[Resolved]  Standard Chartered Bank — Chartered Bank Credit Card No : [protected]

Standard Chartered Bank Credit Card No : [protected]

I have opted services of above credit card way back in March 2002. I have been placed by SCB in defaulter’s list stating non payment of credit card dues.

Facts of the Case :

1. I have asked to stop service of the card in May 2003 to stop the services of the card on the following grounds.

( A ) I have Withdraw Cash for Rs. 4500/- from SCB , Mithakhali Cross Road , Ahmedbad ATM on[protected] . At the 1st instance I was not able to complete the transaction on the 2nd Attempt I was able to withdraw Rs 4500/- from my Credit Card , and have informed at the Branch / help line on the same date stating the same , help line has assure to reverse the transaction after verifying the things. Subsequently SCB has reversed the entire transaction on[protected].

( B ) SCB has debited Annual Fees vide their statements dated[protected] ,[protected] and[protected].


( C ) I have instructed SCB help line to stop the services in May 2003 and subsequently from June 2003 SCB has stop to levy charges.

I have not made payment of Rs. 1848/- due on April 2003 end from May 2003 on following grounds.

Grounds of Non Payment by me :

( A ) SCB has reversed the disputed transaction in September 2002 , in spite of that they have mentioned the amount withheld in their subsequent statements.

( B) SCB has not reversed the annual fees , once I have subscribed the services on “ NO ANNUAL FEES “ basis. SCB Customer Care Executive has confirmed on helpline to reverse and stop the service of the card in May 2003. In fact considering the same SCB has stop charging any thing from May 2003 Onwards.

( C ) SCB has placed me in the defaulter’s list without intimating me , they have never sent any statement to me . ( enclosed statement sent by SCB (sreejaya P V ) on 30/08/2007 still they have not dispatched statement for Aug, Sept 2007.

( D ) I have never utilized the services of the card considering the above facts and Grounds since May 2003. I am being cheated by SCB, SCB has not bother to take me request , permission , consent , acknowledgment to debit further annual fees to said credit card. I was not happy with the way SCB Services. They have not send me any statement from SCB , SCB has not intimated that your Credit Card account has been placed in defaulter’s category.

Request --

( A ) Balance of Rs 1848 /- in May 2003 was jumped to Rs 14710 /- in July 2007. During the period I have never utilized the services of the Card. Is this a right Business practice to earn profit , SCB has done all the above things once they have stop giving services in May 2003. Once my services are stopped why they have debited further amounts without my taking my consent , request , confirmation.

( B ) It is illogical , unlawful to charge any amount once the accounts is getting default or become N P A.

( C ) I am ready to pay Rs.1848/- with Interest and service tax as per the working enclosed as per Annexure III .

I herewith humbly requested you to help me out considering the above facts and to my willingness to make payment .

Thanking you


Ashesh Pathak
[protected]@gmail.com
[protected]