[Resolved]  Standard Chartered Bank Credit Card — Credit Card EMI problem

Address:

West Bengal

On 02/02/2013, I purchased an iPhone 4S from Network, City Centre Mall(New Town), Kolkata with my standard chartered credit card.
The cost of the Mobile was Rs. 37,200 and I was charged with Rs. 40,108 as I purchased it in 12 EMI option and the processing charge was included in the amount Rs. 40,108. But the amount was never converted as EMI and the total amount felt due from my Card.

First I called the bank and I was asked tpo pay the minimum amount due and was assured that the dispute will be taken care of. I payed the amount but my problem was not resolved.

Then I send a mail to bank with attachment and all relevant documents on March 25th 2013 that I had and even then that was not resolved(ref no: KMM13175954I15977L0KM).

I had send another mail on April 5th 2013(ref: KMM13178104I15977L0KM) and raised a dispute against the transaction but even then it was not resolved.

Then I send out a dispute form with all documents again on May 20th 2013 (ref no: KMM13905358I15977L0KM) and after 9 days I received a response today on May 29th 2013 saying that dispute needs to be raised with in 90 days and hence my request is rejected.

1> Now why in no communication I was informed that there is a cap of 90 days.
2> I raised the problem starting from February it self over the phone and then by mail why it was not resolved then and that was well within 90 days cap.

Now I am being asked to pay 45K for a product that costs 37K that too I went for the EMI option only because that I can not pay the amount at a time. Where is my fault in all these?