To
The Manager
Payment assistance unit
SBI Card & Payment service pvt.ltd.
Dlf infinity Tower, Gurgaon
Sub: My SBI Credit card no.5264685314482736
Ref: our letter reference dated14.03.2007
Your E-mail message dated26.03.2007
Dear sir,
I would like to invite your attention to the following paras for your persual & necessary action:
1) Though I have saving A/c at SBI, Bonhooghly Industrail Estate Branch, kolkata & I never had any requirement of a credit card nor I intended to acquire one for any purpose in view of lot of controversies & pending cases against the credit card issuing authorites which are now under scrutiny of Reserve bank of india & State cosumer forum.
2) It is only under repeted insistance of the representative of SBI credit card occupying space in the bank itself that I had to yield based on all mis-information, misguidance & supression of fact presented by your representative like-
a) The credit card to be issued is life time free & no one time or Anual service charges or hidden cost is involved.
b) That the isssued credit card is not linked to any insurance coverage for which the card holder has to bear the burden of paying premium
3) I have never used the credit card issued to me for any purchase or wthdrawl of cash as on date. But surprisingly enough the suppressed facts hvave been revealed through your above reffered statements & communications whrein Iam repeatedly reminded for payments of dues for reasons best known to you.
The most valid point is that why should i be interested in your credit card with all the hidden cost & suppress fact when some of the Banks are offering Life time free credit cards
4) The linked up insurance coverage with Royal Sundram alliance company ltd has already taken action for cancellation of the insurance policy no. HS00159933000100 & REFENDED & FORWARDED an amount of RS 657/- for necessary reversal on my A/c which has also been ignired by you while sending the statements to you.
5) The issued credit card is Life time free as stated by your representative & your staement for payment of dues is un called for as insurance premium debited has been refended back to my A/c & the card has never been used for any purchase or cash withdrawl by me as on date. Amount shown as due for payment in your statements are fictitious for which only your representative
can be held responsible who appears to be trained in mis-leading the customer with perfection, suppressing facts & transperency
The entire approach is un-ethical & embarrassing & must be discouraged at all levels of the credit card issuing authority
6) As it stands, your statement is required to be revised as NILagainst total amount due. Otherwise it will be presumed as a
practice, en-forced to cheat customer by rasing fictitious bill without evidence /details, thereafter insisting for settelement of the matter withcancellation of the credit card at an amount lesser than originally indicated in the statement as dues for payment with the objective of collecting money from the customer by whatsoever means in the name of recovery.
7) there is no question even for your negotiated stellement when you are unable to produce any evidence/details of purhase or cash withdrawl from my credit card.your repeated reminders through stetements /communications can be perceived as harassment & threatening & accordingly the matter will be taken up with competant authorites to deal for appropriate action to stop this kind of harassement from your side omce & for all.
I had requested you several times to kindly arrange to send a fresh monthly statement showing NIL statement in terms of money because till date I have not made any transication any where utilising the above credit card.
Further, I would like to inform you that till date I have not received any corrected monthly statement showing NIL statements, so I am enclosing herewith credit card cut in two pcs
diaogonally for destroying at your end.
Yours faithfully.
SUNIL KUMAR
AA-20, D.B.NAGAR,
SHOOL PARA ROAD
BAGUIATI, KOLKATA-59
COPY TO: A) The president,
West Bengal state consumer dispute redressal commissions, Bhawani Bhawan, Ground floor, Kolkata-700027
B) Competant authority, R.B.I, kolkata
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