[Resolved]  HSBC Credit Card — Annual fee charges

Dear Sir,

I wish to inform you three years back I was using HSBC credit card and when I applied for this card I was told this card is free of cost and there is no annual charges. But after completion of one year when I got statement there was annual fee charges in the statement. I called up HSBC and asked about the charges then they said this card was free only for first year, now you have to pay annual charges, then I said if you will charge annual fee I don’t need this card you may cancel this card.

On dated 02/08/2008 I got a letter from HSBC regarding some dues pending on me of Rs. 3, 318.24, there were some telephone number given for assistance, I called up on those number but they were not having any proper information about this letter or about any such dues from my side. They suggested me to call HSBC customer care number and get details. I called up HSBC customer care number but they told me as my card has been canceled so they can’t provide me any details. Again I called up on the number which was given in the letter and explained the issue, then they given me Noida telephone number to talk, I called up there and explained them about this issue, they took my details and told they will contact me after getting all the details related to this card number.

After that I never received any update on this but all of sudden now from last month they have started sending statement and its showing outstanding of Rs. 7025.63

I request to you kindly help me to come out of this, I assure you, I never used card after completion of first year and I was thinking my card would be canceled and charges would be reverted. But I think they canceled the card without reverted the charges.

Pls suggest me what I should do in this regard.

Thanking you.

Yours truly,
Inderjeet Singh