Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

Dear Sir/Mam,
I had a credit card of HSBC bearing the no.[protected] .After using the card i made the cash payment few months against statement.
After sometime as because of some unavoidable circumstances was unable to make the payment asked the bank for settlement if they have any option for the same. One day a executive Mr. Sajid ,Mob. No.[protected] ,of M/s Bilkish Associates Pvt. Ltd, Andheri, (West) Mumbai came to me on 16.05.2008 with a settlement letter no.MUM/WO/MAY-08/15/MFS dt .May 15, 2008 where clearly mentioned INR 12000/- is to be made on or before 19th may 2008 in one installment.
Accordingly Payment of Rs.12000/-given Mr. Sajid under CHQ. No.813167 dt.17.05.08 of HDFC Bank and also the amount debited from my account. Mr. Sajid has also given me one receipt of HSBC bearing the no.CPD3 0204216 dt.16.05.08. under which received my Chq. Afterwards as per the commitment made on the HSBC settlement letter neither given me the zero balance statement nor given any no dues clearance, not only that even after receiving the settlement amount not updated to CIBIL ,as a result of which my name has not been removed.
It has been observed from many instances that in most of the cases banks are agreed upon the settlement but even after collecting the money from the customer and not up dating CIBIL and harassing the customer.
Hence, I urged before you for justice with the removal of my name from the CIBIL

Thnx & rgds,

GOPAL DAS
Mob. No. [protected].

HSBC is the worst bank to open an account in, I would say to anyone who is even thinking of opening an account with this bank - dont do it.
I opened an NRE and NRO account with them about 3 yrs ago, first they got my name wrong, then other details wrong. Even if you go to the branch personally the staff pretend to be helpful but do nothing at all.

After a few months there were some withdrawls from my account, which ofcourse I was not even aware of because I was not even in the country. Next trip to pune was spent having to prove this and getting them to refund this money as it was a mistake on their path.

Now they have deactivated one of my accounts and charging me for it and even after using internet banking, after logging in myself and sending them a request to activate this account. I have been told I need to send or come into the bank with photo identity and a letter and all sorts of rubbish. Ofcourse all of this is only possible if I am in the country.

HSBC only charge you for all sorts, its the easiest way for them to rob their customers and Oh did I mention they will de-activate your account and charge you for that too. So if you open the account with say 10, 000 after all their charges your left with nothing.

I am in the process of closing both accounts and be rid of the nighmare called HSBC. Dunno how long this will take - wish me luck

To

HSBC

As this business deal, since I don't have current account in India, I asked one of my business friend he is from Kolkata,he has it, he told me to use it, and provided everything ATM, Internet access for some time, I was using it because at the time i don't have current account, We are running call center bpo, since we used get some payment from usa, my business partner from usa, he told me...

Hi,

This is Rajakumar from Chennai, got my CIBIL report on last week. The below details are not related to me, all are showing huge outstanding all from HSBC bank only.

Total Due Rs.5,79,201/-

After this HSBC put as a WRITTEN OFF satus in CIBIL report which looses my credit history this is very ridicules and don’t except this kind of behavior from a MNC bank .I am fed up now from HSBC and feeling very disgusting that I was a customer of HSBC and writing this to you now.

mail id [protected]@rediffmail.com

CIBIL details are

Account number: XXXX5872
Type: Personal Loan
Opened: [protected]
Last Payment: [protected]
Closed: ----
Reported: [protected]
Sanctioned: 1, 81,000/-
Status: WRITTEN OFF

Account number: XXXX8961
Type: Credit Card
Opened: [protected]
Last Payment: [protected]
Closed: [protected]
Reported: [protected]
High Credit: 2, 77,058/-
Current Bal: 2, 77,058/-
Overdue 2, 77,058/-
Status: WRITTEN OFF

Account number: XXXX5073
Type: Credit Card
Opened: [protected]
Last Payment: [protected]
Closed: [protected]
Reported: [protected]
High Credit: 1, 21,143/-
Current Bal: 1, 21,143/-
Overdue 1, 21,143/-
Status: WRITTEN OFF

Hi all,

I took the HSBC Credit Card about an year ago. I have no problems as such with the card but I have started receiving calls for their premium circle program & once in a week I do receive the call for this offer, which is being provided in association with a firm called PLAT5.

The offer is quite lucrative but I am skeptical whether I should opt for it or not. In this program as shared by the tele caller, we will get vacation for 2 night & 3 days in the selected properties, 5 % Cash back maximum up to Rs 500, a domestic return ticket voucher which would cover base fare, polo club wrist watch & few international offers which can be redeemed while travelling abroad...

Altogether the package is really nice what's stopping me back is why bank is providing so many benefits in one program itself???

Card no. [protected]
HSB people canelled my card without giving any intimation to me and it was very terrible situation for me when i went for shopping and given my HSBC card for swiping, and the shopkeeper informed that i need to speak to customer card for clarification and came to know from customer card that card has been cancelled.

If you check the history of payment on the card you will find that all payments was regularly made but things gone worst when i started reqeusting for limit enhancement which they simply neglected. It should be our right to know that on what grounds banks consider the limit enhancement request. Then my account was wrongly debited with late fee charges and i continuously followed for reversal of charges. It was not acceptable at all, first you debit the account with late fee charges and then all of sudden cancell the card without informing the customer. I kept on requesting them for reinstating of card and i was assured that same will be done. I was clealry mentioning in all my mails that till the time needful is done i will not make any payment but they people were lest bothered about my concern. Then they started calling my numbers threating for payment of outstanding. I have sent n number of mails to nodal officer, HSBC for doing the needful but they are not ready to listen at all.

I have reqeusted them to reinstate my card and reverse all the unnecessary charges debited in my account and also send me apology letter for the harassment i faced in the entire episode. I am ready to make all payment in one sort subject to condition that all charges are immeditately reversed and card is reinstated.

Hope that my case is taken on prioroty to avoid harassment which i am facing due to colletion agents calling me regularly.

If any of you are thinking about investing with HSBC - PMS, please don't. You will save yourself a lot of heartache. Not only is the choice of stocks bad, but the timing of buying and selling is completely indefensible. Horrible performance in spite of staying invested for over 2 years. OK because of market vagaries, one can excuse the performance. Of course they have the BEST Fund Manager who will naturally "outperform" the market. Which never happens.

But the services and the over charging? Providing completely wrong end of the year financial documents? Wrong Balance Sheets? Even the ones signed by their auditors? Horrible feedback and total opaqueness from their account executives, so called "Relationship Managers"? But wait...the worst is still to come.

I decided to stop the PMS and asked for the stocks back in my custody and control. It has now been 7 months since I stopped the PMS...they have given me custody...but I cannot buy or sell the shares!! There is always some document or other that has not been signed. Some permission letter not submitted. Or some Letter of Authority that still needs to be issued. I am FED UP! Mind you I have been a customer of HSBC for the last 26 years and a Premier customer for 25 of those years.

God help the new customers. Lalit Manaktala. New Delhi.

Hello,

On July 30th 2010 I have applied for HSBC credit card. When I called customer care Pune, I came to know that my application is rejected. I am perfectly fine if my application gets rejected because of any reason however; I would need all documents which I had submitted along with the form.

The response of a Call center guy was horrible when I asked him about returning my documents he simply went on MUTE and stopped responding.

I am no more interested in HSBC credit card even if you offer it free of cost. I just need all documents back and also would like to bring to your senior management notice about the response I got from your so called customer care.

Documents which I had submitted:

1. Photos
2. Visiting Card
3. PAN Card photocopy
4. Passport photocopy
5. Light bill

I hope I will get a positive response. Thanks in advance.

Regards,
Ravi

P.S.: My Acknowledgement receipt no is: 29516, Agency Name: SERCO

Sir,

I had settled my credit card account.

CARD NO. [protected]

Settlement Letter - June'09 for 18999.24

Payment:

June'09 - 3000.00
July'09 - 3500.00
Aug'09 - 3600.00
Sep'09 - 3800.00
Oct'09 - 5100.00 (after approval with Mr.Ravi of HSBC as last date of settlement was 30th September'09)

All details confirmed with the Settlement Customer Care no. at [protected] at 16.38 on 19.8.2010 and further with Bank at my personal visit of HSBC office on 24.8.10.


At my above visit, Bank informed me that my settlement was void, as last date was 30th September and Mr. Ravi left HSBC, so his commitment is not valid. I had to further settle my account for Rs. 30,000/-.

At the time of my last payment, Mr. Ravi was employee of HSBC (not settlement agency), and represent HSBC. His commitment can be deemed to be commitment of HSBC.

Further, no communication was made as of void of above settlement.


How further bank employees can be trusted?

I a not a HSBC credit card holder. I received a call from HSBC Punjabi Bagh office. Some lady, who apparently works in my Company, is a defaulter of HSBC, as per the executive. The customer's name is Roma Khatri. She has been receiving calls from HSBC regarding payments, and as per HSBC she has given my number to HSBC as an alternate number. I do not know this employee. I have been receiving calls from HSBC since morning constantly, and they are speaking with me in sly language, they also have recovered my landline number and are calling on it too, continuously, giving bad words to my family members as well. The number from which I have received calls is[protected].

I do agree that this is a recovery call, and they have to behave firmly with defaulters, but I tried my best to convince them that I am in no way associated with any Roma Khatri, who is the defaulter. But they are not ready to listen anything and are speaking sly language. Also I have contacted my company admin and Roma Khatri as well, and she is a new comer and said has already closed the card 3 yrs back, and has not given HSBC my number.

I want strict action to be taken on this issue, the lady has not disclosed her name. I am ready to lodge a police compliant if no revert received or action taken.

Regards,

Sandeep Nathani
# - [protected]

Dear All,
When i was first offered HSBC credit card [protected],it was given to me free of charge ,but now suddenly i receive the statement with renewal charges ( membership fee )of rs 700 + service tax of rs 70+ed cess of rs 5,when i called them up and told them that i was given the card it was free with no renewal charges @ suddenly after almost 5 years they have started charging ?????????????????


Regards

Dilip Bhojwani
[protected]

sir,
I AM get today also a mail it is true or fraud

k.senthil
[protected]My hsbc bank identity
From:
Dip.patrick Evans <dip.[protected]@ymail.com>
View Contact
To: senthil tcd <[protected]@yahoo.com>

PATRICK EVANS.JPG (13KB) View Image
Attn Senthil
this is my identity as requested by you
Thanks
Patrick Evans

--- On Tue, 8/17/10, senthil tcd <[protected]@yahoo.com> wrote:

From: senthil tcd <[protected]@yahoo.com>
Subject: Fw: Fw: Payment Notification
To: "dip.patrick Evans" <dip.[protected]@ymail.com>
Date: Tuesday, August 17, 2010, 10:27 AM

sir,
Are you HSCFC Bank staff,please tell me your Id details,and it is refer for my KVB Bank manager

k.senthil



----- Forwarded Message ----
From: Dip.patrick Evans <dip.[protected]@ymail.com>
To: senthil tcd <[protected]@yahoo.com>
Sent: Tue, 17 August, 2010 3:47:03 PM
Subject: Re: Fw: Payment Notification

DEAR Mr Senthil
Your payment is still pending awaiting the deposit of your Foreign Exchange conversion
rate of 49850 India rupees
Thanks
Patrick Evans


--- On Tue, 8/17/10, senthil tcd <[protected]@yahoo.com> wrote:

From: senthil tcd <[protected]@yahoo.com>
Subject: Re: Fw: Payment Notification
To: "Dip.patrick Evans" <dip.[protected]@ymail.com>
Date: Tuesday, August 17, 2010, 10:13 AM

sir,
what happened my payment ,
k.senthil

From: Dip.patrick Evans <dip.[protected]@ymail.com>
To: senthil tcd <[protected]@yahoo.com>
Sent: Mon, 16 August, 2010 8:51:11 PM
Subject: Re: Fw: Payment Notification

Dear Mr Senthil Tcd,
Thanks for your mail,i will advise you follow up my Instruction to ensure smooth
transfer of your fund into your account.
Please note that we are using Influence and immunity of British High commission
in making sure your fund is being credited into your account in India.
If you want your fund being transferred into your account tomorrow please deposit to the
to account i shall send to you in the morning to avoid final cancellation of your payment.
Awaiting ur urgent reply
Thanks
Patrick Evans



--- Onre Mon, 8/16/10, senthil tcd <[protected]@yahoo.com> wrote:

From: senthil tcd <[protected]@yahoo.com>
Subject: Re: Fw: Payment Notification
To: "Dip.patrick Evans" <dip.[protected]@ymail.com>
Date: Monday, August 16, 2010, 12:51 PM

sir,
you give A NAME
MUKESH VERMAaccount no;[protected]
PAN no;-AJHPV4516G
IFSC CODE.ICIC0001070ICIBANK
This person Who ? and I will be paid to RBI -why I paid to Mukesh verma

please replay and the kvb manager told do't pay any money this is fraud .it is true ,why are send directy to bank the bank asked to me, after remittance my amount
k.senthil


From: Dip.patrick Evans <dip.[protected]@ymail.com>
To: senthil tcd <[protected]@yahoo.com>
Sent: Mon, 16 August, 2010 5:38:45 PM
Subject: Re: Fw: Payment Notification

Dear Mr Senthil
Very sorry the RBI said that amount cannot be deducted from the total sum
PLEASE DEPOSIT TO THE ACCT I SENT TO YOUR PHONE THROUGH SMS for immediate remittance
Thanks
Patrick Evans

--- On Mon, 8/16/10, senthil tcd <[protected]@yahoo.com> wrote:

From: senthil tcd <[protected]@yahoo.com>
Subject: Re: Fw: Payment Notification
To: "Dip.patrick Evans" <dip.[protected]@ymail.com>
Date: Monday, August 16, 2010, 11:47 AM

Dear sir,

ok Deductible that amount

k.senthil
From: Dip.patrick Evans <dip.[protected]@ymail.com>
To: senthil tcd <[protected]@yahoo.com>
Sent: Mon, 16 August, 2010 5:06:05 PM
Subject: Re: Fw: Payment Notification

Dear Senthil ,
With reference to India regulatory on monetary act of 1986 you are expected to pay for your FOREIGN EXCHANGE CONVERSION CHARGES OF 49,850 Non Deductible to
the account i shall send to you by sms.
Please call you
Thanks
Patrick Evans
Tel [protected]

--- On Mon, 8/16/10, senthil tcd <[protected]@yahoo.com> wrote:

From: senthil tcd <[protected]@yahoo.com>
Subject: Re: Fw: Payment Notification
To: "Dip.patrick Evans" <dip.[protected]@ymail.com>
Date: Monday, August 16, 2010, 5:34 AM

sir,
my personal details as following

(1) Full Name ;-K.Senthil

(2) Your complete address;-Kauvery illam,pandarathottam,Seerapalli(PO).Namagripet(via)
Rasipuram(tk)Namakkal(dt)Tamil nadu-INDIA-637406


(3) Cell phone Numbers;-[protected]

(4) Age ;-41 yrs

(5) Occupations ;- busniness

(6) Account details ;-
Bank name;- KARUR VYSYABANK LTD
Account type;-SB
Account No;[protected]
Bank branch;-Namagripet

(7) A scan copy of your identity proof;-INDIA DRIVING LINCECE NO;-2622/95..VALID DATE;-26.10.2015.......

(8).SEX:-MALE

(9).MARITAL STATUS:-maried

(10).E-MAIL ADDRESS:[protected]@yahoo.com

(11).TELEPHONE NUMBER:[protected],[protected]

(12).STATE:-TAMILNADU

(13).COUNTRY:-INDIA

(14).NEXT OF KIN:-KUMARAN.S.

(15).ZIP CODE:-637406

(16):NATIONALITY:-INDIAN

(17)PANCARD;-BETPS6891F



(17)MY PHOTO
;..

From: Dip.patrick Evans <dip.[protected]@ymail.com>
To: senthil tcd <[protected]@yahoo.com>
Sent: Mon, 16 August, 2010 11:01:57 AM
Subject: Re: Fw: Payment Notification

Dear Mr Senthil
Your personal identity and your Banking details are not attached .
Please re send again
Thanks
Patrick Evans

--- On Mon, 8/16/10, senthil tcd <[protected]@yahoo.com> wrote:

From: senthil tcd <[protected]@yahoo.com>
Subject: Fw: Payment Notification
To: "Dip.patrick Evans" <dip.[protected]@ymail.com>
Cc: "hyundai" <[protected]@asia.com>
Date: Monday, August 16, 2010, 5:16 AM

Sir,
As you requested i sent my details attached see of senthil details,

thanking you,
k.senthil

----- Forwarded Message ----
From: Dip.patrick Evans <dip.[protected]@ymail.com>
To: [protected]@yahoo.com
Sent: Sun, 15 August, 2010 11:31:24 PM
Subject: Payment Notification

Dear Mr
Please go through the attachment read and Revert
Thanks
Mr Patrick Evans














1 Image | View Image | Download Selected


PATRICK EVANS.JPG
(13KB)

I have used a HSBC Platinum Card till the month of June 2009. There were some issues related to a payment made on the Due Date in spite of which I was asked to pay late payment charges. I paid up and stopped using the card and called HSBC to cancel my card. They could not connect me to their internal department for cancellation. Thereafter I have never used the card. This card was given to me as a free card for 3 years and the expiry is in Jan 2012.

On Aug 19th 2010 I received several calls from HSBC collection department asking me to pay up Rs 3445. The reason being, my card has been charged with annual charges in the month of Jan 2010 which I failed to pay because I never received any statement. However these charges were reversed later and I have to pay the late payments charges for not paying up the annual charges since Jan 2010 which comes to Rs. 3500. Nobody called me to pay up in between within these seven months.

My statement used to come to my office that has changed and all these mail bounces were never informed. Only after 180 days of non-payment of late payment charges on account of some charge that should not have come to my card at all I am getting calls 15 times a day.

I had a credit card(master card) from HSBC. Its limit was 60000. By mistake once it can crossed the limit (Rs 61000).

From the customer point of view

1) They should never allow overlimit.
2) Even if they allow, there is a huge fine(Rs 550 each month)
3) Fine does not end for one month. It again continues for the next month also which is not correct.
4)On this end, I have canceled the card and decided to not to pay the fine amount.
5)This also leads to kind of mental torture .

I ask to seek compensation from the back regardign this and stop minting money from the customer like this

My details:

Ramesh Hegde
#82, F1 Kubera Enclaves, 2nd cross , Bhuvaneshwari nagar, Hebbal Bangalore-560024
Ph: 23623343/[protected]

Dear Sir/ Madam,


Ref No : HSBC Bank Credit Card Number [protected]

This is to reference to the subject, I Sachin Dwivedi employee of HSBC Bank using HSBC Bank Credit Card from October 2009, but on 14/03/2010 I received the call from HSBC Bank “Risk Department” stating confirmation on online transaction done on 13/03/2010 & 14/03/2010, I told them I have not used the credit card for any sort of online payment. The person told me that the transaction of Rs 40000/- (approx) have been done from your credit card, for some payment of (Idea cellular & Oxycash Info vision Pvt Ltd), I refused the confirmation of payment & blocked the credit card on 14/03/2010. After that I have contacted HSBC Call Center number many a times but they told investigation is still going on.


As advised by Call Center CRE, I have raised the Customer Dispute form, stating the details of dispute & mailed to Chargeback Section Team. After that I have made several calls to HSBC Call Center but every time, the response received was, that they would require some more time to investigate. Further I have contacted HSBC call center every week to know the investigation status, but still have not received any concrete reply or settlement from the Bank, ( the Response received was to contact next week for second level of investigation and there was no progress on the same till months). Also Call Center person requested not to go for any legal proceedings or any complain till investigation is in process.


On 6th July, I have received a letter from Chargeback Operations communicating that, “Transaction has been carried out using card security features for online transaction & conditional authentication( i.e., using additional authentication of your date of birth) and hence we request to make the payment for the same” .Being a staff I awaited 4 month for investigation & as investigation was not in favor of me after that i appraoched Nodal Officer of the HSBC Bank the reply was also not under my favor Now i have lodged the case with Cyber Police (Bandra Kurla Complex B.K.C) for investigation the case, simultaneously I want investigation from you side too. I am not aware that who have done these online transactions from my credit card.


Kindly check the matter on priority & try to reversed it back the discrepancy amount with the interest charge to my account, being a staff “Minimum Amt Due” is getting debited every month & I am charged with finance Charges every month. It’s my humble request to reverse back the Amount including Interest & Service tax charges which are every month to me. Help to me with the feasible solution as soon as possible.
Kindly Check the matter on priority & revert on Urgent Basis.

Regards,

Sachin Dwivedi,
WMS Dept, 3rd Floor,
Umang Bldg, Hsbc Hope,
Off Link Road, Behind In orbit Mall,
Malad (West) Mumbai 400 064
Email: [protected]@hsbc.co.in
[protected]@yahoo.com
Contact No.: [protected], [protected]

I was holding HSBC credit card no. [protected]. Due to my sudden illness and other domestic related problems, I was not in a position to make the entire dues and entered into a settlement. Cheques for monthly payment was made and the last month due was on June 2010. The amount informed by the Executive was collected by the collection agent . I have paid an amount of Rs.20716 every month and in the begining in September 2009, as per the advice of the HSBC executive Mr.Parind Malbari, I paid Rs.20,000/-
While making last payment in June-2010, it was confirmed with the executive of HSBC and the collection agent Rajesh yadav of Credit Investigation Agency who came home and informed the amount and collected the cheque.
But now in august-2010, I have been continuously called and harrased by the collection agents that the settlement has become null and void since I have paid short of Rs.716/- and hence I have to pay another Rs.2,50,000/- which appears to be nothing but harrasment.
I request the authorities to look into the problem and help me to come out of this crisis.

Hi,

I was using HSBC credit card in 2006, my card was expired in Dec 2008 and there was no amount(single rupee) due. Bank neither issued new card nor infomed me about old card will be extended. after more than 1 and half year, i received a call to pay Rs. 5090 toward cradit card due.

When i confirmed the transaction on which bank has added the changes, they replied with service charges they have automatically added.

How it is possible that card is still active even after card is expired (expiry date mentioned as per card is 12/08)?

Please revert the amount which is charged without my knowledge as well as close the card if it is not closed yet.

Regards,
Devender
[protected]

Respected Sir,

I am B.Yoganjal Reddy,I got a credit card no--[protected] from hsbc bank at Trivandrum and
offered a loan amount of Rs.20000/- and sent the cheque to me without informing before sending. However I have not received the cheque, it went back to the head office. Then I called customer care and requested to cancel the loan and they accepted for the same.

But next month onwards started sending me the monthly EMI to my bill, then called to customer care people and informed the same. It went on for couple of months, then they started asking me to pay at least late payment charges. I called numerous times and informed the customer care people, they have not taken any action on my EMI's. Hence I told them to cancelclose my credit card.

After three years I got a call from settlement department(Ph: [protected]) and informed me that you have to Rs.14000/- otherwise we will add your name in CIBIL list. I told them clearly, please provide me the details of transactions which ever I made so far, then I will pay my balance amount. They are not ready send me the transaction list. Even I followed up with the customer care people, I didn't get any response from them as well. After long discussion with the settlement department they came down and ask me to pay Rs.2500/- to settle the account and clearly told that since I have not made any transaction why should I pay you.

Every month I receive a show cause notice from HSBC regarding non-payment of dues. Now the amount becomes Rs.23000/-. I am really upset of the services of HSBC credit card.

So, request you to re look into the transactions and please do the needful.

I am waiting for u r reply.

Thanking you sir,
B. Yoganjal Reddy

email : yoga.[protected]@gmail.com
Phone : [protected]

HSBC Credit Card No. [protected]

My HSBC Credit Card I am using from last 10yrs Now from 4th Aug The Bank is making Harassment for making payment. I am always making my payment in time. Even though from past 6 Month the regular Statement I have never recived. This further to our Complaint Dt 8th Aug 2010. to The Police Station Complaint at BANGUR NAGER - MUMBAI for the Mental Harassment made Even after making the Regular Payment. The HSBC staff is call us 30-40 Time a Day Just for nothing. Dem Call, Miscall, Abusive Language call, I have been Mental Harassed by this activity & forced to Lodge Complaint.

I have directed the Bank for Next time if any Payment is Due you first reply to this Complaint with written explanation. I am also filing the Case against your Bank at Consumer Court. We are not getting Statement from past 6 month our and above you are harassing me & my family by making Phone call & Mobile calls.


Sanjeev Mittal

From :

Kailash Natani
804, Krishna , Vasant Sagar,
Thakur Village , Kandivli (East),
Mumbai 400 101

Dated 04th May 2010

To,

The Customer Service Manager
Credit Card Division,
HSBC
Mumbai 400 001

Ref.: Credit card No. [protected]

Sub.: Cancellation o[censored]ndue debit balance against the card.

Dear Madam/ Sir,

With reference to the above cited subject and further to my email dated 26th April 2010 I would like to inform that I have already informed the bank to close the above referred card in December 2010. At the time of closing the card there was no any balance due against the said card.

In reply to my email your customer service executive had confirmed from your own records that the card was closed on 23rd December 2008 . Copy of the email reply is enclosed herewith for your ready.

In view of the above the balance shown against the card is not correct. Accordingly I request you to cancel the dues against the card and send me no dues certificate.

Thanking you for your usual co-operation.



Kailash Natani

Enclosed : Email reply from HSBC