[Resolved]  HSBC — wrong charge of 20,000 rs from my account without intimation

Address:

Bangalore, Karnataka

My HSBC bank staement as on jan 31st had a net "zero" debit and credit balance as per my account statement.

I had an outstanding amount of INR 1 lac + at that time on my CC. With the intention of clearing a major portion of my CC outstanding, I deposited 1 lac rupees in my HSBC saving account; after 4 days I was informed by the credit card department that the cheque for hsbc has bounced due to insufficient funds; when i checked with the bank, i realised they had removed 20,000/- INR citing reasons like insufficient quarterly balance for last 2 years + some cheque bounce charges for 2 years. I asked them why they did not show this "due" in my account statement, their answer was it was banks policy and I should have read about it on beanks website.

I gave them a complaint , after 1 week i get an sms saying my complaint is resolved and closed; pls note nobody called me , neither informed me there was no action on my complaint.
During this period they also withdrew some 5000/- int approximately towards my CC from my savings a/c without any intimation; they just put their hand s in my account and withdraw the money. Afraid with further damages i withdrew my balance amount.

I was really frustrated but they kept on blackmailing me that they will blacklist my credit history etc. and then I decided to close my entire a/c by paying full outstanding which was confirmed to me by their collector agency" blossom in bangalore" on 19.3.11. I told them I want to close the cc due totally and dont want any further payments and hence pls take into considerations all billing cycle and tell me the amt. he called up call centre twice and confirmed me a figure of 140022/- and now again after 10 days i get a bill of 4600/- from my hsbc CC.

I tried calling the bank to have a discussion with the collector who had confirmed that this is full and final payment, bank has refused to give me the no and infact told me u shld have saved the no.
I told them he is yr collector how can u not have the no. to which i get a response saying send an email on [protected]@hsbc.in.

I am really frustrated and torn by all this. I have never ever missed even 1 payment cycle, bank has swindled 20 k from my account by putting their hand in my saving bank account without informing me.

Please please help me