[Resolved]  Standard Chartered Bank — Unnecessary charges levied on me.

Hi,
Few years back I have opted for Standard Chartered's Manhattan card. At that time I myself transferred the money using ICICI Bank Visa money transfer and paid 2 my Manhattan Credit Card due balance and which Manhattan Credit Card's Accounts department was not agreeing that they received the money. Later on, after 10 months I received the mail from Customer care that they got the money, in reply to that I have asked them to settle my card as I don't want there card and received no mails no replies from the customer care.

Today after a very long time a call was being made at my residence (+91 [protected]) stating that I have some amount due on my card (Card was never used from last more then 2years). Inspite o[censored]pdating these people regarding the same , they used abusive language and told my family to make the payment else will send some wrong people to your place for the recovery. And they asked my family to contact Mr. Anand at +[protected], (email id - anand.[protected]@yahoo.com) Delhi number (Money recovery cell).
Standard Chartered even have my email id but no letter / email was sent to me. I was in London from last 1 & 1/2 year and now moved to Zurich. If any thing goes wrong or any thing happens to my family Standard Chartered people will be responsible for it...

I'll now ask my family to go to consumer court and file a case against you people for harrasment previously and now as well. As previous all payments / bills were cleared on time and I have also provided RBI reference number after requesting ICICI Bank.

Please find the mail below the complete conversation between myself and the Creditcard department.


Rgds,
Nikhil Saxena
+[protected]


-----Original Message-----
From: Saxena, Nikhil (GE Cons Fin, consultant)
Sent: 30 August 2006 15:12
To: Head.[protected]@manhattan.co.in
Subject: RE: Complaint, RBI Ref. No. - 527089

Hi Suprita,


Got your mail... But still you are not getting my point which I have raised.

I don't care what ever the balance is... But the thing is I've done the Fund Transfer (Visa money transfer) from my ICICI Saving Bank Account (A/c No.[protected] on 08 Oct 2005 for Rs. 1226/- and according to you ppl "Your payment of Rs.1,226.00 is credited to your card ending with 1970 on 07/11/2005."

NOW WHERE IS MY MONEY FOR 1 MONTH, WHO WAS USING MY MONEY... AND YOU PPL MUST HAVE CHARGED LATE CHARGES AS WELL ON THE SAME.

Right now I'm in London, will come back only after 2 years, but I want this thing to get settled.

I want you ppl to settle my account and adjust my points what ever they have and what ever might be the balance.


Nikhil Saxena
+44(0)[protected]

-----Original Message-----
From: Head.[protected]@manhattan.co.in [mailto:Head.[protected]@manhattan.co.in]
Sent: 30 August 2006 13:57
To: Saxena, Nikhil (GE Cons Fin, consultant)
Subject: RE: Complaint, RBI Ref. No. - 527089

Hi Nikhil,

We are sorry for the delay in responding to your previous e-mail.

Nikhil, we truly apologise for any inconvenience that may have been caused to you with regard to your Manhattan card.

We have reversed the assured financial charges debited in your card ending with 10271970. These credits are reflecting in your August, 2006 statement.
However, there is a balance of Rs.201.00. We have arranged to reverse these charges. Post the reversals, your account will have a nil balance.

We request you to bring in a payment of Rs.Rs.1470.00 towards your account ending with 9147. Post this payment, please get in touch with us so that we can reverse the financial charges debited in your card account.

Please feel free to call our helpline on[protected] or 30301969 for any further assistance or clarification.

Cheers!

Suprita Hirur
Team Manhattan

P.S: If calling from a BSNL/MTNL phone, please dial[protected] or[protected] If calling from a non BSNL/MTNL phone, then dial, local city code followed by 30301969


----- Forwarded by Head Customerexperience/Manhattan/SCB on 08/30/2006 09:43 AM -----

"Saxena, Nikhil
(GE Cons Fin, To: <Head.[protected]@manhattan.co.in>
consultant)" cc: <[protected]@manhattan.co.in>, "Shilpi Saxena"
<nikhil.[protected]@gec <[protected]@yahoo.co.in>, <[protected]@yahoo.com>
is.ge.com> Subject: RE: Complaint, RBI Ref. No. - 527089

08/25/2006 07:38
PM






Hi Suprita,


This is really very shocking from you people.

Firstly you people are responding after a great amount of delay and there is no regret from your side for the same and still when you are saying that you have received the money. And you are responding after so many follow-up and still there is a big issue why this is still there
- "the total damages on your account ending with 9147 is Rs.3,265.30."

You are not accepting your faults and in this way you are directly saying to the customer to take legal action against you people.

When I had done fund transfer on 07 Sep 2005 for Rs. 1195/- (RBI Ref.
No. - 527089) & on 08 Oct 2005 for Rs. 1226/- and you are accepting it that you received the payment almost after 10 months chase, still there is a big goof-up in this. When you do a fund transfer online it will take 2 days to 3 days at max. Then how come you people are saying that you have received the payment so late. Where is my money gone for that period. I'm giving you the printshots of my statements, then also very same response really very shocking to me.

The kind of mental tension you people have given to me and to my family, daily calls on my mobile for non-payments.



Nikhil Saxena
[protected]



-----Original Message-----
From: Head.[protected]@manhattan.co.in
[mailto:Head.[protected]@manhattan.co.in]
Sent: 25 August 2006 13:49
To: Saxena, Nikhil (GE Cons Fin, consultant)
Subject: FW: Complaint, RBI Ref. No. - 527089


Hi Nikhil,

Thanks for your e-mail.

We would like to address your concern as follows.

Your payment of Rs.1,195.00 is credited to your card ending with 8034 on 09/09/2005. This is reflecting in September, 2005 statement. We have sent
your card statement for the month of September, 2005 to your e-mail id for your reference. Trust you are in receipt of the same.

Your payment of Rs.1,226.00 is credited to your card ending with 1970 on 07/11/2005. This is reflecting in November, 2005 statement. We have sent
your card statement for the month of November, 2005 to your e-mail id for your reference. Trust you are in receipt of the same.

We have arranged to reverse the financial charges debited your card ending with 1970. These credits will feature in your next card statement. Post
these reversals, your card account will have a nil balance.

You had taken a balance transfer for an amount of Rs.10,000.00.
However, we have received the partial payment towards the same. The same is given
below for your reference. This pertains to account ending with 9147.

1) Rs.500.00 in the month of January, 2006 statement.
2) Rs.8,036.96 in the month of February, 2006 statement.

We request you to bring in a payment of Rs.1470.00 towards your account ending with 9147. Post this payment, please get in touch with us so that we
can reverse the financial charges debited in your card account.

As on date, the total damages on your account ending with 9147 is Rs.3,265.30.

Please feel free to call our helpline on[protected] or 30301969 for any further assistance or clarification.

Cheers!

Suprita Hirur
Team Manhattan

P.S: If calling from a BSNL/MTNL phone, please dial[protected] or
[protected] If calling from a non BSNL/MTNL phone, then dial, local city code followed by 30301969


----- Forwarded by service id/Manhattan/SCB on 08/16/2006 01:48 PM -----


"Saxena, Nikhil

(GE Cons Fin, To:
"[protected]@manhattan.co.in" <'[protected]@manhattan.co.in'>
consultant)" cc:
<[protected]@yahoo.com>, "Shilpi Saxena"
<nikhil.[protected]@gec
<[protected]@yahoo.co.in>

is.ge.com> Subject: FW: Complaint,
RBI Ref. No. - 527089


08/14/2006 10:38

PM









Hi Akhila Ashok / Shuvbidha / Manasi / Bhavya / Tej / Chandrika / Jesica / Richard, ,


Today, I got a call from one of your representatives stating that "your due amount is Rs.6000/- but we can settle them for Rs. 3500/-. Inspite of giving you the RBI ref. no. for the transaction and all the details with printshots for the money transfer that I had done, you people are unable to trace out where my money gone and asking me to pay for it unnecessarily.

I again want you to check your records, go thru it properly and check where my money has gone. Else this time I'll go to consumer court.

Give me anybody's contact number, your complaint cell no. I want to call them up.


Nikhil Saxena

From: Saxena, Nikhil (GE Comm Fin, non-ge)
Sent: 07 April 2006 11:16
To: '[protected]@manhattan.co.in'
Cc: '[protected]@yahoo.com'
Subject: Complaint, RBI Ref. No. ? 527089
Importance: High

Kind attention Akhila Ashok / Shuvbidha / Manasi / Bhavya / Tej / Chandrika / Jesica / Richard,





I want full explanation on Chandrika's mail.
1. Who deposited the cash of Rs. 1226/- in SC Bank, Date & Time?
2. Pls mail me the details of the Name who deposited the money & Branch?


According the Chandrika's mail you people have received Rs 1226/- in Nov. '06, which is appearing in the statement. Below is the Chandrika's mail attached...


I had done fund transfer on 07 Sep 2005 for Rs. 1195/- (RBI Ref. No. ?
527089) & on 08 Oct 2005 for Rs. 1226/-. Attached in the form of zip file.








Rgds,
Nikhil Saxena
+91 [protected]
<<Re: Complaint>>
-----Original Message-----
From: Saxena, Nikhil (GE Commercial Finance, non-GE)
Sent: Monday, January 02, 2006 10:06 AM
To: '[protected]@manhattan.co.in'
Subject: Complaint
Importance: High


Hi,


In my previous mail I've mentioned that I've done the Fund Transfer (Visa money transfer) from my ICICI Saving Bank Account (A/c No.
[protected] on 08 Oct 2005 for Rs. 1226/- & (A/c No.
[protected] on 07 Sep 2005 for Rs. 1195/- for my Credit Card No. - Manhattan 4129 0348
1027 1970.


Now that money is adjusted in my current statement & but still the panelty charges are there and have been paying Panelty charges from last
3
months are not reversed back and also I've to pay unnecessary service tax for no mean.





<<ICICI Bank Fund Transfers.ZIP>> <<Re: Complaint>> <<[MID:
a10880a8594f974]Your credit card statement for the month of 12/2005>>


Request you to pls look into it or else I will move to Consumer Court.


Rgds,
Nikhil Saxena
+91 [protected]


-----Original Message-----
From: Saxena, Nikhil (GE Commercial Finance, non-GE)
Sent: Wednesday, November 23, 2005 8:05 PM
To: '[protected]@manhattan.co.in'
Subject: Complaint


Hi Jesica / Richard,


I've done the Fund Transfer (Visa money transfer) from my ICICI Saving Bank Account (A/c No.[protected] on 07 Sep 2005 for Rs.
1195/- &
also (A/c No.[protected] on 08 Oct 2005 for Rs. 1226/- for my Credit Card No. - Manhattan [protected]. The amount has been
debitted from my account the very same day and it is not showing anywhere in my current statement.


Request you to please look into it.


<< File: ICICI Bank.doc >> << File: ICICI Bank.doc >>


Thanks & Rgds,
Nikhil Saxena
________________
GENPACT IT Services
Gurgaon, India
Tel:+[protected]
This e-mail, together with any attachments, is confidential.
It may be read, copied and used only by the intended recipient. If you have
received it in error, please notify the sender immediately by e-mail or telephone. Please then delete it from your computer without making
any copies or disclosing it to any other person
----- Message from on -----





Hi Nikhil

Thanks for your E-mail.

The payments we have received on your account are as follows:

* On 7th November we received a cash payment of Rs. 1226.00

* On 10th November we received a cheque payment of Rs. 667.00

* On 18th November we received a cheque payment of Rs. 15999.89

There is no visa fund transfer reflecting in the account. The total outstanding as on date is Rs.14091.85. Please bring in payment towards the same.

Feel free to call us on[protected] or 30301969 for assistance.

Cheers!

Chandrika
Team Manhattan

P.S: If calling from a BSNL/MTNL phone, please dial[protected] or
[protected] If calling from a non BSNL/MTNL phone, then dial, local city code followed by 30301969




"Saxena, Nikhil (GE Commercial Finance, non-GE)"
<nikhil.[protected]@gecis.ge.com>


To: <[protected]@manhattan.co.in>


01/02/2006 10:05 AM
cc:

Subject: Complaint







(Embedded image moved to file: pic03548.gif)
----- Message from on -----





(Embedded image moved to file: pic19629.gif)

----- Message from on -----





Hi,

Here's your card account statement for the month 12/2005

To view the statement, just double click on the PDF attachment.
MANHATTAN PRIMARY CARD For security reasons your card numbers and address are masked.
Any trouble? Give us a call @[protected] or[protected] or drop us a mail at [protected]@manhattan.co.in

Cheers!

Team Manhattan


Hi Nikhil,

Sorry for the delay in responding to your E-mail.

We have forwarded your request for reversal of Financial Charges debited in your card account in October and November 2005 statement to our Reversal Team. The credit for the same would reflect in your next statement.

Thanks for your E-mail.

Feel free to call us on[protected] or 30301969 for assistance.

Cheers!

Sapna Koul
Team Manhattan

P.S: If calling from a BSNL/MTNL phone, please dial[protected] or
[protected] If calling from a non BSNL/MTNL phone, then dial, local city code followed by 30301969




"Saxena, Nikhil
(GE Commercial To:
<[protected]@manhattan.co.in>
Finance, non-GE)" cc:
<nikhil.[protected]@gec Subject: Complaint
is.ge.com>

12/05/2005 08:42
PM






Hi,

In my previous mail I've mentioned that I've done the Fund Transfer (Visa money transfer) from my ICICI Saving Bank Account (A/c No.
[protected] on
08 Oct 2005 for Rs. 1226/- for my Credit Card No. - Manhattan 4129 0348
1027 1970.

Now that money is reflecting my current statement & still the panelty charges are there and are not reversed back and also I've to pay unnecessary service tax for no mean.

I've also stated that I've done the Fund Transfer (Visa money transfer) from my ICICI Saving Bank Account (A/c No.[protected] on 07 Sep 2005 for Rs. 1195/- for the same which is still not visible in my statement.

<<ICICI Bank Fund Transfers.ZIP>>

Request you to pls look into it or else I will move to Consumer Court.

Rgds,
Nikhil Saxena
+91 [protected]