HSBC Credit Card
Non Conversion of O/s in EMI
- 01-28-2008
- 69
Dear Sir,
I am existing customer of HSBC Credit card for last 2 years. My card no is 4476 **** **** 8677. on Nov 22, I received a message from HSBC on my mobile no 9422226866 "Repay your outstanding of Rs.29900 on card no. 8677 in 3 EMIs at 0% interest. Call 1800112888 ……"
According I called on given no on 24 or 25 & spoke to Ms Dipika who in term confirmed the offer & told me that she can convert upto 80% of my limit & hence I should pay Rs.3500/-. Accordingly I paid the amount of Rs.4, 000/- hoping the amount will be converted in EMI at 0% interest.
However when I received the statement in the month of Dec, I was surprised to see that the amount is not converted in EMI bank charged interest against their promise. As I was out of India, I replied by EMAIL to the statement, however the same was bounced as invalid email. Copy of the same is attached herewith. When I came back in India, I was continuously following the matter with bank helpline but they have always asked me 3-4 days time to resolve issue. Meanwhile I paid the amount as per original term of 1/3 of O/s hoping that bank will improve & keep its promise & will not fall back on its commitment. I was unable to get any feed back from your esteemed bank.
Further when I received the statement in Jan, again to my surprise, bank has not reversed the amount, kept on charging interest. When I again called helpline, who usually keeps customer awaiting for more than 25-30 min, on 15th Jan, Mr. Jaydeep spoke very rudely & told that in call back I have denied to accept the offer. When asked to give me their confirmation call they all denied.
I can't understand the logic, when I called & asked for offer, how can I reject the same? I past I never paid in part. This time also I was ready to pay full amount in the month of Nov also but wanted to test the hospitality of bank, which now I feel I can't think of in future.
I again offered to pay in full in Dec but because the helpline people was doing verification of complain, I paid according to my promise.
I hope u can verify the matter in detail & take appropriate action.
Thank you,
Harish Chopada
Company: HSBC Credit Card
Country: India