[Resolved]  Standard Chartered Bank — Sold My banking Credentials to Shaha Finlease Pvt Ltd

Address:

Ghaziabad, Uttar Pradesh

Brief of what has happened so far.

My car loan was rejected due to written-off status in my CIBIL report against an old credit card account.
Logged on to www.cibil.com and obtained a latest copy of my CIBIL report.
Found that the written-off statement was against a company called "SHAHA" (I didn't know what that mean)
Called up CIBIL and found that the SHAHA means for a company called "M/s. Shaha Finlease Private Limited" and they deal with Standard Chartered Bank.
Called up Standard Chartered Bank to find out what is happenning. SCB said I have an outstanding of about 39,000/- against a credit card I had with SCB, SCB refused to provide any more information and advised to contact "SHAHA". I referred my archives for all the SCB statements and found that the actual outstanding principal amount was 2,700/- after further digging deep, I found that I had sent a request to cancel my card account in the month of Jan,2008 which was not adhered to causing this entire mess (I have the email still with me)
I refused to contact anyone except SCB for my credit card issue, SCB confirmed in an email that my account was sold to SHAHA and there is absolutely nothing they can do about it, I gave up and finally reluctantly agreed to contact SHAHA after failing with multiple attempts to get the required information from SCB.
It took me 3 week of daily calls to SHAHA to finally get to talk to someone on the other side.
He advised he will look into the matter and will help me settle the account for something lesser.
I ended up following up with him for about 2 more weeks with multiple calls and email in between and ended up talking to completely new person altogether at the end of the 2nd week.
Explained him the same story all over again who promised for a call back after 30 mins, finally someone called me and demanded for 15,000/-
I denied for paying anything more than 5,000/- (Not because I didn't have money) because I felt being cheated, I offered to pay Rs.5,000/- which I felt was decent enough for an outstanding principal of about 2,700/- for 3 years.
I reported this to SCB Nodal officers at Chennai and New Delhi via email and phone calls, nothing worked.
No positive response from Nodal officers either and they kept repeating the same thing to like a parrot (Contact SHAHA)
I received a call few days later from SHAHA asking what is that I want to do, he also made a statement "Dena toh aapko padega, nahi toh..pause"
SHAHA also threatened for further spoiling my CIBIL report if I don't adhere to their demands.
This was enough and I finally decided to take the Banking Ombudsman route.
I logged two separate complaints, one at Banking Ombudsman office Bangalore for the harassment and unacceptable demand for recovery amount and another one with Banking Ombudsman Channai for selling all my credentials to a non RBI authorized firm (I feel I am right).

I am still fighting both of these complaints individually.

I have spoken to RBI officers at New Delhi and am paying a visit tomorrow morning with a hope to meet someone who can help a frustrated Citizen.

While all the above is what has happened in the past three months with barely a day's gap for any communication in this regard, below are the documents I am in possession of, and also attaching few for the benefit of forum readers.
Standard Chartered Bank credit card cancellation request (Cancellation EMail Jan 2008.pdf)
Banking Ombudsman Complaint Bangalore (Banking Ombudsman Complaint Bangalore.pdf)
Banking Ombudsman Complaint Channai (Banking Ombudsman Complaint Channai.pdf)
Letter sent to all the Standard Chartered Bank customer with misrepresentation of RBI circular (Stanchart Letter.pdf)
Letter from Standard Chartered Bank confirming my account was sold to SHAHA. (SCB Email account sold.pdf)
All the 7 statements from Standard Chartered Bank which shows the outstanding principal as on the date of request for cancellation.
Standard Chartered Bank Credit Card Number: XXXX[protected]

Regards,
Ajit Patil.
Jago Bharat Jago