[Resolved]  HSBC Credit Card — Written off a/c - with due amount ZERO in CIBIL report

Hi I was using HSBC credit card ' [protected] ": from 2004 to 2006 , and since hardly used this card called for Cancellation of Card in 2006. And looks like they ignored my request and I don't have any proof to claim :(((

After 4 years i.e 2010 I applied for Home Loan from AXIS and the bank people raised the complaint that., there is 'Written Off' status in Credit Report (but they have not revealed the Name of Credit Card Comp) against my name and finally some how they sanctioned the loan. !

When I requested from CIBIL report. there it is mentioned that, the due amount is ZERO and status :Written Off on HSBC card.

Immediately I called the HSBC people multiple times . they given different answers to question like:
"When the due amount is Rs 0.00 why the HSBC set my status as : Written Off. they could not give a right answer."

And as per the Card., the expiration of Card is May 2006 , but HSBC people saying that., the expiration of date of the same is: 2009 as per their account., but the CIBIL report contains the same number what I am holding right now(with out use).with expire date as May 2006!!!!

How this is possible!!??

And since I wants to change the status on CIBIL report , HSBC Collection department.people said. 'once the outstanding amt is cleared , they can close the status with in 45 days' provided they have to request for Outstanding till-date and so they requested me to call next day.

The next day when I called they mentioned it as: Rs.22,093 by mentioning that the interest was added on the due amount of Rs.8,000 (the due amount at that point of time) till today (From Aug 2006 -till March 8 2010). Then I asked for statement of Proof , they said like they can not issue any statement. !!!! and asked me to go to ATM and deposit the cheque of the same amount.

So I deposited the cheque today for amount of Rs22,100/-, as I am going for House Loan again.

There is lot confusion reg: following points
1) They don't have answer for - why the status is 'Written Off' when the due amount is zero in CIBIL report

2) As per the Card I still hold without use (mentioned in CIBIL) the expiration date is May 2006. Why it is reflecting as '2009' as per their accounts!!!

3) When they are saying Rs 8,000/- was my due amount at that point of time. why it is not reflecting in the account as well as in CIBIL report.

4) When the collection dept raised a request for Outstanding amount till today for an amount of Rs.22,093/--- upon my request, why they can not issue a statement and where is the proof for me to see how the amount has been calculated...?

This is very pathetic state of affairs.and miserable condition I am feeling.


[protected]- Bangalore