[Resolved]  Axis Bank — Debit of My Saving Account for Credit Card undue Balance

Address:

Gujarat

Sir,

Axis Bankers had forwarded letter letter demanding Rs. 5349.31 against my Credit Card ,which is not working from last so many months. It is also unfortunate that it does not contain any statement which can justify / certify the amount due from me in the manner like Actual Amount any penalty imposed by the Bankers.

Further the letter issued with a time limit of 07 days with a lien on the saving account with Axis Bank which can never be told or accepted by me as in that case any amount of penalty for which there is confusion / litigation will be recovered with a simple letter as forwarded by bankers. I think this is some thing against the law and cannot be acceptable.

The bankers had debited the same amount of Rs. 5349.13 from my saving account without contacting and now even after forwarding various mails they are not ready to accept my request.

There was a confusion on the part of Bankers for due payment as they use to charge the penalty , interest and late payment charges fro no fault on my side and as such i use to pay only the amount of purchases and due to this the due payment goes on increasing in the record o Bankers .

Thus they had debited the amount which is not at all correct / due from me. Further without giving any intimation they had stopped the Credit card due to this i have been put i miserable situation many times when i tries to make the payment through credit card. due to this i have been forced to stop the payment of negligible amount due from me.

Further even my credit card was not working and stopped by bankers they had charged the late payment charges continuously for Two months along with penalty and Interest.

I had tried to explain the situation to the bankers by writing mail to them on mail Id customer.[protected]@axisbank.com through various mails dated. 18.06.2011 , 20.06.2011 , 27.06.2011 , 28.06.2011 , 02.07.2011 , 06.07.2011 and 11.07.2011 but they are not accepting and are not ready to re credit my saving account after deduction the due balance. hence , please credit my account without any further delay and revalidate my card so that i will not be in miserable position while i am shopping or giving card for hotels payment while i am traveling as done in past without any intimation & let me know accordingly .

Detailed statement is enclosed for your reference please.

Your help is seek for this breach of contract and un necessary lien on my saving account by bankers which is never accepted to any body.

Thanking you,

Mahesh tailor

STATEMENT OF CLARIFICATION FOR CREDIT CARD NO.
Sr.No. Statement period Previous balance Purchases Payment Other Payment / Late payment charges Debit interest Service Tax on interest Total Balance due As per bank Refund on account of Cancellation
1 01.05.10 to 01.06.2010 545 0 555 350 0 0 376.05
2 01.06.10 to 01.07.2010 376.05 1919.99 0 350 37.06 3.82 2722.98
3 01.07.10 to 31.07.2010 2722.98 1999.46 1924 0 91.22 9.4 2484.33
4 31.07.10 to 01.09.2010 2484.33 3199.85 1585 0 102.69 10.58 3428.83 414.73
5 01.09.10 to 01.10.2010 3428.83 341.55 2425 0 78.35 8.07 1431.8 783.72
6 01.10.10 to 01.11.2010 1431.8 813.11 350 0 61.18 6.3 1962.43
7 01.11.10 to 01.12.2010 1962.43 486.9 0 300 61.18 6.3 2391.3
8 01.12.10 to 01.01.2011 2391.3 448.28 845 0 72.71 7.49 2074.78 456.41
9 01.01.11 to 01.02.2011 2074.78 471.66 0 400 77.46 7.98 3073.08
10 01.02.11 to 01.03.2011 3073.08 544.85 0 400 98.34 10.13 4167.6
11 01.03.11 to 01.04.2011 4167.6 0 0 400 129.32 13.32 4751.44
12 01.04.11 to 30.04.2011 4751.44 0 0 400 142.04 14.63 5349.31

TOTAL 10225.65 7684 2600 951.55 98.02 1654.86


SUMMARY
TOTAL PURCHASES 10225.65
TOTAL PAYMENT 7684.00
REFUND ADJUSTED 1654.86
PAYEMNT DUE 886.79
LATE PAYEMNT CHARGES 2600.00
DEBIT CHARGES 951.55
SERVICE TAX ON DEBIT CHARGES 98.02