The due amount was not more than 5K. There were payments delayed due to my abroad travel and my relocation from Delhi to Hyderabad, there were huge interest rates and service charges when i was actually notifed after couple of months through a phone call. After this I have gone personally and closed the card with a full and final settlement at their office, they even gave a discuount becaue i was ready to make in one payment and close the card. I have even recieved the closure letter. All this happenned in after this i have taken home loans, car loans form a ICICI bank, Credit Cards form ICICI and Citibank who never found my name in the defualter List (SATYAM database). Now in 2008 another back which is offerring an NRI loan sees my name in SATYAM database under defaulter list. This is the most rediculous think to happen. Just because the consumer does not know what they do, they just spoil a customer's reputation here. Can some one please help me out. Is there a way to legally sort this out. How can only banks do this, what about customers facing problems with this banks.
I have made 14 international calls to HSBC customer care, some say they dont have my card number reflecting in the database, some redirect to some collection service, some does not have a clue and they agree the card was closed on a final settlement. Some ask me to write a letter and visit the HSBC branch. Appprecite any inputs my loan processing is held in abeyence because of this careless ness from a HSBC bank.
How do i come out out of this, my card number is (5548 3700 0903 1514, closed on 28th 2003 nov).
Please help, having lived in abroad, I am shocked to be notified after so many years, strange how other banks did not notify me if they had found this. I live in London now, cant even visit or sort this personally through a vist.
Many thanks for the help or suggestions.
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