[Resolved]  Standard Chartered Bank, Kolkata — hypothetical amount charged against card no.[protected]

Sub : Outstanding dues under my credit card No. [protected]

Dear Sir,

With deep regret and heart left annoyance I like to lay my problem regarding Standard Chartered Bank credit card facility bearing No. [protected] as cited above. I had a small amount of loan of Rs. 5000/= and till September 2005 I had tried to pay it full by instalment through the Agency of Standard Chartered Bank Kolkata namd Credit Controls, A/29, Ramkrishna Upanivesh, Calcutta 700032. At that time I was told that my loan amount has been squared up and there were no dues against me but no settlement letter came to me. From then on I made no purchase or withdrawal from my card and my card facility was closed. But after a long period of 3 years, on 23.082008 the Bank authority has sent me a letter (Xerox copy attached) to my office address that I have an outstanding dues of Rs.42420/= and I have to repay it or settle it within7 days, to adopt legal action against me otherwise. As advised, I made a call to the Bank authority and One Miss Bandana received my phone call. She accused me that I am a cheat and I do not accept any letter in my home address or office address and do not attend their phone call also. Now my question is that, if I do not accept any letter in my office address, how this letter came to me and how could I receive it. She did not want to pay any heed to my request and said that I have to pay 50% of the outstanding dues immediately to settle the case, if not, I must remain prepared for any adverse position. Then I went to the office of M/s Standard Chartered Bank, Bank Card Customer Service Centre, 19, Netaje Subhas Road, 1st Floor, Kolkata 700001 and see Miss Bandana to consider my case. I also told that it presumes the amount is hypothetical and demanded the debit / credit month wise statement to verify my dues. She became very much furious and told me that if I want so, I have to pay Rs.100/= for per month statement that means for 3years details I have to pay Rs. 3600/= or more. After a long conversation she abruptly reduced my outstanding dues to Rs.15000/= and asked to pay it in one shot otherwise She will take me to LOK ADALAT. Now I am residing in my new address and closed my home telephone fearing of their dirty and abuse language and behaviour. At present I am in deep financial problem with my ailing aged father and only college going daughter. So it is not possible to repay the loan as the madam of M/s Standard Chartered Bank Kolkata demanded. Not only that, they are keeping me in dark about the details of my dues.

In this circumstances, I have no other way but to highlight the case to you, so that I can get any way to get relieved from this problem of credit card and hypothetical dues as demanded by M/s Standard Chartered Bank Kolkata.