[Resolved]  HSBC Credit Card — NO DUE CERTIFACTE

Hi,
Am also in the same situation, and trying to settle the matter. Please suggest the rate of interest charged on the actual expenses i made. In my case I wanted to pay the bill but there were Rs.3000/- extra charged which when i spoke with customer care, they did not respond properly 4 years back, now HSBC recovery agent from bangalore is harassing me and demanding for 4 times more the money spent. I was always willing to pay back but had moved from the city and now they are calling me again and again trying to take out as much as they can bargain. I wish to know if I can settle the matter by paying off the same amount I spent or need to pay with some fixed rate of interest. Please help.

Hi,
[protected], this is my CC account number.This mail is requesting for the settlement.usually i am paying the monthly minimum payment to the HSBS bank.Now i want to pay settlemet payment.Please check my acct details and as soon as possible send me the settlement amount.I am ready to pay the settlement amount.Please send me reply other wise talk to me throuh with my contact number [protected].


Thanks,
Dinakar.

I am Rohit Gupta. I received HSBC credit card in October 2007. My usage of 41500 approx in December 2007 was converted in to EMI's for 6 months. The EMi was build was of Rs 7717* 6 = 46302. HSBC executive communicated that 1st EMI will be billed in the month of January 2008 and for december 2007, I just need to pay the minimum amount i.e. Rs 1600 and thats what I did. In january 2008, when i received my statement, In the statement double EMI (one for december and 2nd for January2008) was charged to me. I gave a complaint to HSBC for the same.My complaint no. is [protected]. Due to which febraury month EMI was cancelled out and i was asked to the continue the EMIs from march 2008. In March statement, I was surprised when I saw that Rs 3300 has been charged to my account. When I asked customer care executive, they says that it has been credit to my account. But I just wanted to know that it was not a saving account or some debt account where money has come to my pockets and now they are asking me to pay. Till date, I have already paid 38900 ( approx) and remaining amount left in my account as per my understanding is Rs 7300. But with bank, it is reflecting that it is Rs 10600. I have been asking for the clarrification on the same since March-2008 but there is no response from the bank. Ms Tanya (Mumbai branch customer care HSBC) was the senior executive who promised me in the month of march that the issue will be resolved soon but its been 5 months and there is no reply from her. When i use to call on customer care deptt Mumbai and give a request to speak to Ms. TANYA then she is not at all bothered and doesn't use to take the call when it is forwarded. Last month when I gave a complaint against Ms Tanya then she called me up but again there was no clarrification for the same and promised me to call in 2 days of time in last week of June.

Now when I am calling none of the senior executive is ready to take the call as all the history is mentioned in the complaint number and after seeing the history, none of the senior executive is ready to discuss the issue with me. I have already spent more than Rs 2000 on phone calls to sort out the issue but there is worst response from the bank executives. I am frustrated with the services of the bank and already given the request for the cancellation of the card but they are not ready to cancel the card and telling me to make the payments. I am ready to make the payments which is pending in my account.i.e Rs 7300. But giving that Rs 3300 is just ridiculous for me as bank has just made it a business to earn the money like this. It really hurts me a lot. They have wasted my time and are not giving me any response.. Also I would like to give a complaint Ms TANYA (a senior executive of HSBC) who promised me to sort out the issue but now she dont have time to take the call. I am really frustrated with the Bank and dont know what to do as I dont want to be the defaulter but bank has not left any other way.

Please help me to sort out the issue with the bank so that i can come out of this problem.

This is my sincere request to all of you not to take credit card from HSBC. If already you have taken then please mind your bills and statements...

thanks
Rohit Gupta
[protected]

On March 4, 2009 I received a call from HSBC in reference to settleing my account. For two days I have been trying to get them to send me a intent letter to settle by mail or fax and I have yet to receive it. On March 5, I called HSBC and was transferred to 3 different numbers to speak with a representative about the situation, and have not gotten the right infor on settleing my account. How do I get these people to honestly work with me on settleing my account? I agreed to pay a settle for 39% of my balance. I want to pay them, but am afraid I will continueously be billed for the entire balance or they will sell it to another party and I will be in the same shape of oweing some other company because HSCB did not honor their word of giveing me a clear settlement and removing my name from three credit reporting bureaus. SOMEONE PLEASE HELP ME MAKE THE RIGHT DECISION BUY MARCH 10, 2009.

This is to inform you that the said hsbc credit card( [protected] )has not been issued to me or nor has been used by me, but still i am getting the monthly statement of the said card since last one year. Matter has been discussed so many times with your customer care service department and they had blocked my card and had assured me that charges will be waived off, but no action has been taken so far.

Its once again requested that the charges against this card must be immediately reversed and a confirmation to this effect must be sent to me as soon as possible.

Suresh Kumar Satija