[Resolved] HSBC Bank — Bank is not providing NOC though I cleared the amount.
I, Syed Sydulla, had HSBC credit card whose number is [protected]. Since I missed the card, I called the customercare of HSBC and asked them to cancel my card (I did not remember the exact date .But the year is 2007). At that time there was some outstanding on my card. I have paid the amount of 1010/- towards my card and thought the outstanding was cleared. I got state statement from BANK saying that there is 1010/-CR in my account. So I thought that i don't have any outstanding. I haven't done any settlement with them. They haven't sent me any intimation that I am having some outstanding on my card. But they entered my name in CIBIL saying that I have done settlement with them. How come this ?
Sir HSBC not intimated me after cancelling this card that my name going to be entered in CIBIL. I did not get any intimation. After cancellation of my card the statements which I got are showing that I am having 1010/-CR in my account ( Please find the attachment). That is why I thought that I don’t have any outstanding on my credit card. If HSBC would have intimated me that I was having certain outstanding on my credit card I would have cleared that outstanding at that time only. Without any intimation they kept my account status WRTTENOFF in CIBIL. They haven’t made any settlement with me. I didn’t get any letter from them except the statement which is having 1010/- CR in my account.
I came to knew this when I applied for Housing Loan from State Bank of India (Vijayawada). SBI got report from CIBIL saying that my account status is showing WRITTEN OFF in CIBIL. That is why they kept my Loan Application on HOLD.
I informed HSBC bank regarding my name in CIBIL. Then they sent me reply mail (Please find attachment) saying that at the time of cancellation of my card I am having some outstanding on my card.
I have to pay 499.60/- along with incremental charges to regularrize my account status in CIBIL.
I have sent them mail regarding the amount that i have to pay and I got reply saying that i have to pay 2700/- towards my credit card.
I have paid the amount (2800/- .Please find the receipt as attchment) on 13th of this month. Now I am asking them issue me NOC or NO DUE statement. But they are saying that they can't provide.
How come this sir??
1. Without any intimation they entered my name in CIBIL.
2. Because of this I had to lose 2800/- because of their mistake. If they have intimated me I would have cleared the outstanding at that time.After cancellation of my card the statements which I got are showing that I am having 1010/-CR in my account ( Please find the attachment).
3. Now they are not providing me the NODUE statement.
Sir my Housing loan application is HOLD and the last day for availing the 8% Rate of Interest on Housing loan from State Bank of India is 30th of June. When I contacted CIBIL, they are saying that it will take more than two months to update my status in CIBIL. They also said that If HSBC send my details as early as possible to them they can do some thing.
I went to HSBC Branch many times and met the recovery department people and collection department people but no response.
Outstanding HistoryFromHSBC_mail.JPG ------- this contains my credit card payment history
mymailtoHSBCfor the Amount.JPG ------ this is my request to HSBC for the outstanding that I have to pay.
AmountSuggestedBy HSBC_mail1.JPG ------- this contains HSBC suggesting the amount that I have to pay to make the balance NIL.
AmountSuggestedBy HSBC_mail.JPG ------- this contains HSBC suggesting the amount that I have to pay to make the balance NIL
Paymentconfirmation.JPG -------Payment confirmation mail from HSBC
Receipt.JPG -------My payment receipt
Please do me the needful sir.
Thanks & Regards,
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Aug 14, 2020Complaint marked as Resolved
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