[Resolved]  HSBC Bank — regarding delay & harassment in the complaint resolution

I have been continuously receiving calls from your call centre for making payments toward my HSBC gold card. I have not mad the payment for the last due as on 11th sep 2008, I would just like to bring to your notice that why have I not made the payment. I have a credit card of HSBC bank on which I have given a request for balance transfer facility for an amount of 22617/- on 6th of Feb. 2008, later on it was informed to me on 15th Feb. 08 from phone banking that BT request has been disapproved because of some error in my CITI card. I agreed to that & got the error's rectified in CITI bank & again applied for a BT of 25000.00 on 17th Feb. 08 which was approved & I received the DD for an amount of 25000.00 for my CITI card, later on I received a balance transfer on 11th April 08 (DD dated 4th April 08) for an amount of 22617/- which was cancelled as per the phone banking. I called up the phone banking on 12th to know that why the DD has been sent, to my surprise it was told to me that your old request was later on processed for which I didn't repeated the request as it was cancelled. The phone banking people asked me to send the DD along with a letter to any of the branch for the cancellation of the same. I did the same & got the DD submitted to the CP branch in Delhi. On enquiring on 20th march I came to know that the DD has not been cancelled I asked the reason phone banking people said that you have to give an indemnity for cancellation as the DD was lost in transit by the bank. I said that is not my fault but then also I will give the indemnity. I went to the Punjabi bagh branch in Delhi on 2nd April where I came to know that the indemnity has to be given in a 200rs stamp paper. I called up the phone banking to know why I should pay the charges for the error which has been made by the phone banking people. They said sorry for the error from their side, in lieu they will credit 5000 bonus points to my a/c. I agreed to pay the stamp charges & get the DD cancelled. I again called up the phone banking on 6th April to know the status weather the DD has been cancelled or not, it was not cancelled, I asked about the bonus point it was also not credited, I asked about why it has not yet happened, they said there is some delay they will credit the amount to the card as soon as possible, also said that the 5000 points would not be possible to credit as that is too much I said that why then it was confirmed to me that this would be possible. I talked to the manager on the floor she said that she can credit 1000 points & get the DD cancelled in another 3-4 working days again I agreed to their saying. I again called them on 17th April to check the status weather the same has been cancelled or not, again the same delay & they said they will call me in 3-4 working days after the DD is cancelled, I said o.k. I did receive a call back on 29th April saying that the DD has been credited to the CITI card on 17th of March. I checked with CITI it was not credited. I again called up the HSBC on 30th April to tell the status that the DD has not been credited in the CITI card, to my surprise Mr. Gaurav who gave me a call back on 29th April said we will send the letter saying that the same has been credited to my CITI card I said ok send the letter. So far I have not received the letter or the amount back into my card or the bonus points, it has been more than 7months no revert, and now I am regularly receiving calls from your collection department to make the payment, you tell me why I should make the payment. When these collection agents call me, I always inform about the problem, every time they say they will get back to me but I haven’t heard any one calling me. I have also forwarded a complaint with ombudsman for a compensation of Rs 10 lakhs, for your reference my complaint no[protected]. I have also written mails to [protected]@hsbc.co.in, [protected]@enterprise.in, Rajneesh bahl, but I have not received any revert. I don’t have any hopes from HSBC but I have some hopes still left from banking Ombudsman. May be this will open your eyes & probably something can be done on this.
After all these Ombudsman has sorted out the problem, by getting the refund of the service charges & the amount of 22617/-, but I am looking for the compensation as I have been harassed by the HSBC for a long time.
I have been traumatized by the calls from HSBC, I have lost my job because of the problem, I have received many threats to make deposits from HSBC. Letters have been sent to me to make calls. Interests have been charged, I have been made to feel that i am guilty for what I have not done, request you to kindly look into the matter.