[Resolved]  HSBC Credit Card — CPP fee withdrawal without my consent and late fee

Address:

Jaipur, Rajasthan

Dear Supporter
I sent you one grievence against HSBC card and once again sending you. I have been threaten by their letter reference NIL dated 09/07/2010 that if i don't pay then other financial institution may also stop to support me. It is a clear case of exploiting Indian people. I further would request you to take immediate legal action against this bank and relie[censored]s.
The letter of reply to HSBC is given as under.

Regards.

JAYANT RAJVANSHI
[protected] (MB)


Nazrana Khatoon
> Customer Service Executive
> The Hongkong and Shanghai Banking Corporation Limited



Ref: Letter from Manager-Debt Management

Customer Credit Risk. Dt.[protected]



Sub: As per your letter over due amount in INR 300=00



Madam



Ok let us take it as a case to consider and fair conclusion.



Little about me: In 1993 i was having Dinners club card when the concept of credit card was very new in India. That time HSBC was not born in Jaipur.
I was having ICICI bank credit card which are being still hold and due to my
good capacity of repayment and good customer relation by paying payment
in time they awarded Identity card (privilaged card) Your HSBC bank came in my contact (mind you as you have approached to have your card) and you provided me HSBC visa gold card. Initially with INR 75000 credit limit which was increased upto INR 1,75,000 Approx. So the experience of holding card as per my capacity is proven.

Now where is the problem?

When you charge unnecessary amount, charges amount without any consent from the card holder, then late fee on the unjustified amount etc.

Study my case now

April 2010 due amount as per credit card statement total due was Rs. 227.48

May 2010 I paid Rs. 500=00 and my balance due on you was Rs. 272.52

June 2010 You have charged CPP charges Rs. 995=00

How can you use my credit card wihout my consent?

Did you take any permission from the card holder to pay to CPP. You said CPP is a different body, it means you have paid the amount to a person who does not belongs to you and you have paid the amount on his
instructions. Means you have miss utilized my card which i treat as fraud with
me. And surprisingly you have charged late fee on the amout CPP has charged. Now you said CPP has reversd 50% amount why 50% and why not 100%. Your bank acitivities comes under doubt that you miss utilized the card holders and you have made this kind of transaction as your earning source.

And if a person oppose this kind of fraud transactions you send a letter of threatening as you have sent me on 09/07/2010 . Where you have demanded INR 300=00 and if i don't pay then restrictions of getting finanicial support from the other banks will also be imposed .

I did not want to go to consumer court but now you people have forced me to go into shelter of counsumer court.



Futher through this instruction i advise you to cancel the card with immediate effect and please take into record.

Thanks

jayant rajvanshi












> Date: Thu, 15 Jul 2010 19:20:34 +0800
> From: [protected]@hsbc.co.in
> To: [protected]@hotmail.com
> Subject: Your HSBC Credit CardXXXX 3452 (KMM7856599I123L0KM)
>
> Dear Mr. Rajvanshi,
>
> Your HSBC Credit Card 4384 XXXX XXXX 3452
>
> Reference Number-[protected], [protected]
>
> We refer to your email dated 10 July 2010 received through
> [protected]@hsbc.co.in regarding concerns on your HSBC card account.
>
> We request you to note that CPP policy has been cancelled on 21 June
> 2010 and refund of INR 497.50 was credited to your card account on 24
> June 2010.
>
> Further, we regret to inform you that no further refunds are applicable
> for your credit card from CPP.
>
> We trust that the measures taken in this regard have been transparent
> and the explanations given have helped you clarify your concerns.
>
> We request you not to let this incident deter your interest to bank with
> us. You are a valued customer of the bank and we look forward to your
> continued patronage of the bank's services.
>
> Assuring you of our best services always,
>
> Please feel free to write to us if you require further clarification or
> call our Phone Banking services.
>
> For an online demo on Internet Banking and more information on our wide
> range of products and services please visit our web-site www.hsbc.co.in
>
> Yours sincerely,
>
> Nazrana Khatoon
> Customer Service Executive
> The Hongkong and Shanghai Banking Corporation Limited