[Resolved]  Standard Chartered Bank - Loan against Credit Card — Cheating & Fraud - No response

Just to fulfill target, Standard Chartered Bank (SCB) Loan Team is harassing customer like anything till the customer thinks that he/she is a bagger and only SCB courteously helping him or her by giving me loan (approved 230000/- and given 154000/-) with heavy interest and delay.

Ratandeep & his team (SCB Office at Bahadur Shah Zafar Marg, Delhi) called up and requested me for a loan on phone on behalf of my card (maintaining with you since 1999 / 2000) without blocking my limit for Rs.230000/- (double of card limit) plus air ticket for any sector across the country and 2nd ticket on 50% discount. After a delay of atleast 1 month and several reminders, they sent me cheque of Rs.154000/- only and said very easily that if I want they will arrange balance Rs.76000/- against my card limit for air ticket they said, it will reach you within 10-15 days as the same will be issued by Indian Airlines

On their personal assurance I availed the loan facility of Rs.154000/- and waiting for ticket and after 20-25 days when again I contact them they said it is already courier to you, they will check and get back to me again after week, when I checked with them, they said please take the courier details from Call Center helpline, as they have all these type of details when I checked with call center people, they said my loan was not under air ticket offer as the same was till May’07 and my loan was sanction in June’07 after telling the whole story to the Manager of call center (Ms. Neha) she helped me and arrange to sent the attached voucher in September, but she assured me that the voucher will be valid for 6 months from the date of receipt of voucher.

When I received the voucher,

1. it is valid upto 31-Oct-07 with some categorized sectors
2. I contact Neha and informed her about the same, she said she will check and get back to me but now she is neither replying me nor coming on phone
3. while contact Friends Global, they said it will not be revalidated, only eligible as per sectors mentioned and no second ticket will be on 50% off
4. they also said that if I want I will book the ticket with a particular date (comes within year) before 31-Oct-07 and if I want to postpone or prepone the same Rs.100/- per sector will be charged.

Please help me, now as the sectors mentioned are all business centers and not holiday places, either give me DELHI-GOA-DELHI with 2 ticket on 50% off or refund me for all the harassments done by SCB people
or give me atleast one more ticket for my husband, because I will not travel alone and if we go together the other ticket will cost high
or give me your final decision so that I will send back the ticket to you as a GIFT from my side for atleast listening the whole episode and understanding the harassment and how these people are cheating customers like me.

The whole above story I had wrote on 05-Oct-07 to SCB people (Samuel & Sachin, Bangalore) on their request, but nothing responded till date, infact I received calls (2 times) from somewhere from Delhi SCB around 6 p.m. but I had requested them to talk to me around 7 p.m. as I was travelling that time not able to listen properly but they said they will call up next day morning around 10 a.m. for which still I am waiting and tried on their no. 66400335 several times but always going no reply as usual. instead again next day around 6 p.m. after my mail request to them, I received a call from one lady executive from SCB (tel no.[protected], while I was driving back to home. I think now they people are only passing time so that validity will lapse and they can easily able to tell me that “sorry mam we are not able to do something or other excuse”

Secondly now what SCB Delhi executives wants to know from me instead I had already wrote each and everything to them, still they are calling me (as informed you) and asking me that I have some problem in credit card or some air ticket, etc.. Please it’s now look likes that I am bagger and that’s why I had last time requested SCB to give me response in writing, otherwise I am returning air ticket back to them as a gift from me to them.