-1-09 but didn't hear any positiv not from the banks side. I once again made a payment of R. 1700/- in expectation that I may be able to get all the unwanted & ingenuine charges reversed. But the bank is in no ways looking to give an honest resolution to my problems.
This is my last hope while writing to the consumer forum that I get an honest resolution to my problem.
FINANCIAL DAMAGES:
1) Late payment charges from December onwards
2) Overlimit charges from December onwards (if any).
3) Rs. 10, 500/- added in December months statement & all other charges in subsequent months.
4) Cost incurred in travelling & time wasted in going to HSBC offices (to be verified by honourable forum)
5) Cost incurred in calling the HSBC customer care department (to be verified by honourable forum)
6) Any other hidden charges imposed by the bank related to finance charges imposed in previous months (to be verified by honourable forum)
PHYSICAL DAMAGE:
1) High mental & physical harassment in past 6 months due to bank's ill response & harassment calls for payment.
Please note: Sir/Madm, I'm not getting my card statements also from last 6, 7 monts. Earlier also it was not regular.
Thanks & Regards,
Vishal Srivastava,
09873004052 (mobile)
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