Hello Sir,
I have taken a HSBC Credit Card in the year 2006 and my limit was 15000/- first i have used 10, 000/- and i have been paying minimum amount of Rs.500 and in between i have using the card, later i have also paid Rs.6000 and after few months i have swiped for purchasing the computer i.e 5000/- but for few months they did not send me the credit card statement and asked me to paying Rs. 19000/- where i have not utilised that much of amount because i was under the impression that my limit was 15000/- only, but bank people gave me a call asking me paying for Rs.19000/- i was shocked that why my bill has come for rs. 19000/- where else my limit was only 15000/ but they told me that my limit has been increased, i asked them whether they have informed me regarding this or did they send me any letter about the enhancement of my limit, the same i have informed the customer care but they told my that for good customer they will not inform regarding enhancement and later they asked me the email ID for sending the statement, but as of now i have not yet received the statement of my Credit Card because of which i stopped payment for more than one year. Now they have put me in defaultor list in CIBIL. If i am a defaultor i would have not paid any loan to any bank. I have taken two personal loans from ICICI and Citi Bank, but i have cleared my personal loan without any cheque bounch and also i have taken two wheeler loan from HDFC bank also where i have cleared the whole amount without any cheque bounch and also i have received the No Objection certificate of bank regarding my clearance of my loan, Now how can i be the defaultor. I purposely did not paid the amount for HSBC credit card for the excess bill.
Last week i have settled the amount for 15000/- wherein i have the receipt and letter of closing, but they have not removed my name from the defaultor list in CIBIL till now.
Hence i request you to do justice regarding this because i trust the consumer forum a lot, If you ask the HSBC bank to remove my name from CIBIL i would be grateful to the government, because i don't want to spoil my career.
Thanks,
Nannaram
9000999357
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