[Resolved]  Standard Chartered Bank (SCB) — Loss of Credit Card and its dispute related complaint

Hello Sir,

Below are the sequence of events happend during the period:
SCB: Standard Chartead Bank

# credit-card holder of SCB from Mar-07 to Jan-08.
# Got an opportunity to work with a firm in my home town Trivandrum, I left pune in
month of Aug-07
# Informed and updated my contact details to SCB
# Loss of Credit card, on 5th-Jan08 at around 3:30PM, in trivandrum city
# Informed customer care number and reported the incident.
# However, it took almost 3-4Hrs to block the card, by this time some of the transactions
were in pipeline.
# sent a mail to SCB informing the irresponsible services from them.
# After some days, received call from SCB and they enquired about all the incident,
and agreed the delay from their side and informed that they will be sending a dispute form
which is to be fill and FAX.
# FAXed, duely filled and signed dispute form to the given number.
# Now i had applied for a Housing Loan to SBI, with all the relevent and legal document.
# SBI authoroties informed that, my name is in CIBIL's black list, for some credit
card related payment offence, so application for loan may get cancel.
# Explained all the above mentioned incidents to them, but they told that i need to contact
the SCB, and settle down the matter as soon as possible.
# Contacted SCB customer care and informed them about this issue, they told that they have
the records with them, that they have not received any filled dispute form till date,
my Question is How come it is possible that the FAX has not received at their end?
and how can i believe on that?
# I accept my fault that i have not contacted and enquired about the status, but it is the
fault from banker's side too, that they have't informed me in time for non-reception of the
dispute form, also they have not informed that i should pay the amount.
# The last mail received from SCB was on 30th-Jan08
# Since there are mistakes at bank's side as well, i asked them to Waive the intrest and allow
me to pay the basic priciple amount only, to which they refused to do so.
# Finally to get a clean chit from CIBIL i paid the full amount.
# I think at the end of the day i has been cheated.

Now, in the whole process the banking authorities were expected to inform me about the status of dispute, however they have'nt informed me about that, due to which the repayment amount climbed to 5 times that of the basic principle amount.

thanks and regards
gopesh