HSBC Bank — Credit Card Charges

Address:

Bangalore, Karnataka

Hi,

I had subscribed to HSBC Credit card around 1.5 years back and was availing various paid or unpaid facilities provided by them. I never used to get paper bills to my address and many of the times I did not get mails of the Bill as well. Till the time i was in India I used to call them and ask for the Bill amount and without receiving the bill I used to pay all the amount to avoid all the Penalty charges.
There are many complaints lodged by me that i am not getting the Bills at proper time and still the Bank is charging me the late payment charges.
8 months back I came to US and those followups were almost impossible. I did not get the Bill for the m/o Jul-11 and hence missed to made the payment.

In the m/o Dec-11, I saw there were around
1) Rs.6000 late payment charges which became accumulated month by month
2) Also there were Rs 2000 Renewal charges which i never asked for and which they never communicated to me.

Hence I called them asking for the due Amount. They told me total of Rs.10000 which includes late payment Fees and renewal charges. To avoid further charges I paid whole amount to Bank and then started following up.
Now Bank Official says they can reverse only Rs 2000 and corresponding 500 charges on it.

My question is that if I am not getting the bills , isn't it the Bank responsibility to be punctual on that instead of charging from Customers.
Also as a good service provider they could have sent me atleast one mail that your amount is due from last few months
They should have communicated for renewal charges before charging it to my account.

Caould you please help me in reversing these charges on my account so that I won't have to pay which i was never responsibile that too when the amount is not small.