Standard Chartered Credit Card — Hefty charges on illegal fine and interest charges

Address:

Bangalore, Karnataka

Hi,

I was using a credit card from standard charted bank from 2000 to 2005 with card no. [protected]. I was a regular payer for the usage i was incurring. During last three months of my usage in 2005, there was unreasonable charges of late fees, interest and fines which was added to my card. I had complained to the credit card phone department but was not waived off. During the last month the bill was around 11600/- and i paid 10000/-, a short of 1600/- in protest against the charges.

Immediately post that period, i went for higher studies. The address and phone number changed. I have not used the card again and the card department have not communicated on the permanent address ever. In 2012, CIBIL report says a due of 51000/- to the bank and when i contacted the bank, it took 30 days to respond, says the outstanding is 54000/-.

For non-usage, late fee which were unreasonable, the credit card companies are charging exuberant fines. It is depressing and frustrating . It is a hard fact that banks are aking advantages of the gray areas of guidelines and harrasing customers. Please help me in this regard.