[Resolved]  Standard Chartered Bank Credit Card — Refund of Card Enhancement Pack

Address:

Pune, Maharashtra

I am holding a credit card from Standard Chartered Bank from last one year. Last year In Jul-Aug there was a call from Ms. Asha Yadav one of the representative at PUNE from same bank canvassing for one package, CEP ( CARD ENHANCEMENT PACKAGE) in which there was a general insurance policy from TATA AIG for which I was isuuing cheque of 357/- Rs. every month in favor of SCB as a policy premium. Against whcih SCB gave me three types of coupons 1) Travel vouchers 2) Free health Check Up coupon 3) Dinnners Club card for discounted rate foods and bevagres at few hotels. I did not use any of the coupon in the period . While applying for the package the representative told that at any point of time you can cancel the package. If the cancellation is 15 days before expiry you will get refund 75% of the amount you have paid.
I have surrendered my package 8th July 2011. I received a mail on 15th July communication from one of their office Ms. Jayaprada that they have received the package and the 75 % amount will be refunded which will be reflected in next statement.
Next week I received statments due of 858 Rs. against the same CEP. The statment was raised on 25th July 2011. They have received the package on 12th July. How can they raise the statement on 25th July for due payment. After receipt I sent a mail to bank custmer care , called custmer care I discussed with Mr. Laxmikant that day, he told me to wait for 3/4 days, but next day on the contrary I received a mail from other officer "BENDEDICT " that bank is unable to refund the said amount.
After that I sent 2 reminders in last week. The bank has not replied till date.
Pl advice further case of action, to file the case/ complaint.Pl also let me know whether I should refer to RBI custmer care? If you need any further clarification pl revert back.

Your urgent reply is expected .

With best regards

Uday Kulkarni
An unfortunate sufferer