[Resolved]  HSBC - Credit Card — Credit Card surrendered but ac still active

HSBC Bank,
Credit Card Dept.
Mumbai May 07, 2009

Dears Sirs,
Sub: Credit Card A/c. No. [protected] – Vanessa Ambrose
I Vanessa Ambrose am writing in with an urgent request to close my account with you with immediate effect and issue me a No Dues Certificate. The brief background of my case is stated below.

In 2004- 05 your Sales Executive catering to UTI Bank Ltd. (now Axis Bank Ltd.) employees at Fort Branch, Mumbai offered a Credit card where in it was specifically mentioned that :-

1. Annual fees were waived since this was a tailor made offer for all UTI Bank employees.
2. Credit Card would be automatically cancelled if no transactions are made within a year.

Purely based on the two points mentioned above I was convinced to apply for a credit card for which I submitted my latest salary slip and pass port copy. Since I had not used the card even for a single instance and assuming the above two points were genuinely conveyed I duly returned the card after destroying the same for cancellation (no acknowledgement on record) to your Fort Branch, Mumbai.

Meanwhile my family had temporarily shifted its base from our permanent address Dadar, Mumbai to Goa and I have been married in 2007 and now reside at Borivali, Mumbai. We are surprised to find that account statements for non payment of credit card dues were being regularly sent by post / courier to my Dadar address.

It is with deep regret I have to inform you that since the past several months my parents who are back from Goa have been regularly receiving phone calls at odd hours from your recovery agents. This is causing them severe embarrassment and mental torture as your agents speak in a very demeaning manner. My parents have time and often explained the situation to your agents and even provided my mobile no. I am now informed that the card stands blocked but the account status is still live (Finance charges - Min. payment due 16, 151.57/-) hence I need to go personally to a branch to get it cancelled. I am unable to do due to personal & health reasons. Besides this is completely unethical from a reputed organization as yours to demand outstanding dues from me without even availing the benefits of your credit card & the card being duly returned way back.

In view of the above, I strongly urge to issue me a NO DUES letter since not a single transaction has been made by me, and I am not liable to pay any amount to you. You may please verify your records at your end as well meanwhile ensuring that NO CALLS are made to me & my family with immediate effect.


Anticipating a prompt response,

Yours faithfully,


Vanessa Ambrose