[Resolved]  Sbi - Ge Money Credit Card — Rip off crooks from SBI - GE Money

Address:

Bangalore, Karnataka

I was sold a credit card against an FD in SBI by SBI agent. SBI initially promised to give the card interest free for initial six months which they didn't keep. Anyway, after using the card for several months regularly I missed the payment due date for just few days. After which SBI agents started bullying me on the phone though I told that I am going to pay within few days. This time I had a doubt about their behavior and intention, and indeed I found that the SBI credit card is handled by the American company GE Money. Since I know America / American organizations extremely well, I right away understood what their plan was. I decided to close the card then and there. I didn't have enough money at that point of time to
pay my dues in full, and I didn't want to pay minimum amount either, as I wanted to close the card. Hence I went to the SBI branch where I had my FD against which the Credit card was given. I wanted to use the FD to clear my dues in full and wanted to close the card right away. I told the SBI personnel to en cash the FD prematurely and to pay it towards my SBI credit card. After I filled up all the forms, the SBI personnel was working on that, after sometime she came back and told me that she can not en cash the FD as the Credit card dept (GE Money) put an hold on the FD. The SBI bank washed their hands off saying it's GE money who is handling the Credit card and not SBI. Though the card says it is SBI Credit card. I
explained in details and the SBI personnel told me to contact the credit card customer service and to ask them to remove the hold from the FD, then to get back to them and then only they will be able to let me pay my credit card dues using the FD. I right away called the SBI credit card customer service, they gave me an address (with a PO box number in GPO, New Delhi), and asked me to send them a letter requesting the
removal of hold on my FD. I did that next. In the letter, I requested them to use my FD to pay the Credit card due in full and to close the card. In the mean time, the SBI - Ge Money Credit card collection agents keep on calling me the American way every day, and I was keep repeating the same thing again and again to them, that I have sent them the letter which they should have received, and they have to either remove the hold from the FD or they themselves should use the FD to pay off the credit card due. But all they were doing was calling me everyday and bully me. The intention and the game was very clear to me, as again, in America they do it every moment with lot of people by getting them victimized by the American credit system crooks. The amazing fact is that SBI is working with this American crooks to victimize Indian people now. Next someone again called me fron SBI - GE Money and as I explained what was happening, this time he asked me to email a scanned copy of the letter to them. I did that too. But SBI - GE Money kept on playing their dirty game and didn't do any thing about it. So, SBI - GE Money was neither letting me to pay my dues nor they were doing anything them selves. Nice American style. By doing this they keep on accumulating interest on the credit card due. Standard American story.I do not think SBI - GE Money is doing this only for some[protected] rupees extra, they were actually
following some order from some other and playing some tormenting game for some other purpose. This is also a regular American game.
They keep doing this, later I decided not to pay otherwise (by paying otherwise) as they were not to remove the hold from the FD, that way they were planning to get the money from me as well as by taking the FD money. Later one fine day quietly they en cashed the FD prematurely and took the entire amount ( which is nearly 8000 Rs more than my dues on the day I went to the Bank to pay my dues).
Please let me know what are my rights to sue SBI - GE money in this matter for ripping me off and by creating mental agony. I have the documents.