[Resolved]  Club Mahindra Holidays — Refund of 15% Membership paid through my HDFC Credit Card

Dear Sir / Madam,

I, Sudeep Roy resident of Thane like to complaint that a person named Mr. Arindam Ghosh from Club Mahindra Holidays have visited my office located at Powai, Mumbai on 28.11.2008 evening for explaining the features / package to be offered.

Since that day (28.11.2008) i did'nt plan to suscribe for the particular membership(15%) than Mr. Ghosh insisted to pay a sum of Rs.23, 782.00 by cash or credit card on the very same day. As i was not carrying so much cash or even the credit card - Mr.Ghosh asked me to take the details like card expiry date & CVV no. overphone from my wife available at my residence in order to block my & my wife Amrita Roy's names as Applicant & Co-applicant.

Accordingly Mr.Ghosh took my signature on the application form, credit card charge slip for Rs.23, 782.00 & another charge slip for Rs.3, 263.00 for monthly membership charge starting from Jan 2009 onwards for 60 months under blue studios season.

Based on that Mr.Ghosh also told since i was not carrying the credit card with me so he shall be visiting the next day 29.11.2008 (saturday) to my residence located at Thane to take the carbon impression of the said credit card of HDFC Bank.

Taking into consideration of my financial situation & enormous pressure of initial 15% membership charge & further 60 months monthly membership charge of Rs.3, 263.00 i gave a phone call on the morning of 29.11.2008 to Mr.Ghosh to cancell my membership since the credit card impression also was not yet taken for debiting to my credit card account. But Mr.Ghosh told he needs to discuss the matter at my residence as per schedule in the afternoon.

Same day on 29.11.2008 afternoon Mr.Ghosh visited my residence at Thane & we had discussion at length for convincing the cancellation of membership & convinced me allow him from taking the HDFC credit card number carbon impression. Than Mr.Ghosh agreed to it & asked me to email in his official id in effect to the cancellation.

Therefore i wrote a email to Mr.Ghosh same day for requesting the cancellation of membership.

As usual manner i than started receiving the welcome calls / email from Club Mahindra Holidays on account of my new joining. I got irritated & made half a dozen calls to Mr.Ghosh till date to ask him about the reply for my mail sent earlier. But inspite of assurances nothing came out for settlement.

Hence i gave a call to the customer care phone number of my credit card for HDFC Bank on 05.12.2008 afternoon & was surprised that on 01.12.2008 Club Mahindra had been charged for Rs.23, 782.00 ( that shows Mr.Ghosh had not kept his promise towards cancellation of membership ) So i immediately requested the representative of phone banking of HDFC Bank to hold / dispute the payment. To be on safer side i also requested her to block / cancell the existing credit card & issue a fresh one inlieu of the old one.
Further the said representative asked me over phone to inform the particular matter to HDFC Credit Card division through letter informing the fact & reasons for such kind of dispute / request. Immediately the request letter has been sent to the particular bank by hand delivery into the drop box & by email to the concerned official id, as well.

From the above, I like to know what kind of action Club Mahindra Holidays can impose on me towards the steps taken by me. Especially when i have timely informed them to cancell it & not to raise a debit note for me to the Credit card of HDFC Bank.