[Resolved]  HSBC — Complaint regarding overcharging for my Credit card no. [protected]

I Madan Arora have been your customer from since many years. i m holding a credit card of your bank. The Credit Card number is [protected].
1. I had received a call from your call centre about scheme,that your bank is issuing card without any annual charges and without membership and renewal fee and no additional fee for addition card.Relying on the statement of your agent. I had applied for the credit card. No annual fee or premium card fee or any other charges were charged from me.
2. On 12 May 2009 I had used the credit card for purchase of the mobile phone. But I was really shocked to see statement dated 9th June 2009 it contained a bill of what i had purchase as well as some charges like opening balance Rs 47.73, premium card fee Rs 700,card annual charges Rs 350,installment Rs 291and late payment charges Rs 400.Thus the total of extra charges was Rs 1335/- then I made a call to the bank call centre about this extra charges and was advised to pay the bill of the amount of purchase i.e Rs 25,000/- which I paid. I also made a request to discontinue my credit card on 26th June 2009 vide request no. [protected] and I paid the amount of Rs 25,000/- as advised being the price of goods purchased by me.
3. Even though I had made request about discontinuanceof my card.On 11th Jan 2010 your bank has sent me another bill of Rs 6058/- in which the discontinuation of the card has been shown on 10th Jan 2010 and I had been asked to pay the amount which was disputed by me as not payable toward annual charges,premium card charges,late payment and further intetrest has been charged on interest.It is apparent that even interest has been capitalised for the purposes of calculating interest.
As all ready request since June 2009,that I am not liable to any annual fee or premium fee as none had been agreed upon by me and the bank.You are requested to revoke all these charges and clear my account as the said chrges are not payable by me.You are kindly requested to do the needful an intimate me regarding the same.