Hongkong & Shanghai Banking Corporation [HSBC]

[Resolved] HSBC Bank Credit Card With Tata - Aig — excess payment taken in a cancelled card

anand1959

from Mumbai, Maharashtra

Address:

West Bengal

I have taken a policy of tata-aig throug HSBC credit card in Feb-2009 for a period of one year and opted for an EMI payment of premium throug HSBC card. I authorize bank to debit 10/- for 1st month and then EMI of Rs 530/-for 11 months and they will reconfirm me well in advance for renewal. I had given full stress on renewal that it should not be that you renew of your own. The certificate they sent in Feb- march 2010 has clearly written that Expiry date of Policy is Feb'2010. But Tata-Aig is presenting EMI to every month to HSBC and they are paying. They have not communicated me in this concern till I asked the Bank not to pay further EMI to Tata-Aig on 15 thApril of 2010.But they even continued to pay them and explained me that policy is automatic renewal up to the age of 75. But it is no where mention in the policy certificate. Never they issued me any receipt for my premium. On writing to them, they tried to convince me over phone that they are right to take premium. In the mean while I took one more policy from them in Dec 2010 for 1 year and premium to be paid in EMI. So at last I cancelled my card (divided in 4 pieces) and paid the cheques for remaining 5-6 EMI, along with the cancelled card (in the same envelope) and asked for a refund of premium already charged in an expired policy and a compensation of Rs 15000/- for my harrasment. In spite of my payment of balance payment (they show the receipt date 21 / 06/ 2010) and cancelling the card, they show that, they have paid RS 520 to Tata AIg on 22 / 06 / 2010. I am shocked that how it's possible that a sum is debit even in a cancelled card? On receiving of bill I again sent a mail and asked to reverse the bill and refund my excess collected money.And thereafter I received a call from their Representative, who was using filthy languages ant tried me to accept the things and pay the dues aND PENALTY / LATE FINE etc.
I therefore request you to see the matter and tell me what to do? I will send you all other details in a day or two.
Anand Kumar Agarwal
[protected]

Anand Kumar Agarwal.

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Aug 13, 2020

Complaint marked as Resolved

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Comments

govindan sekar

HSBC — money not transferred

sir, iam NRI working in SAUDI ARABIA.
i sent money by telex transfer from saudi british bank to SBI, cheyyar, tamilnadu on 11th june2008.
till today money not reached.
here they says HSBC SENT DRAFT BY CPROFESSIONAL COURIOR TO sbi CHEYYAR ON 18TH JUNE.
BUT sbi CHEYYAR says not recieved.
DD NO/Bom643420/HSBC.
PROFESSIONAL COURIOR CONSIGNMENT NO:[protected].
TWO MONTHS PAST MY MONEY NOT REACHED.
PLEASE HELP ME.

SELWYN SAMUEL RAJ

from Ernakulam, Kerala

HSBC CC — TATA AIG Policy debited on HSBC CC even after policy was asked to be cancelled (by HSBC)

Sir/Mam

I have gone for TATA AIG through HSBC. Once i got the policy papers for TATA AIG. I felt that i was not intrested on the same and called up HSBC for cancelling the same. But later i found out that i was debited for TATA AIG for the second month also. It seems that the cancellation information was not passed by HSBC to TATA AIG, which has led to the second month charges for the policy. HSBC Agent has not given any ref # as well as not done what i have requested hime to do with TATA AIG Policy (Help me to cancel the policy). Again i called up HSBC in Dec 2008 to get it cancelled and got the policy cancelled in the month of jan 2009. Now HSBC is asking me to pay the balance amount on the CC, where in the balance amount in my CC till date is due to the second month policy charges and its late payment charges (late payment charges is due to me not willing to pay the second month policy charges alone). Kindly advice how i have to proceed with the error done by HSBC.

I have spoken with HSBC and they are not willing to take up anything i say, as i do not have any refrence number for the call i made to HSBC for cancelling the policy.

Need your kind advice.

Regards,
Selwyn.

MANISH MARDA

from Kolkata, West Bengal

HSBC Bank — EXCESS BILL

DEAR SIR,
MY CARD NUMBER IS [protected]. I HAS PAID EXTRA MONEY ON MY CARD BALANCE TRANSFERED OR OVRE DRAFT FROM HSBC BANK. I ALREDY PAID PAYMENT WITH IN DUE DATE BUT THEY CHARGE Rs. 750/- FINE CHARGE PER MONTH. WHEN I ASKED FROM CUSTMER CARE THEY TOLD ME THAT IT IS ALOCATATION CHARGE BECAUSE WHAT EVER YOU PAY THAT IS DEPOSIT IN OVER DRAFT OR BALANCE TRANSFERED THERE AFTER IT WILL IN YOUR ACCOUNT. NOW THIS MONTH THEY DOSE NOT CHARGED FINE BUT THEY DEMAND MORE MONEY. THEIR STATMENT I CANT UNDERSTAND. I PAY EXTRA MONEY FROM THE DATE OF MY BALANCE TRANSFERED OR OVER DRAFT BUT THEY DEMAND MORE. I CANT UNDERSTAND. PLEASE HELP ME
THANKING YOU YOURS FAITHFULLY
MANISH MARDA

vamsimohan

from Mumbai, Maharashtra

HSBC — not returning my excess money

I the undersigned would bring to your immediate notice that by oversight, I had transferred through NEFT Rs.20000/- to my cancelled HBBC credit card [protected], request you to verify and please refund me the same either through bank transfer or cheque.
Please note I have maintained a successful track record with your bank and I don’t owe any outstanding towards my previous credit card.
Kindly treat this on priority as this money is to be repaid towards my Citibank home loan a/c.

thanks
Vamsi