I had applied for a HSBC credit card in the month of June, which was received on 28 th July.
I had made a purchase of about 3800.00 RS on 15 th August. I received a call from HSBC on 3 sep 2008 stating that my outstanding balance was 5300.00, for which no bill was posted to me. I had consulted HSBC Customer care centre for a clarification for this during which I learnt that I have been charged with a Late fee of 400.00 plus there were two premium paid for a TATA AIG policy each Rs 500.I had asked the Cust Care exe. To immediately cancel this policy as I had not applied for it.
During which I was intimated that I would have to pay the first premium on RS 500 as I had not cancelled this policy within 20 days. They also offered me certain bonus points if I paid this amount. I repaid my actual outstanding balance for which I had made a purchase of Rs. 3800 immediately, but I did not pay the 500 RS which was premium for the policy.
In the following month I intimated HSBC that I have crushed/lost their card and no longer wish to use it. I also visited HSBC office at SB Road Pune, which asked me call Customer Care directly as they don’t deal with Credit card queries. I made several requests through email to [email protected] after which I was emailed this scanned copy of the document I had signed. My complaint no. was Reference Number: 2902245678. Email Subject as per HSBC
I wish to let you know that I this document was signed in complete ignorance, that I was signing the documents for the application of the credit card I promised by the agent. I also did not receive ant TATA AIG policy with this credit card so that I could cancel it within 20 days.
Now I have been getting threatening calls from HSBC recovery department stating that my outstanding balance is around 3500.00 (500 .00 interest).
They are asking me to pay atleast 1000.00 Rs to settle this matter.
I feel completely cheated ans misguided all the way.
Please help me out of this.
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