[Resolved]  HSBC — Late presentment of credit card transaction after 11 Months

Hi,
I've a credit card from HSBC bank. I've made a purchase for an Item worth 4590 on this card in the month of April 2007. This transaction was not presented to me in the following month as required. This transaction was reflected in my card statement of Mar'08 after 11 Months. Bank gives customers 45 days in case they have made a mistake and in this case they took 11 months because of their oversigth. I disputed this and mailed to Bank multiple times from account. They failed to recognize the problem and in fact insisted that I cannot dispute the transaction after 45 days. I clearly told them that I'm not disputing the transaction but delay in presentment of same. I ended up closing my account after settling all the dues other than this transaction amount with clear notification to them that I'm doing this only because of this issue. Now they have come back to me after making some pretension about doing some enquiry. They again have investigated only that this transaction has been done by me or not the original issue of delay in presentment of same. Now they are insisting that I should pay up. Please guide me how to tackle this situation. Thanks in advance for your efforts.

Regards,

Sanjay Upmanyu