[Resolved]  HSBC Personal Loan — EMI collected by fraud representative

I took a personal loan from HSBC last year. I gave all the documents and it was approved. I received the monet and they told me that the ECS would be deducted. But i always had to pay the amount in cash. I gave them the cheques 3 times for activating the ECS. But it was never done nor did they return my documents. I was paying the amount every month by cash. They used to call me and send an executive to my residence.

In the month of december last year, an executive came to my place and collected money and gave me the receipt. I also checked his ID card and it was from HSBC. After i paid the amount, i again got a call from HSBC bank that my EMI is due. I said that i have given the amount and they asked me to give the receipt number. I gave the receipt number and they said that the receipt number is incorrect and they have not issued this receipt.

I went to the bank and they told me that the case has been sent to the Fraud department and they are trying to figure out who took the money as they already have more cases where the same incident has happened.

They never called me back and i was following up with them on a regular basis. I also co ordinated when they asked to identify a number of people in photographs as well as in the bank. But they were not able to figure out who took the money.

All my personal details which i gave to the bank was leaked and it was available to the representative who came to my residence. That representative had a list of all the people whose EMI is pending and also had their account numbers and other details like residence address, phone number, PAN card number etc. This is a fraud which have been done to me and now they have put my name in SEBEL so that i cannot even apply for a loan.

This is totally wrong on their part. I was ready to pay the EMI but my only concern was that incident. I followed up with the bank but noone helped me out. I believe that HSBC bank should be penalised for this and not me. My name should be removed from SEBEL and i have the fraud receipt with me. I also went to the consumer court in Pune but they said that i will have to send a notice to them before i can file a case.

I request you to please help me out in solving this matter.