| Address: | Bangalore, Karnataka |
Hi Sir,
Last month I had converted a transaction to EMI(Loan Acc.[protected]) and my 1st month EMI was 2349.03.
That day, unknowingly i had made a payment of Rs.2350 to my SCB main account instead of paying to the loan account.
Now in the 2nd month, the bank has charged approx Rs.750(Late charges+Interest+Tax).
I have been using the SCB credit card since more than 5years and never/rarely missed any payment.
I have been using other bank credit cards as well and never faced this kind of issue as they do not have a separate loan account for the same.
The EMI amount will be included in the main account it self and hence no confusion.
In this case, i was confused with the tool and payed the amount to the main account even though there was no DUE. More over,
after the due date i have not been informed that i have missed the payment nor i have received any reminders for the same.
I would like the bank to take this as a special case and provide the waiver for the same. Please find my details below & do the needful
Name - Rakesh Kakarla
Acc No - 4196********7029
Regards,
Rakesh Kakarla Was this information helpful? | 
Standard & Chartered Bank — Unfair Practice by Bank
Dear SirI was credit card holder of Std & Chrtd ([protected])from[protected]. I was never a defaulter on my card in the whole time. In 2005, I was deputed to remote site by my company and I was unable to use my card. That time an amount of Rs. 800/- odd was due from me. Since there was no nearby braches, I communicated to Std & Chrtd bank to discontinue my services and asked them to adjust my reward point ( 1500+ points) to my dues. Nither I recived any communciation from them till 2007, so I thought that Bank must have adjusted and closed this issue. In 2007 when I approached some other bank for a home loan in Mumbai, to my horror I have discovered that I ahve been black listed in CIBIL and my card was invalidated in Sep 2005. I am still ready to pay Rs. 800+ a nominal interest till sep 2005 (Card Invalidated date). The Bank should have at least sent me a communication before doing so. When contacted Std & Chrtd Bank now, they are demanding an exorbitant dues of Rs. 7000+. This is unfair to the customer and unfair practice for such a reputed Bank. I request you to invstigate this matter and give me a solution so that my name can be removed from sebi blacklist.
Thanking you
Yours faithfully and Truly
K Muraleedharan