HSBC Bank — Charges without pre-information

Dear Sir,

I have below complaint with HSBC bank, G.K. I Branch New Delhi.
1. I maintain a salary account with Zero balance facility with above bank branch from November 2008. The account was open by them by reference from my employer .
2. Till 7th September 2009 they treated above account as salary account with Zero balance facility but on 8th September they debited my account for INR 1103/- as a levy for non-maintained of Average quarterly balance of INR 100000/- per quarter.
3. Due to above effect since balance in my account went below the amount for which one of my cheque was issued- it bounced & they further debited & charged me INR 303.30
4. When I contacted their call centre & Nodal office in Chennai – first they asked to liaise with my HR dept. –which I did but according to him –till date he has not received any communication from HSBC about the removal of our company from the waiver list.
5. I presume that it is duty of HSBC bank to inform us about if there is any change in status of the account. Since November 2008 till August 2009 - every month my account has been credited with salary. So, it was treated as Salary account by HSBC as they did not levy any charges for non-maintained of Average quarterly balance of INR 100000/- per quarter.
6. A letter was sent by HSBC to me on 2nd of September about the charge without mention of change of status of account, however they have charged me for quarter – April- May –June 2009—it is total breach of contract as a customer. I should have been informed on onset of the quarter from which above change was done and not at the end of it as it .

This is arbitral and total mistake of HSBC part & hence, request you to take this issue with HSBC bank and credit INR 1103/-(for charges of non-maintenance of quarterly balance) + INR 303.30 (Cheque returned due to charged above & balance gone below the cheque amount)= Total INR 1406.30

Also, penalty of INR 5000/- must be imposed as non-adherence to banking norms so that it can be a lesson for them in future.

Thanking you
Janak Prasad