[Resolved]  Barclay Credit Card [protected] — imposition of late fee and other unjustified charges.

Dear Sir,
I am bringing this matter second time in your kind notice on last occasion a reverse mail was received by me assuring that Bank would take up the matter and do something in the customer favour. But I am sorry to say that I am repeatedly receving the barclay Account Statement with same errors and imposing late fee and other unjustified charges. I took this matter with with your customer executive ( Ms.Deepa ) on phone but she shown her inability to do something. I resubmit the entire matter again that on the persistent pursuance I was agreed to take baclay credit card as I was told that my credit limit would be Rs. 3 lakh with corresponding cash limit but When I received card I found that credit limit of credit card is just 15000/- instead of Rs. 3 lakh, this was first lie from the barclay Representative. Secondly I was told by the representative that I withdraw cash from any ATM barclay associated bank, There would be no interest or any charges for first 45 days thereafter nominal interest charges would be claimed. (this is second lie). On 25.6.2008 I withdrew Rs. 6000/- from ICICI Bank ATM delhi University through Barclay card. As soon as I withdrew this amount. Rs. 508.86 has been imposed with various charges with in 2 days of withdrawal. (This third lie from the bank) I brought this unjustive to the notice of bank immediately when I received the Statement. I clarified and asserted that I would not make the payment of these unjutified charges which bank had imposed. On 8th August 2008, I deposited a cheque for Rs. 6200/- ( 6000+200(as debit interest + service tax etc.) in good gesture on the part of customer in Skypack at shakti Nagar Delhi. Even making payment on due date Rs. 500 was levied as late fee and another statement for 19-8.2008 to 19.9.2008 was despatched to me showing a balance of Rs. 1659.37/-
Sir, as I have already clarified that I will not make any more payment against unjustified and unreasonable charges being levied on the customer by this way or that way. It appear that despite sending email, talking on phone, bank is not respoding positively or nor is bank rerservin these unjustifeid charges, Bank is adopting arbitrariy practice in banking Industry. I would like to bring to the officer concerned to look into the matter and it is quit clear that bank is violating all norms and rules. Because when promise is made by the representative of Barclay bank is not kept up is violation of terms and condition on the part of the bank but not on the part of the customer. I am just highligthing those things which were told to me and are being adhered by the bank itself. By this email, I also want to say I am surrendering the credit card by breaking it in many folds. In case this charges are reversed, I would be compelled to bring entire matter to Consumer Court alongwith legal expenses would be incurred in the proceedings alongwith harrassement expenses.

Prem Babu ( Credit Card No. [protected]