Unilateral Levying of Charges aginst a Expired Card
I am a Holder of SBI card no. 4006676015278115 which has expired in June,07. I havenot been using his card for more than a Year now and was not receiving any statements. Out of the Blue On 3rd of November,2007 received a Statement showing some flexipay transaction with code IGN 06 and related late fee and administrative charges. Started writing to standard customer service email id firstname.lastname@example.org asking about details to what the Transaction was all about. Only reply i got was they kept on resending the account statements. Escalated the matter by writing to Head.email@example.com and after several mail exchanges came to know that they had charged some Royal Sundaram insurance charges on the account against this card which was supposed to have been levied after my consent. I clarified to the contrary and also argued that this is an expired card and i had received no intimation of the same. In the last mail they have stated that they have reversed the insurance charges but are unable to reverse the admin and late fee charges as as per their policy admin charges can be reversed if a consumer reverts back within a month. I have been writing to them for last 2 months and they themselves have taken 1 1/2 month to clarify what this IGN06 means. Have kept a record of all email exchanges with them. Please advise as to how can i take this matterup in consumer courts and can i be represented in absentia as i am currently travelling outside the country most of the time.
I do feel cheated on this whole Issue and am very dissatisfied with responses received from the AVP Customer Service, Would like to know my legal standing on this issue as the outstanding charges are to the tune of 4000 INR and they would continue to levy Late fee charges.