[Resolved]  HSBC Visa Gold Credit Card — Bank did not send me Statement and charged me with finance charges

i hold one visa gold credit card provided to me by HSBC Bank. I used that card for one bulk booking in the month of January and then whenever i had buffer i paid them. suddenly from the month of March i was not provided with my bank statement either on e-mail or by courier.
to which i repeatedly request them and updated my email id and courier address as well.

in the month of 15th march'08 to 14th march'08 i was charged by charged by some finance charges. reason one day delay to the payment and i was to pay 51210.21, where in paid only 51000.00. why i paid late because i was not receiving my statement. still i paid trusting the IVR figure.

i am charged with 1198.85 + 148.14(service [protected]@12.36). according this new statement i was to pay a minimum of 100 which i did not pay because i raised a concern over this amount and wanted them to reverse it. i used the card at international airport to buy some stuff as they were giving me the bonus points more then other cards were offering. now with my new statement i found that my finance charges have not been reversed and on top of it they have charged me late payment and finance charges further to it.

to which i again raised the concern and my card was put in collection by the bank. i received a call from collection department to which i gave them the history that i have not receiving my statements and this is unacceptable to me. to which they asked me to pay 1000/- minimum and told that this can be taken care of once you do this payment. to which after doing the payment i called up Bank and they have denied to reverse these charges. after lots of struggle they have finally offered me only a 50% reversal on the finance charges.

i am unhappy for the fact that even after my several reminders bank did not care to attend to my query. when i was asking for the statement only in the month of month i have received them. i am unhappy for the fact that these charges i would have avoided if they would have shown me any alternates. how long does it takes to send statement over email. it is for free.

this is my hard earned money and if i am not at fault Bank just can not take me for granted and put me as defaulter.

i seek your help in this issue, i am loosing my sleep over this and have to conclude it early as again my date is pending for 6th of June.

please guide where can i go in Gurgaon to get this issue addressed and do i need to hire a lawyer?

Thanks and Regards
Richa