[Resolved]  HSBC Credit Card — Reported to CIBIL inspite of payment made.

Bank - HSBC
CC NO - [protected]
Other details in relation with Cibil Report-
Opened* : 17.09.2004 *High Credit* : 12151 *Status* : Written Off *Last
Payment*: 13.12.2004 *Closed :* 08.09.2005 *Type:* Credit Card *Reported
:* 30.09.2009
Details: My card has been closed and subsequently I have to pay the amount as they have put me in defaulter list. I have been confirmed by HSBC that my name has been removed from the defaulter list. Still they have reported the same in CIBIL. Which I consider a clear case of mental harassment and misuse of tool. Due to this I have gone through quite a big financial impact as well.

I have applied for home loan transfer with SBI and has been told that "written off" does not go well with bank and thus it must be removed from there.
Looking past history and wrong commitments from the HSBC bank, I found consumer forum to be best place to take the cause.
I would also like to claim my financial loss with bank and removal of my name from CIBIL immediately as status "closed".

Please find the details of one set of correspondence with HSBC.

[protected][protected][protected][protected][protected][protected]
Farooque Shahab <[protected]@gmail.com>
Your credit card transaction list
16 messages
girish.[protected]@hsbc.co.in <girish.[protected]@hsbc.co.in> Tue, Oct 10, 2006 at 11:34 AM
To: [protected]@gmail.com
Dear Mr. Farooque
Please find attached your credit card transaction list from the day one till Jun'06.
Please call me on [protected] for further clarification and closure of the card.
Thanks & Regards..........
Girish.K
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FAROOQUE.xls
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Farooque Shahab <[protected]@gmail.com> Thu, Oct 12, 2006 at 9:22 PM
To: "girish.[protected]@hsbc.co.in" <girish.[protected]@hsbc.co.in>
Dear Mr.Girish,


 
     
 
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I have gone through the document sent by you. I understand that the transaction made by Eureka Forbes has been
wrongly paid.I would like to dispute this transaction and would like have detailed investigation.
In the meantime I will also like to get my name immediately removed from the defaulter list and have the confirmation
for the same from your end.
However hereby I confirm that I am ready to pay the money if fault founds to be my part.
Please confirm the same.
Best Regards,
Farooque Shahab
[protected]
[Quoted text hidden]
--
Farooque Shahab
SAP MM-WM Consultant
girish.[protected]@hsbc.co.in <girish.[protected]@hsbc.co.in>
Fri, Oct 13, 2006 at 9:33
AM
To: Farooque Shahab <[protected]@gmail.com>
Dear Mr. Farooque
As per the discussion we had in our previous telicon, you had told me that the Eureka Forbes transaction had held in
the month of Nov. You had also told me that the transaction had held after the card was closed, which cannot
happen. The Eureka Forbes transaction has held in the month of April'05, wherein your card was closed in the month
of September'05. There cannot be any dispute at all.
With regards to your name to be removed from the MCNF this cannot be done until the entire outstanding is paid on
your credit card.
Thanks & Regards...........
Girish
"Farooque Shahab" <[protected]@gmail.com>
[protected]:22 PM
Mail Size: 12708
To Girish KESHAVAMURTHY/CCR BGE/HBAP/[protected]@HSBC
cc
Subject Re: Your credit card transaction list
Our Ref
Your Ref
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This message originated from the Internet. Its originator may or
may not be who they claim to be and the information contained in
the message and any attachments may or may not be accurate.
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If you are not the addressee you may not copy, forward, disclose
or use any part of it. If you have received this message in error,
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Internet communications cannot be guaranteed to be timely,
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Farooque Shahab <[protected]@gmail.com> Fri, Oct 13, 2006 at 10:33 AM
To: "girish.[protected]@hsbc.co.in" <girish.[protected]@hsbc.co.in>
Dear Mr.Girish
I understand under the perview of any fradulent transaction VISA takes care off and do enquire with the vendor also.
The card was blocked or not, is a seperate issue but getting cheated by vendor is also an important issue while
using a credit card. I would like to take it up further.
However still if you feel that I do not deserve to complain further and take up the issue to authorities responsible of
making me victim, I will pay the transaction amount (not the fine and interest) for now and would like to be removed
from MCNF.
If HSBC fails to address my concern I will take up the issue to appropriate authority to prove my innocence in this
case.
I am sure HSBC is an esteemed bank and carries good reputation in business world will not use MSNF as a tool to
harrass his customers.
Would like to hear from you and your suggestions and guidelines.
Best Regards,
Farooque Shahab
[Quoted text hidden]
girish.[protected]@hsbc.co.in <girish.[protected]@hsbc.co.in> Fri, Oct 13, 2006 at 12:45 PM
To: Farooque Shahab <[protected]@gmail.com>


 
     
 
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Dear Farooque
You have to pay the complete the outstanding, if your name has has to be removed from the MCNF. As you said,
we are not trying to harass you in the name of MCNF.
Regards.........
Girish
"Farooque Shahab" <[protected]@gmail.com>
[protected]:33 AM
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************************************************************
The Hongkong and Shanghai Banking Corporation Limited,
India Area Management Office,
52-60 Mahatma Gandhi Road, Fort, Mumbai-400001, India
Incorporated in the Hong Kong SAR with limited liability
************************************************************
*******************************************************************


 
     
 
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This e-mail is confidential. It may also be legally privileged.
If you are not the addressee you may not copy, forward, disclose
or use any part of it. If you have received this message in error,
please delete it and all copies from your system and notify the
sender immediately by return e-mail.
Internet communications cannot be guaranteed to be timely,
secure, error or virus-free. The sender does not accept liability
for any errors or omissions.
*******************************************************************
"SAVE PAPER - THINK BEFORE YOU PRINT!"
Farooque Shahab <[protected]@gmail.com> Fri, Oct 13, 2006 at 2:49 PM
To: "girish.[protected]@hsbc.co.in" <girish.[protected]@hsbc.co.in>
Dear Mr.Girish,
As you made it clear that niether you are interested to investigate the issue further and nor interested to give any
consideration of the fine though I still reiterate that I am a victim of wrongful, I am here bound to comply with your
guideline to pay money otherwise my name will not be removed from MCNF (as stated in your mail below).
Therefor I am ready to pay the money (as I have been left with no option for further discussion on the issue with
you) , please clarify the following..
1. Mode and Amount of payment
2. Time to get the confirmation of removal of my name from MCNF.
Preferably I would like to pay by a method which can be materialised fastest.
Thanks & Regards,
[Quoted text hidden]
girish.[protected]@hsbc.co.in <girish.[protected]@hsbc.co.in> Fri, Oct 13, 2006 at 4:00 PM
To: Farooque Shahab <[protected]@gmail.com>
Dear Mr. Farooque
First I would like to know where are you to collect the payment.
You will have to make INR 15711.00. I will take 4 working days to remove the name from the MCNF.
Please let me know where should I get the payment pickedup.
Please call me on [protected] we shall discuss in clarity.
Thanks & Regards........
Girish.


 
     
 
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"Farooque Shahab" <[protected]@gmail.com>
[protected]:49 PM
Mail Size: 37846
To Girish KESHAVAMURTHY/CCR BGE/HBAP/[protected]@HSBC
cc
Subject Re: Your credit card transaction list
Our Ref
Your Ref
Dear Mr.Girish,
[Quoted text hidden]
girish.[protected]@hsbc.co.in <girish.[protected]@hsbc.co.in> Mon, Oct 16, 2006 at 2:07 PM
To: Farooque Shahab <[protected]@gmail.com>
Mr. Farooque
Did not hear from you regarding the payment.
Please revert immediately.
Regards..........
Girish
"Farooque Shahab" <[protected]@gmail.com>
[protected]:49 PM
Mail Size: 37897
To Girish KESHAVAMURTHY/CCR BGE/HBAP/[protected]@HSBC
cc
Subject Re: Your credit card transaction list
Our Ref
Your Ref
Dear Mr.Girish,
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Farooque Shahab <[protected]@gmail.com> Mon, Oct 16, 2006 at 3:33 PM
To: "girish.[protected]@hsbc.co.in" <girish.[protected]@hsbc.co.in>
Dear Mr.Girish,
Right now I am travelling and will be in Mumbai on 30th Oct 2006. Could you send your person on 31st October
2006/1st Nov 2006 at following address:
Radhakrishna House,
Majiwade Village Road
Thane (West)-400601
Regards,
Farooque Shahab
[Quoted text hidden]
Farooque Shahab <[protected]@gmail.com> Thu, Nov 2, 2006 at 11:11 AM
To: girish.[protected]@hsbc.co.in
Dear Mr. Girish,
I am back from travel. Could you send somebody to collect the money
from me in order to settle the issue for now.
I will require the confirmation of reciept and confirmation for
getting delisted from the defaulter's list on satyam mesh.
My office address is
Radhakrishna House,
Majiwade Village Road,
Thane(West)
I am available at office from 10 to 8 PM on all working days.
Best Regards
Farooque Shahab
On 10/10/06, girish.[protected]@hsbc.co.in
<girish.[protected]@hsbc.co.in> wrote:
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Farooque Shahab <[protected]@gmail.com> Fri, Nov 3, 2006 at 7:28 PM
To: girish.[protected]@hsbc.co.in
Dear Mr.Girish,
I have done the payment today for an amount of Rs.15711/- as asked.
Needs to get the confirmation from your end.
Best Regards,
Farooque
On 10/10/06, girish.[protected]@hsbc.co.in
<girish.[protected]@hsbc.co.in> wrote:
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girish.[protected]@hsbc.co.in <girish.[protected]@hsbc.co.in> Sat, Nov 4, 2006 at 11:49 AM
To: Farooque Shahab <[protected]@gmail.com>
Dear Mr. Farooque
Recieved payment Will be sending you the Letter via Mail & Hard coppy.
"Farooque Shahab" <[protected]@gmail.com>
[protected]:28 PM
Mail Size: 4977
To Girish KESHAVAMURTHY/CCR BGE/HBAP/[protected]@HSBC
cc
Subject Re: Your credit card transaction list
Our Ref
Your Ref
[Quoted text hidden]
[protected][protected]-
******************************************************************
This message originated from the Internet. Its originator may or
may not be who they claim to be and the information contained in
the message and any attachments may or may not be accurate.
******************************************************************
*******************************************************************
This e-mail is confidential. It may also be legally privileged.
If you are not the addressee you may not copy, forward, disclose
or use any part of it. If you have received this message in error,
please delete it and all copies from your system and notify the
sender immediately by return e-mail.
Internet communications cannot be guaranteed to be timely,
secure, error or virus-free. The sender does not accept liability
for any errors or omissions.
*******************************************************************


 
     
 
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 #
$%&'(
/ *)" )+))""+,"
"SAVE PAPER - THINK BEFORE YOU PRINT!"
Farooque Shahab <[protected]@gmail.com> Mon, Nov 13, 2006 at 4:53 PM
To: girish.[protected]@hsbc.co.in
Dear Mr.Girish,
I have not received any document from your end confirming my delisting
from the defaulter list.
May I request you send the same at the following address...
Farooque Shahab
Radhakrishna Foodland Pvt. Ltd.
Radhakrishna House,
Majiwade Village Road,
Thane (West)-406001
Kindly confirm as early as possible.
Best Regards,
Farooque Shahab
On 10/10/06, girish.[protected]@hsbc.co.in
<girish.[protected]@hsbc.co.in> wrote:
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girish.[protected]@hsbc.co.in <girish.[protected]@hsbc.co.in> Mon, Nov 13, 2006 at 5:38 PM
To: Farooque Shahab <[protected]@gmail.com>
Dear Mr. Farooque
There is no written format, to forward the you any letter stating that your name is delisted.
I have forwarded your file for the removal of the name from the MCNF.
"Farooque Shahab" <[protected]@gmail.com>
[protected]:53 PM
Mail Size: 5192
To Girish KESHAVAMURTHY/CCR BGE/HBAP/[protected]@HSBC
cc
Subject Re: Your credit card transaction list
Our Ref
Your Ref


 
     
 
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 #
$%&'(
+ *)" )+))""+,"
[Quoted text hidden]
[protected][protected]-
******************************************************************
This message originated from the Internet. Its originator may or
may not be who they claim to be and the information contained in
the message and any attachments may or may not be accurate.
******************************************************************
*******************************************************************
This e-mail is confidential. It may also be legally privileged.
If you are not the addressee you may not copy, forward, disclose
or use any part of it. If you have received this message in error,
please delete it and all copies from your system and notify the
sender immediately by return e-mail.
Internet communications cannot be guaranteed to be timely,
secure, error or virus-free. The sender does not accept liability
for any errors or omissions.
*******************************************************************
"SAVE PAPER - THINK BEFORE YOU PRINT!"
Farooque Shahab <[protected]@gmail.com> Mon, Nov 13, 2006 at 8:54 PM
To: girish.[protected]@hsbc.co.in
Dear Mr. Girish,
Could you please enquire and confirm back the same to me that my name
is been removed from MCNF?
Regards,
Farooque

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