HSBC Credit Card — Bills not received on time, so we are the bakras.

This was the request i made to the bank.

Dear Sir/Madam,
Happy Morning...
In continuation with the Telecon, I would like to bring to your notice that I have been given the platinum card numbering - Card No [protected]. During past new months I have been facing problems of not receiving the statements on time. I have been bringing the point to your notice to the bank timely. Even in the last month as usual i.e april month statement has not reached me on time. I was also held up with a few business commitments and was unable to call the bank on time. I realised the same only on the 4th of May 2009 and called the bank on the same day. I deposited the cheques on the same day for the dues. I want to bring to you notice that I had no intention of delaying the payment. I already had a balance to my credit amounting to Rs 60, 000/- to 70, 000 in the savings account (if required I can send the statement of the other bank).
There has been a levy of Rs 5746/- towards interest and late payment charges. The payment have been credit to the HSBC bank within the 8th of May 2009. This is really pinching me for no mistake of mine.
Also request the bank to take note of the the history of the account/ card into account. I have remitted all payments in time except this one. The card was upgraded from gold card to platinum card. There was no problem of statement when I was holding a gold card but once I go the platinum card all problems are cropping up. A person is penalised for no mistake of his, it hurts a lot.
I had also requested the bank to send me the statements by e-mail but your bank personnel always tell me that the mail will be sent and it will reach by 3-4 working hours. But till date I have not received any mail into [protected]@gmail.com.
Even after I had lodged the complaint on 4th May 2009, I received the statement only after a span of 10 to 12 days. Kindly go through the delivery advise in this regard. to get a courier it takes around 10 to 12 days. I could have actually waited to get the statement and then make the payment but i didnt do that. No consideration for that.
Then I called the officer for waiver but the lady was so rude to blankly tell that only 50 % of the amount shall be waived and you have to bear the 50%. If that was the case then I could have waited for the next due date and made the payment as the bank had levied the interest. The lady also blankly told that it was my duty to call the bank for non receipt of statement. why is it that the bank has not sent a statment even for the months of jan to feb 09 and march 09? i want a reply for that. even i had to follow up for the same and got duplicate statements. I was really an herculus task. I would have called nothing less that 10- 15 times to get those staements. Is this the service the bank is giving for a valued platinum card customer.
I request that this matter is takenup at higher authorities level. Even after this mail if no action is taken in this regard then I shall make the payment and the bank will be loosing a valuable customer.
Thanks and regards
Chandra Shekar

This was the reply I got from HSBC bank.

Dear Mr. Shekar,

Reference Number:[protected]

We refer to your email message dated 01 June 2009 regarding your HSBC
Credit Card.

We have reversed the finance charge of INR 2229.82 and late payment fee
of INR 750.00 along with service tax that is levied to your card account
which will reflect as a credit in your subsequent statement.

We regret that we cannot reverse any further charges and also request
you to make the payment towards your entire outstanding on or before the
payment due date to avoid any incremental charges being levied to your
card account.

We have arranged for the issuance of statements for the month of April
and May 2009, the same will reach you through e-mail at
<[protected]@gmail.com> within twenty four hours.

The outstanding towards your credit card account as per statement is INR
8641.45.

Please feel free to write to us for further clarification.

Yours sincerely,

Rohit Makhija
Customer Service Executive
The Hongkong and Shanghai Banking Corporation Limited.

I have been penalised for the interest and late payment charges of Rs 2500/- nearly. I want to is it our responsibility for non receipt of statement from the bank. I also want to know how do I take action against the bank or how do i approach the grievance cell.