[Resolved]  ABN AMRO / RBS — Credit Card issue.

Address:

Central Delhi, Delhi

I had an Credit Card Account with Abn Amro Bank. I lost my card & requested bank to block my card on Phone & Haus Khas Branch, Due to in sufficient information about my card they rejected to block it.
I tried a lot to find my credit card details but not be able to due to house shifting. After some time bank start calling me to pay outstanding amount. I went to (Bhara Khamba Branch CP Delhi) to meet the manger for the issue, that time we had some hard conversation & he locked me into the conference room with one of his executive, who forcing me to pay the amount & manager said I will not leave you till the time you are not making payment. When I tried to called police & they took my phone over. After some time they purpose me to have settlement on the amount & asked me to pay 2700 RS.
I gave them the amount but they didn’t gave the settlement letter. Manager said that Settlement letter will come from our HQ Mumbai directly to you resi address. I tried a lot & follow-up with manger to have the settlement letter but no response from them. This instance happened in Jan-2007.

ABN bank stopped contacted me by Phone/ SMS or Monthly statement at home. I assume that it has been settled but again I start receiving call from RBS collection staff. They used very abuse language & harsh me by calling every day.
I was trying to get in touch with ABC management & came to know that it has been take over by RBS. I was trying to contact RBS management but no response. I called Customer forum & found few contact numbers for the bank & got one email id to contact bank of such issues. I sent mail about the instance but after long time no proper solution from bank on the incidence.
Please find the latest mail update from bank on the mail communication.

rediff.com








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From:
"ramansharma_r"<[protected]@rediffmail.com> | Add to Address book |This is spam




To: <in.[protected]@rbs.com>


Subject: Re: RE: RE: Cradit Card Querry.


Date: Mon, 10 Jan 2011 12:27:52 IST


Note: To help protect your privacy, images from this message have been blocked.View images | What is this?






Hi Team,

No updated yet on the statement part.

Thanks'
Raman



On Mon, 03 Jan 2011 15:38:51 +0530 wrote
>
Dear
Mr. Sharma,
>
>We refer to your email
datedDecember30, 2010.

>
We regret that you have had reasons
to be dissatisfied with your interaction with ourcollection officers.

Your feedback has been shared with
the concerned executives and we assure you that corrective actions have been
initiated to avoid any such recurrences.
>
As
communicated earlier our records currently do
not indicate any settlement on the card account. Please note that any settlement
to be processed on the credit card account is communicated through a signed
letter from respective Collection Manager.

Kindly note that the
total outstanding on your card account is Rs.32,163.97 which is payable by you.
The account is suspended due to non payment of the dues within the stipulated
time.

Therefore, we would
request you to clear your dues immediately to avoid any further charges and
collection follow up.

Please note that verbal discussion is not sufficient
for account settlement.

Kindly note thatthe Bank
hassentseveral communications to your mailing address to remind you
of the overdue balance.Please
note that no card statement is generated afterJuly 15, 2007
since your card account was suspended in our records.

We regret to inform you that we will not be able to
provide you with the contact details of your officer.However request you to
please advise if you are interested in settlement of your card
account.


Please note that we
are arranging to send the duplicate statement from March 2006 till November 2007 to your email id
through a separate email for your reference.

>
You may also quote
thereference number [protected], in
case you need any further clarification on the above resolution.

Please feel free to write back to us
for any further clarifications in this regard or call our 24-hour Bank by
Phone service in your city and our executive will be glad to assist
you.
Assuring you of our best
services.
>Yours sincerely,
>Prate Kalra
>Service Delivery-Credit
Cards
>***********
>QUICK
TIP
>****************************************************************************...⇄
RBS Bank's IFSC code remains
ABNA0200001 for online NEFT payments towards RBS card.
>Access this URL to view payment options available
on your RBS Credit Card.
>http://www.rbs.in/consumer/creditcard/make_payments.htm

********************************************************************************...⇄
>

>


From: ramansharma_r
[mailto:[protected]@rediffmail.com]
>Sent: 29/12/2010 10:17
PM
>To: ~ Cardservices
>Subject: Re: RE: Cradit Card
Querry.
>
>
Hi Team,

>From the very 1st mail I am writing that there is some gaps from bank side
by deputed manger. I had a verbal discussion & forcefully Manager took the
Money from me. I tried a lot to have the settlement letter but no response from
manger. Now After lots of request I have not received the statement to check the
account & transaction details.
>
>I am ready for proper resolution on
the issue which I am not getting on mail. Now I am not looking for mail
discussion, Please provide the contact person name to resolve the issue
otherwise I will check for possible resolution from Customer Forum & go for
it to resolve the issue.
>
>I am very disturbed by the behavior by
collection Manger that time & now again for collection after 3 Yrs with no
intimation in between.
>Thanks
>Raman
Sharma
>[protected]
>
>
>
>On Wed, 29 Dec 2010 10:26:49 +0530
wrote
>>
>
>Dear Mr.Sharma,
>
>
>This is with reference to your
email
>datedDecember
>24,2010.
>
>We wish to inform you that as per

>our records there is no settlement update on your card

>account.
>
>We would like to inform you that
>total outstanding on
your card account is Rs 32,163.97 which is payable by you.
>
>
>Request
you to please
>advise if you are interested in settlement of your card
account.
>You may also quote the
>reference number [protected], in case you
need any further clarification on the
>above resolution.
>Please feel free
to write
>back to us for any further clarifications in this regard or call
our 24-hour
>Bank by Phone service in your city and our executive will be
glad to assist
>you.
>Assuring you of our best
>services.
>Yours
sincerely,
>>Vimal
>Rana
>>Service Delivery-Credit
Cards********************************
>
>>QUICK TIP

>>************************************************************************...⇄
>RBS
Bank's IFSC code remains
>ABNA0200001 for online NEFT payments towards RBS
card. Access this URL to
>view payment options available on your RBS Credit

>Card.
>http://www.rbs.in/consumer/creditcard/make_payments.htm

>****************************************************************************...⇄

>
>From: ramansharma_r
>[mailto:[protected]@rediffmail.com]

>>Sent: 26/12/2010 9:42
>PM
>>To: ~ Cardservices
>>Subject:
RE: Cradit Card
>Querry.
>>
>>
>Hi Team,
>
>>
>>As
checked with Consumer Forum on the issue, they don’t have any details
>with
them after merger of ABN to RBS. I have been advised by consumer Forum to

>get details for regional responsible person for the Credit Card department
who
>can help to resolve issue. Request you to provide the Name & contact
no so I
>can fix a meeting to resolve the issue prior to go for any legal
action as per
>Consumer Forum.
>>Hope for quick response on
same.
>>
>>Thanks’
>>Raman

>Sharma
>>[protected]
>>
>>
>>On Tue, 07 Dec 2010 23:53:29
+0530
>wrote
>>>Hi
Team,
>>>
>>
>>>
>>That’s what I am trying to say from

>below mail. Collection manger lie me & collect money against settlement
but
>in actual he didn’t settle my card & showed to bank collected money
as
>collection for minimum due amount, He also did some settlement internally
to
>stop my statement, calls & SMS from bank.
>>>
>>My main
concern is
>that manager lie to me & I was under impression after this
incidence that
>card is closed. I had follow-up with him for at least 3
months to have
>settlement letter but he didn’t responded correctly. As said
by him that card is
>closed & you will not receive any thing from bank
for recovery & get the
>settlement letter at your residence from Mumbai
directly. I found him correct
>when everything got stopped from bank & i
stop follow-up for statement.
>
>>>
>>Now the final result is:
Collection manger made me fool in Jan 2007
>& bank again starts follow-up
for collection after more than 3.5 yrs. with
>huge
amount.
>>>
>>Now I will stop writing mails because I am not
getting
>resolution on the issue & found useless efforts, I will find
another legal
>way to get this
addressed.
>>>
>>
>>>
>>Thanks for your support on the

>issue,
>>>
>>
>>>
>>Raman

>Sharma
>>>
>>[protected]
>>>
>>
>>>
>>
>>>
>>On
Tue, 07 Dec
>2010 10:47:39 +0530
wrote
>>>
>>>
>>>
>>Dear

>
>>>
>>Mr.Sharma,
>>>
>>>

>>>
>>>We refer to your email
>datedDecember 03,
2010.
>>>
>>
>>>
>>
>>>
>>At the outset
please
>
>>>
>>accept our apology regarding the inconvenience
caused to
>you.
>>>
>>
>>>
>>We would like to
inform you that as
>>>
>>per
>our records credit card statement
is dispatched to your preferred mailing
>
>>>
>>address on every
statement date.

>
>>>
>>
>>>
>>
>>>
>>Please note that
no card statement
>
>>>
>>is generated afterJuly 15, 2007 since
your card account was
>
>>>
>>suspended in our
records.
>>>
>>
>>>
>>As

>
>>>
>>communicated earlier. Our records currently do

>>>
>>not
>indicate any settlement on the card account. Please
note that any settlement
>
>>>
>>to be processed on the credit
card account is communicated through a
>signed
>>>
>>letter
from respective Collection Manager.

>
>>>
>>
>>>
>>Kindly note that the

>>>
>>total outstanding on
>your card account is Rs.32,163.97
which is payable by you. The account is
>
>>>
>>suspended due to
non payment of the dues within the stipulated

>
>>>
>>time.
>>>
>>
>>>
>>Therefore,
we would
>>>
>>request
>you to clear your dues immediately to
avoid any further charges and
>
>>>
>>collection follow
up.
>>>
>>
>>>
>>Request you to please
>advise if
you
>>>
>>are interested in settlement of your card

>account.
>>>
>>>
>>>
>>You may also quote

>>>
>>thereference
>number[protected] , in case you need any
further
>>>
>>clarification on
>the above resolution.

>>>
>>Please feel free to write back to us

>
>>>
>>for any further clarifications in this regard or call
our 24-hour
>Bank by
>>>
>>Phone service in your city and our
executive will be glad to
>assist

>>>
>>you.
>>>
>>Assuring you of our best

>
>>>
>>services.
>>>
>>>Yours sincerely,

>>>
>>>Priti
>Kalra
>>>
>>>Service
Delivery-Credit
>>>
>>Cards

>
>>>
>>>***********
>>>
>>>QUICK

>>>
>>TIP

>
>>>
>>>********************************************************************...⇄
>>>
>>RBS

>Bank's IFSC code remains
>>>
>>ABNA0200001 for online NEFT
payments
>towards RBS card.
>>>
>>>Access this URL to view
payment options
>available
>>>
>>on your RBS Credit Card.

>
>>>
>>>http://www.rbs.in/consumer/creditcard/make_payments.htm

>
>>>
>>
>>>
>>************************************************************************...⇄
>>>
>>>
>>>
>>
>>>
>>>
>>>
>>
>>>
>>
>>>
>>From:

>ramansharma_r
>>>
>>[mailto:[protected]@rediffmail.com]

>
>>>
>>>Sent: 03/12/2010 5:44

>>>
>>PM
>>>
>>>To: ~

>Cardservices
>>>
>>>Subject: Re: FW: RE: Cradit Card

>
>>>
>>Querry.
>>>
>>>
>>>
>>>
>>>
>>Hi

>Team,
>>>
>>>I
>>>
>>have not mentioned
anywhere in the mail that
>I have received the settlement

>>>
>>letter & on every mail I am
>saying that bank
collection team & the
>>>
>>present manger took money
>from
me in against settlement but they didn’t gave me
>>>
>>anything as

>settlement letter. I have not received anything from bank or

>
>>>
>>collection team after lots of efforts, but monthly
statement on
>residence
>>>
>>address / e-mail, SMS & calls
got stopper from Jan
>2007 onwards. This
>>>
>>instance
happened in Jan 2007 & after more
>than 3 years again bank stat

>>>
>>calling me for the dues.

>
>>>
>>>
>>>
>>>I am not getting response on
my queries but on
>
>>>
>>every mail & getting a diplomat
answer witch is not a part of my
>query.
>>>
>>After lots of
mails still my queries are same & also have
>not got any

>>>
>>response to have a meeting with concern person on this

>matter. Now at this time
>>>
>>after a lot of mail follows up
hope that
>bank will not be able to resolve the
>>>
>>issue. I
will check go for
>appropriate way to have the resolution on the

>
>>>
>>issue.
>>>
>>>Thanks’
>>>
>>>Raman

>Sharma
>>>
>>>[protected]
>>>
>>>
>>>
>>>
>>>
>>>On

>Wed, 01 Dec 2010
>>>
>>19:31:49 +0530

>wrote
>>>
>>>>
>>>
>>>Dear Mr.

>Sharma,
>>>
>>>>
>>>
>>>>This is with

>
>>>
>>reference to your
>>>
>>>email dated
November29,

>
>>>
>>>2010.
>>>
>>>
>>>
>>>We

>>>
>>>take due
>
>>>
>>cognizance of the
concerns raised and we assure you that your
>feedback

>>>
>>>is
>>>
>>valuable in our efforts to
improve the
>services.
>>>
>>>
>>>
>>>We

>>>
>>>have taken a
>
>>>
>>note of your
conversation with our collection agent. However, the

>
>>>
>>>call was
>>>
>>made on the account
only to apprise you
>about the outstanding on your

>>>
>>>credit
>>>
>>card account
>and not to
cause any inconvenience.
>>>
>>>>
>>>
>>>We
would
>like to
>>>
>>
>>>
>>>inform you that as
per the records of the
>Bank; an offer of settlement has

>>>
>>never
>>>
>>>been
>facilitated to you
against the credit card payables.

>
>>>
>>>
>>>
>>>We

>>>
>>request you
>
>>>
>>>please note that a
Settlement on the credit card is facilitated
>
>>>
>>at the sole

>>>
>>>discretion of the Bank. The Bank
>initially arrives
at a decision
>>>
>>on the payment
>>>
>>>of

>the current liability pertaining to the credit card

>>>
>>account after a
>mutual
>>>
>>>agreement
is arrived upon by the Cardmember (CM) and
>
>>>
>>the Bank. The
Bank then
>>>
>>>issues an
>Offer-of-Settlement duly printed
on its
>>>
>>letter-head which details
>the

>>>
>>>terms and conditions of the settlement offer

>
>>>
>>along with the payment to be

>>>
>>>brought forth by the
>CM. As stated earlier,

>>>
>>such a written Offer-of-Settlement

>
>>>
>>>has never been facilitated to you as per

>>>
>>the records
>of the
Bank.
>>>
>>>
>>>
>>>Please note that the total

>outstanding on your
>>>
>>card account is

>>>
>>>Rs. 32,163.97
>
>>>
>>>which is
payable by
>>>
>>>you. The account
>
>>>
>>is
suspended due to non payment of the dues within the

>
>>>
>>>stipulated

>
>>>
>>time.
>>>
>>>
>>>
>>>Therefore,
we would
>
>>>
>>>request you to clear your dues immediately

>>>
>>to avoid
>any further charges and

>>>
>>>collection follow

>up.
>>>
>>>
>>>
>>>Request you to

>>>
>>please
>
>>>
>>>advise if you are
interested in settlement of your card

>
>>>
>>account.
>>>
>>>
>>>
>>>>You
may also quote the
>reference number
>>>
>>>[protected], in

>>>
>>case you need any
>further clarification on the above

>
>>>
>>
>>>
>>>resolution.
>>>
>>>>
>>>
>>>>Please

>feel free to write back to us for any
>>>
>>further

>
>>>
>>>clarifications in this regard or call our 24-hour
Bank by Phone
>
>>>
>>service in your

>>>
>>>city and our executive will be glad
>to assist you.

>>>
>>
>>>
>>>
>>>
>>>Assuring you
of our
>best
services
>>>
>>>>
>>>
>>>>Yours

>
>>>
>>
>>>
>>>sincerely,
>>>
>>>>
>>>
>>>>Jitin

>
>>>
>>>Chouniyal
>>>
>>>Service

>>>
>>>Delivery-Credit

>
>>>
>>Cards
>>>
>>>>***********
>>>
>>>>QUICK

>
>>>
>>
>>>
>>>TIP
>>>
>>>>****************************************************************...⇄

>
>>>
>>
>>>
>>>
>>>
>>>RBS
Bank's IFSC code
>
>>>
>>>remains ABNA0200001 for online NEFT
payments
>>>
>>towards
>RBS
card.
>>>
>>>>Access this
>>>
>>>URL to view
payment
>options available
>>>
>>on your RBS Credit

>
>>>
>>Card.
>>>
>>>>http://www.rbs.in/consumer/creditcard/make_payments.htm
>>>
>>>>****************************************************************...⇄

>
>>>
>>
>>>
>>>
>>>
>>>
>>>
>>>From:
ramansharma_r
>
>>>
>>>[mailto:[protected]@rediffmail.com]

>
>>>
>>
>>>
>>>>Sent: Monday, November 29,
2010
>
>>>
>>>1:33 PM
>>>
>>>>To: ~

>
>>>
>>Cardservices
>>>
>>>>Subject: Re: RE:
Cradit Card

>
>>>
>>
>>>
>>>Querry.
>>>
>>>>
>>>
>>>>
>>>
>>>
>>>
>>>Thank

>for the update,
>>>
>>>>
>>>
>>>>I
would
>
>>>
>>
>>>
>>>like to inform that I was
receiving the email’s
>& hard copy also for

>>>
>>
>>>
>>>statement till Jan 2007
>&
got stopped from Jan 2007 Only.
>>>
>>>>The

>>>
>>amount
>you
>>>
>>>are talking about
2700 is the offered settlement amount from
>the
>>>
>>Bank
Manager
>>>
>>>& I paid it at the same time
>after
harassment in the bank
>>>
>>premises at Bara

>>>
>>>Khamba
>Road Branch. I have already mentioned that I
have
>>>
>>not received any
>
>>>
>>>document
from the manger & bank after regular followup
>
>>>
>>&
told that it
>>>
>>>would come from Mumbai Head
>Office
directly. I have not
>>>
>>sure that how this case

>
>>>
>>>was handled that time & in front of me it got

>
>>>
>>settled & from back site
>>>
>>>it
was activated
>without my knowledge, After 3
>>>
>>yrs bank
again remember my
>
>>>
>>>account & start calling me to
collect
>>>
>>payment.
>This is showing the working

>>>
>>>nature of
>bank.
>>>
>>>>On mail
this
>>>
>>case is getting become
>difficult & no

>>>
>>>resolution is coming out. As I

>
>>>
>>already said that I am open to meet responsible

>
>>>
>>>person from bank or let me
>>>
>>know
for legal

>process.
>>>
>>>>
>>>
>>>>Thanks’
>>>
>>>>Raman

>
>>>
>>
>>>
>>>Sharma
>>>
>>>>[protected]
>>>
>>>>
>>>
>>>>On

>Fri, 26 Nov 2010 16:38:05 +0530

>
>>>
>>
>>>
>>>wrote
>>>
>>>>>
>>>
>>>>Dear

>
>>>
>>>>Mr.Sharma,
>>>
>>>>>
>>>
>>>>>We

>
>>>
>>refer to your email

>
>>>
>>>
>>>
>>>>datedNovember 20, 2010.

>
>>>
>>>>>

>>>
>>
>>>
>>>>
>>>
>>>>We

>regret that you have had reasons

>>>
>>>
>>>
>>>>to be

>
>>>
>>dissatisfied with your interaction with ourcollection

>
>>>
>>
>>>
>>>officers.
>>>
>>>>
>>>
>>>>Your

>feedback has been shared with
>>>
>>>>the

>>>
>>concerned
>executives
>>>
>>>and we
assure you that corrective actions have been

>
>>>
>>
>>>
>>>>initiated to avoid any

>>>
>>>such

>recurrences.
>>>
>>>>
>>>
>>>>As

>
>>>
>>
>>>
>>>>communicated earlier. Our
records currently do
>
>>>
>>>
>>>
>>>>not
indicate
>>>
>>any settlement on
>the card account. Please note
that any
>>>
>>>settlement

>
>>>
>>
>>>
>>>>to be processed on the
credit card account is
>communicated
>>>
>>>through a

>>>
>>signed
>
>>>
>>>>letter from
respective Collection Manager.

>
>>>
>>>>
>>>
>>>>We

>>>
>>would
>
>>>
>>>alsolike to inform you
that as per our
>
>>>
>>>>records credit card

>>>
>>statement is
>
>>>
>>>dispatched to your
preferred mailing address on
>
>>>
>>>>every

>>>
>>statement date.

>
>>>
>>>
>>>
>>>>
>>>
>>>>
>>>
>>>>Please

>note that no card statement

>>>
>>
>>>
>>>>is generated
>afterJuly 15,

>>>
>>>
>>>
>>>>2007 since your

>
>>>
>>>>card
>>>
>>account was suspended
in our

>records.
>>>
>>>>
>>>
>>>>Kindly

>>>
>>>note
>thatwe have
>>>
>>reviewed your

>>>
>>>>statements and will
>like to confirm that as

>>>
>>>per your
>>>
>>statement
>datedJanuary
15, 2007, the outstanding balance on
>>>
>>>>your

>
>>>
>>
>>>
>>>card account was Rs .28365.27/-
against which we
>have received a

>>>
>>
>>>
>>>>payment of

>
>>>
>>>Rs.2700.00 hence finance

>>>
>>>>charges are

>
>>>
>>levied.
>>>
>>>>
>>>
>>>>We
have not received
>
>>>
>>>
>>>
>>>>any
payment after that
>>>
>>hence
>late fee and finance charges
are levied on your
>
>>>
>>>
>>>
>>>>card

>
>>>
>>account.
>>>
>>>>
>>>
>>>>We
therefore request
>you to clear
>>>
>>>>the current

>>>
>>
>>>
>>>balance
>of Rs. 32,163.97 to

>>>
>>>>enable us to zeroise your card

>
>>>
>>
>>>
>>>account.
>>>
>>>>
>>>
>>>>Request

>you to please advise if you
>>>
>>>>are

>>>
>>interested in
>
>>>
>>>settlement of your
card

>
>>>
>>>>account.
>>>
>>>>
>>>
>>>>You

>
>>>
>>may also quote
>>>
>>>>thereference

>
>>>
>>>number
>>>
>>>[protected], in case
you need
>
>>>
>>any further

>>>
>>>>clarification
>>>
>>>on the

>above resolution.
>>>
>>>>We regret

>>>
>>to inform you that
>we will not be able to

>>>
>>>
>>>
>>>>arrange a call back

>Please
>>>
>>feel free to write back to us for any further

>
>>>
>>>
>>>
>>>>clarifications in this

>>>
>>regard or
>call our 24-hour Bank by Phone service in

>
>>>
>>>
>>>
>>>>your city and

>>>
>>our executive will
>be glad to assist
you.
>>>
>>>>Assuring you of
>>>
>>>our

>best
>>>
>>
>>>
>>>>services.

>>>
>>>>>Yours
>sincerely,

>>>
>>>>>Priti Kalra

>
>>>
>>
>>>
>>>
>>>
>>>>>Service
Delivery-Credit
>
>>>
>>>>Cards

>>>
>>>>>***********

>
>>>
>>
>>>
>>>>>QUICK

>
>>>
>>>
>>>
>>>>TIP

>
>>>
>>
>>>
>>>
>>>
>>>>>************************************************************...⇄
>>>
>>>>RBS

>
>>>
>>
>>>
>>>Bank's IFSC code remains

>
>>>
>>>>ABNA0200001 for online NEFT payments

>>>
>>towards RBS
>
>>>
>>>card.

>>>
>>>>>Access this URL to view payment
>options

>>>
>>available
>>>
>>>>on your RBS

>
>>>
>>>Credit Card.

>
>>>
>>
>>>
>>>>>http://www.rbs.in/consumer/creditcard/make_payments.htm

>
>>>
>>
>>>
>>>
>>>
>>>>
>>>
>>>>****************************************************************...⇄
>>>
>>>>>
>>>
>>>>
>>>
>>>>>
>>>
>>>>
>>>
>>>>
>>>
>>>>From:

>
>>>
>>
>>>
>>>ramansharma_r

>
>>>
>>>>[mailto:[protected]@rediffmail.com]

>
>>>
>>
>>>
>>>>>Sent: 20/11/2010

>>>
>>>6:53

>
>>>
>>>>PM
>>>
>>>>>To: ~

>
>>>
>>Cardservices
>>>
>>>>>Subject:
Cradit Card

>
>>>
>>
>>>
>>>
>>>
>>>>Querry.
>>>
>>>>>
>>>
>>>>>
>>>
>>>>Hi

>
>>>
>>
>>>
>>>>Team,
>>>
>>>>>
>>>
>>>>>Thanks

>for the update
>>>
>>>on query made by

>>>
>>me but this is not
>what i

>>>
>>>>had asked in the mail below.

>
>>>
>>
>>>
>>>
>>>
>>>>>Below
are the major concern
>I have raised &
>>>
>>>>I have

>>>
>>given the
>
>>>
>>>details also in the
mail.
>>>
>>>>>1. Manager from
>Credit card

>>>
>>
>>>
>>>>department

>>>
>>>locked me
>into the conference room to collect
disputed
>>>
>>due amount on
>
>>>
>>>>the

>>>
>>>credit card & at last ask me to do a

>
>>>
>>settlement. When I made decided

>
>>>
>>>
>>>
>>>>settlement amount. They
did not gave
>
>>>
>>me any payment / settlement letter as

>
>>>
>>>
>>>
>>>>settlement / Payment
proof
>>>
>>&
>said that settlement letter will come from

>
>>>
>>>
>>>
>>>>Mumbai head office

>>>
>>at your
>residence & you will not receive any call or

>
>>>
>>>
>>>
>>>>statement

>>>
>>from ABN now, its
>closed completely. After many follow
ups I have
>>>
>>>not

>
>>>
>>
>>>
>>>>received any thing from bank
on
>this.
>>>
>>>>>2. I was getting

>>>
>>monthly
>
>>>
>>>statements on

>>>
>>>>email & residence address
>till Jan 2006

>>>
>>but suddenly It
>>>
>>>got stopped after

>
>>>
>>>>made the payment at branch as

>>>
>>settlement in Jan
>2006 &

>>>
>>>after I have not
>>>
>>>>received

>anything from
>>>
>>ABN on email or at home

>
>>>
>>>address.
>>>
>>>>>3. I was
getting call
>
>>>
>>>>/
>>>
>>Msg’s from
ABN over the phone &
>
>>>
>>>it got stopped after made
the payment at
>
>>>
>>
>>>
>>>>branch in Jan
2006.
>>>
>>>>>As
>far
>>>
>>>as I
have update from your
>>>
>>credit card recovery

>
>>>
>>>>agent who called me some

>>>
>>>time back that the
>
>>>
>>amount I have
paid in Jan 2006 was
>>>
>>>>the minimum
>payable

>>>
>>>due amount.
>>>
>>If bank took that from
me, it
>doesn’t mean that
>>>
>>>>account is

>>>
>>>suspended
>
>>>
>>& bank will stop
sending the monthly statement on email
>
>>>
>>>>/ at

>>>
>>
>>>
>>>home. Monthly statements
>will be
continuing for next 6 months on email

>
>>>
>>
>>>
>>>>&

>>>
>>>residential addres. There
>is something which is not
clear from
>>>
>>bank at
>
>>>
>>>>their

>>>
>>>level on the
>issue.
>>>
>>>>>I
had all the numbers
>>>
>>saved in my
>phone but

>>>
>>>
>>>
>>>>unfortunately my phone got
lost as
>on
>>>
>>18-Nov-2010 & will not be able to

>
>>>
>>>
>>>
>>>>share the numbers for

>>>
>>Collection
>Agents.
>>>
>>>>>I
would like to meet the
>
>>>
>>>responsible

>>>
>>
>>>
>>>>person to resolve
>the issue
as I am not getting the strait
>>>
>>>answers

>>>
>>on
>e-mail for
>>>
>>>>my query.
Answer is same what is written on the
>terms

>>>
>>
>>>
>>>& conditions, but the

>
>>>
>>>>actual issue is something else. My

>>>
>>existing
>number
>>>
>>>will be
re-activated in
>>>
>>>>sometime
>today & I would

>>>
>>like to have contacted
>>>
>>>from some

>responsible person
>>>
>>>>from bank on the

>>>
>>issue &
>open to meet if

>
>>>
>>
>>>
>>>required.
>>>
>>>>>
>>>
>>>>>Thanks’
>>>
>>>>>Raman

>
>>>
>>
>>>
>>>
>>>
>>>>Sharma
>>>
>>>>>[protected]
>>>
>>>>>
>>>
>>>>>
>>>
>>>>>
>>>
>>>>>On

>
>>>
>>Thu, 18 Nov 2010
>>>
>>>17:07:45 +0530

>
>>>
>>
>>>
>>>>wrote
>>>
>>>>>>
>>>
>>>>>Dear

>Mr.

>
>>>
>>
>>>
>>>Sharma,
>>>
>>>>>>
>>>
>>>>>>This

>is with reference to your

>
>>>
>>
>>>
>>>>
>>>
>>>>>email

>
>>>
>>>dated November15,

>
>>>
>>
>>>
>>>>>2010.
>>>
>>>>>
>>>
>>>>>We

>
>>>
>>>>>take due cognizance of

>>>
>>
>>>
>>>the

>
>>>
>>>>concerns raised and we assure you that your
feedback
>
>>>
>>
>>>
>>>>>is valuable

>>>
>>>in our
>
>>>
>>>>efforts to
improve the

>
>>>
>>services.
>>>
>>>>>
>>>
>>>>>We

>
>>>
>>>>>have taken
>>>
>>>a note of
your
>
>>>
>>
>>>
>>>>conversation with our
collection agent. However,
>the

>>>
>>
>>>
>>>
>>>
>>>>>call
was made on the
>
>>>
>>>>account only to apprise you
about
>>>
>>the
>
>>>
>>>outstanding on your

>>>
>>>>>credit card

>
>>>
>>>>account and not to
>>>
>>cause any

>
>>>
>>>inconvenience.
>>>
>>>>>
>>>
>>>>>
>>>
>>>>>We

>request you
>>>
>>to write
>>>
>>>>back to
us
>
>>>
>>>with the following

>>>
>>>>>details so that
>
>>>
>>we can
investigate further in

>
>>>
>>>
>>>
>>>>this regard

>
>>>
>>
>>>
>>>>>
>>>
>>>>>
>>>
>>>>>Name

>of
>>>
>>>>>the

>>>
>>caller
>>>
>>>>>Phone

>
>>>
>>>
>>>
>>>>>Number
>>>
>>>>>Date
of

>
>>>
>>
>>>
>>>>
>>>
>>>>>Call
>>>
>>>>>
>>>
>>>>>We

>wish to inform
>>>
>>>you that
>>>
>>the

>
>>>
>>>>>account is suspended due to

>>>
>>>>non
>payment of the dues

>>>
>>
>>>
>>>within the stipulated time.

>
>>>
>>>>>Therefore no statements

>>>
>>>>have
>
>>>
>>been

>>>
>>>delivered at your mailing

>
>>>
>>
>>>
>>>>>address.
>>>
>>>>>
>>>
>>>>>>We

>
>>>
>>>>>request
>>>
>>>you

>
>>>
>>
>>>
>>>>please note that a
Settlement on the credit card
>is facilitated at

>>>
>>
>>>
>>>
>>>
>>>>>the
sole
>
>>>
>>>>discretion of the Bank. The Bank initially

>
>>>
>>arrives at a
>>>
>>>decision on the

>
>>>
>>>>
>>>
>>>>>payment of the
current
>
>>>
>>liability pertaining to the

>>>
>>>credit card account
>after

>>>
>>>>a

>>>
>>
>>>
>>>>>mutual agreement
>is
arrived upon by the
>>>
>>>Cardmember (CM) and the

>>>
>>Bank.
>The
>>>
>>>>Bank

>>>
>>>>>then issues an

>
>>>
>>>Offer-of-Settlement duly
>>>
>>printed
on its letter-head
>
>>>
>>>>which details

>>>
>>>
>>>
>>>>>the
>terms and

>>>
>>conditions of the settlement offer along with

>
>>>
>>>>the
>>>
>>>payment to be

>
>>>
>>
>>>
>>>>>brought forth by the CM.

>
>>>
>>>>>
>>>
>>>>>In case you

>
>>>
>>
>>>
>>>
>>>
>>>>>have
such
>
>>>
>>>>letter with you, please forward the same to
us
>
>>>
>>at the
>>>
>>>following

>>>
>>>>>address.
>
>>>
>>>>This
would enable us to take
>>>
>>the matter

>
>>>
>>>further.
>>>
>>>>>
>>>
>>>>>Manager

>–Client Response

>
>>>
>>
>>>
>>>>
>>>
>>>>>Unit
>>>
>>>>>RBS

>
>>>
>>>N.V.
>>>
>>>>>B-148 sector
10,

>
>>>
>>
>>>
>>>>>Noida
>>>
>>>>>UP-201303
>>>
>>>>>
>>>
>>>>>You

>
>>>
>>>may

>>>
>>
>>>
>>>>also send

>
>>>
>>>>>across the fax to[protected] or scan the

>
>>>
>>request
>>>
>>>at

>
>>>
>>
>>>
>>>>
>>>
>>>>>"in.[protected]@rbs.com".
>>>
>>>>>
>>>
>>>>>The

>total
>>>
>>outstanding
>>>
>>>on

>>>
>>>>>your
>card

>>>
>>>>account is Rs. 32,163.97 which

>
>>>
>>
>>>
>>>>>is payable by

>>>
>>>you.

>
>>>
>>>>>
>>>
>>>>>>You may
also
>
>>>
>>
>>>
>>>>quote the reference
number
>
>>>
>>>
>>>
>>>>>[protected],
in case you need
>
>>>
>>any further

>>>
>>>>clarification on the above

>
>>>
>>
>>>
>>>
>>>
>>>>>resolution.
>>>
>>>>>>
>>>
>>>>>>Please

>feel free to
>>>
>>
>>>
>>>>write back to

>>>
>>>us
>for any further

>>>
>>>>>clarifications in this

>
>>>
>>regard or call our
>>>
>>>>24-hour

>>>
>>>Bank
>by Phone service in your

>>>
>>
>>>
>>>>>city and our
>executive
will be glad to
>>>
>>>
>>>
>>>>assist you.

>
>>>
>>
>>>
>>>>>
>>>
>>>>>Assuring
you of our
>best

>
>>>
>>
>>>
>>>services
>>>
>>>>>>
>>>
>>>>>>Yours

>
>>>
>>
>>>
>>>
>>>
>>>>
>>>
>>>>>sincerely,
>>>
>>>>>>
>>>
>>>>>Jitin

>
>>>
>>Chouniyal
>>>
>>>>>>Service

>
>>>
>>>Delivery-Credit

>
>>>
&