I was holding HSBC credit card number ***************5198. A few months ago, HSBC closed my credit card account without any notification. After a few months of closure, i received a number of phone calls from HSBC to make a settlement by paying Rs. 3000 against the outstanding. I agreed to them and they sent an executive to handover the settlement letter to me and to collect the settlement amount on 30/12. The settlement letter was issued saying your no dues statement will be issued once you have paid Rs. 3000 before 2nd Jan. I paid the same amount on 30/12 to the executive and got payment receipt by HSBC. I have the settlement letter and receipt with me. I received the last statement on Jan saying payment of Rs. 3000 but account not settled and it was showing a due amount. After jan i did not receive any statement from HSBC.
This month, when i visit the bank to get the no dues certification or 0 balance statement, they told me that there is no such settlement offered to me on the same date. I shown the settlement letter to them and they denied this sying its a false letter. They also told me that the agency which collected money has been closed now and HSBC is not responsible for the same. Now they are asking me to re-settle the account.
I am not going to pay anything because of your or your authrised agency's fault. I need the NOC or 0 balance statement else have to file case in Cunsumer Court.
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