[Resolved]  HSBC Bank — Compilation for HSBC Credit card wrong charges ( Now for Mental harassment )

From
Mr. KAVIT PANDYA
120, 4th floor shiv-Sai Building
J.P. road, Andheri [w] Mumbai 400053
Contact [M] [protected]
E-mail:- [protected]@gmail.com
To, Date:-03/march/2008
The Officer in charge.
HSBC Credit card department
India
Special attention to:
[1]K.C.Mahesh-Manager, Credit card services HSBC, 610, Ambal House, Anna Salai, Chennai -600006.
[2]R. Shanker Narayan-Asst Vice President, Card services. HSBC, 610, Ambal House, Anna Salai, Chennai -600006.
[3]Ombudsman of RBI requires your special intervention in this case as this is habit of giving trouble to genuine & common man.
Sub:-Credit Card Number: [protected]
Hi to all of respected Dignities.
My problem is like this I am a credit card holder of HSBC from last approx 6 years & till date my no payment was due or not a defaulter or not a late payment master.
[1] As per your a/c statement of Dt. 7/June/2007 to 06/July/07 my credit balance of Rs.1354.50.
[2] As per your a/c statement of Dt. 7/July/2007 to 06/Aug/07 my credit balance of Rs.1354.50. & you have charged a Annual Membership fees and services tax charges of Rs.2000/+1000/-+247+123.60 =total Rs.3370.60 & on net comes after deducting from Credit of Rs.1354.50 my debit balance of Rs.2016.30
For your annual membership charges same thing was happened in last year too & I have opposed on that time too & with the result an assurance was given by your officer that in future too we will not charge you. On that condition only I have continued my card. But as a wrong practice again same thing was happened & with the result of this all this time wasted and pain full thing started.
So same thing was happened & again I have start to call your person on phone I have opposed & denied to pay your annual membership charges or cancel my card & do oblige on me. Your officer was too good on reply and he promised that your charges will be waved and your credit balance will remain Rs.1354.50 as it is. & all this changes you will get in our next bill.
[3] But on surprise again I got your statement of Dt. 7/Aug/2007 to 06/Sep/07 with adding charges of finance charges, late payment charges & service tax etc of Rs2477.67 as a debit balance. Which is one more wrong practice?
[4]On phone I talk with your person Indu on date. 29/Nov/07 Thursday at 10.30 am Hrs by approx 50 minutes, same way again I got assurance from her that she will do change immediately and she gave with promise that she will inform me on my e-mail:- [protected]@gmail.com & on my mobile [protected] too which she is noted.
[5] I got faulty statement again on 07/Oct/2007 – 06/Nov/07 in that they have shown reversal charges of Rs.2714.20 and closing balance comes as Rs.344.31CR instead of Rs.1354.50 as there was no use of my card from 7/June/2007 to till date. Hence my balance should reflect as same of statement Date:07/June/07of Rs.1354.50
[6] Same thing once again inform to your person Mr. Rajish on phone on Dt.14/Jan/08 at 17.10hrs explained same story as no changes in statement not inform on mob or by e-mail it take about a 1full hour, then he has given to Unnati a Senior officer talked about 1.30 minutes same way assurance. Don’t worry we will do it.
[7] Same thing once again inform to your person Mrs. Sweta Assistant Manager on phone on Dt.16/Jan/08 at 12.40hrs explained same story as no changes in statement not inform on mob or by e-mail it take about a 40 minutes. She assured that I will get changes in 4 working days.
[8] I got your new statement of date. 07/Dec/2007-to 05/Jan/08 in that shows Rs.344.31 CR only instead of Rs.1354.50 so I talk with officer Mrs. Sweta She told me don’t worry don’t pay a your debit of Rs.1201/- of this statement as you have all ready CR of Rs.1354.50 so even of your uses of Rs.1201/- you have balance of CR Rs.153.50 So in next statement you will get with this correction.
[9]In mean time I have made payment through your card & accordingly I have paid cheque of Rs. 4500/- as a part payment & same has been deposited in your bank.
[10] Lastly I have received a statement of Dt. 06/Jan/08-06/Feb/08 same opening balance & on above all again charged with late payment charges Rs.400/- & ST+ CESS 49.44
So now I am fed up with this bank & their system I have no faith in their system and their ethics. By this application I am requesting to all of your good self that I am sure that i will not get justices. Hence inform me by deducting your actual amount How much money I have to pay If so, So arrange some person who will come with your statement I will pay him your right due if any is there & importantly I will return my card.
I can understand how much it is painful to all of you to read this latter. So think for me that how much it is painful to write & to talk hours & hours on phone by wasting time & money too from last 7 painful months.
So thank you very much.

Kavit Pandya.
CC to
{1} Consumer forum, please provide me time for action against banking un lawful victimised policy.
{2} Grahhak Panchayat Samiti.
{2}Finance Minister New Delhi
{3}RBI
I have tried my best to show fact by date & statement wise but even though I am paying Rs.942.20 through my cheque no.649082 of Date. 18/03/08 of corporation bank versova branch. I[censored] will not correct your statement by revert my Rs.1119.10 (CR Rs.176.90 +Rs. 942.20 Cheque amount) then I have only one way to go legal I hope you will not give us chance to do so & same way you will disappointment me .
If you find any difficulty then please call me on mob [protected] or mail me on [protected]@gmail.com

It would be great help if you go by enclosed statement figure wise & give your honest report.
Now I want to put a case for mental harassment & for that Rs. 1, 00, 000/-