[Resolved]  HSBC Credit Card — Cheque missing by HSBC

Sub – Late fee Charges & no response from HSBC
Dear Sir,
I am not satisfied with the HSBC credit card Services. The reasons are as follows.

Details
• The problems started after transferring the card address from Ahmedabad to Hubli (Karnataka) in the month of July 2004.
• Oct 2004 card renewed. Without my knowledge & annual fees added (waived after discussion)
• I had spoken to Call centre regarding procedure for making payments (Hubli do not have HSBC bank)
• HSBC said, payment can be made in Hubli through Drop Boxes (addresses given by HSBC). And no charges will be levied if local Hubli cheque used.
• As per the guidelines I started dropping cheque in drop box (SKYPAK courier).
• Most of the time HSBC has levied the UPC clearing charges, late payment fees etc.
• Many times HSBC has waived these charges, after giving the all details like cheque no. date, drop box address, etc.(after receiving every statement I have called call centre)
• It is very difficult to contact HSBC call centre, avg. 25 – 30 minutes are required on phone to clear the HSBC doubts.
• For the Statement period 20 Aug 2006 to 19 Sep 2006 last date for payment was 11th Oct 06. For the same I have dropped a local bank cheque (Syndicate Bank Cheque no. 367406 dtd 26.09.06) on 26.09.06.
• In Oct 2006 statement, once again late charges & UPC clearing charges levied on card. When I checked with drop box centre (SKYPAK courier Ph no. [protected]) they shown the cheque sent date, it was 28th Sept 06. And I have checked with Syndicate Bank, they shown the statement, cheque received for clearing on 9th Oct 06 & same day cleared.
• For the Statement period 20 Sept 2006 to 20th Oct 2006 last date for payment was 10th Nov 06. For the same I have dropped local bank cheque (HDFC Bank Cheque no. 253477 dtd 27.10.06) on 27th Oct 06.
• But as per the call centre till date they have not received the payment, for the same I have checked the drop box (SKYPAK courier Ph. no. [protected]), they shown the details it is dispatched on 30th Oct 06.
• I have checked my bank account it is not debited to my account – it shows cheque is missing from your side / courier side.
• After this issue I have made several communications to HSBC no response from HSBC. No response from HSBC.
I have written many e-mails to HSBC few times they have given few ph nos. but those are not active or they do not have any information’s on this account.

I have requested to HSBC wave all the late charges etc, I will pay the amount which was due in Sept 2006..

Please do the needful

Thanking you,
Yours truly,

Arun Chiniwal