[Resolved]  HSBC Credit Card — Recovery after 1 year of settlement of Credit Card

Dear Sir,

My self SUNIL R. KOTURWAR have utilised the Credit Card of HSBC Card no.[protected] for period March2007 to Feb08 - In Feb08 Due to My road accident in Jan 2008 & insufficient financial arrangements. I have requested for Full & Final Settlement of Credit Card Dues. HSBC Credit Cards have accepted settlement vide letter no. FFS/W1/NG/NWO/CPD/18032008/SR dtd. 18.03.2008 - for Rs. 12000/- Due date of payment was 30.03.2008, I have paid full Rs. 12000/- on 24.03.2008 vide receipt no,AA0004738. against settlement letter.

After that there is no communication from Bank.

I am also operating the Savings Bank in HSBC, a/c no.[protected] This was Idle in between 2008 to 2009, Now in Nov 2009 I have started transacting and deposited Rs. 15000/-. Suddenly found that on 29.12.2009 HSBC tr. Rs. 9315/- from savings a/c to Credit Card payments for Card no. [protected], On my communication on phone & mails i come to know about the recovery of the amount 9315/- against credit card.

I have asked about why the recovery is made for settlement made credit card, on mail the reply come if the recoveries made erroneously, the same will be reversed, but, within frequency of 7 to 10 days HSBC tried to linger the matter & now, regretted to refund the recovered amount.

I have already provided the Scanned copy of Settlement Letter alongwith the payment receipt as per requirement of the customer services of HSBC credit cards, But still the amount is not refunded. Also the Balance for Credit Card is not withdrawn from the linked balance of my savings accounts.

Now may savings account shows negative balance Rs. 42663.42/- (as against recovery of Credit Card dues).

Kindly help me to clear the discrepancy created by Bank by & clear my credit records with CIBIL under this credit card no. [protected].

Also to recover the Excess amount recovered by Bank for Rs. 9315/-

As precaution i am not depositing any amount with HSBC savings account and not operating any transaction of cheques also.

Kindly help me to settle this account.

Thanks

Sunil Koturwar
C/o Sarvodaya Tailors
Dhanwate Chambers,
Sitabuldi, Nagpur
Pin - 440 012.
Mobile No. [protected]