[Resolved]  Tata SBI Credit Card — Settlement Letter not sent by TATA SBI Credit Card

The 22nd. August 2009.

To,
The Head,
Tata Card
AVP- Customer Service.
New Delhi.
(e-mail : head.[protected]@ge.com)

Thank you for your email dated 21st. August 2009.

Please be noted that for the last few months, I am getting your monthly account statement in time and accordingly paying my minimum dues well before due dates, which you will appreciate. So yours explanation on statement generated dates & due dates of payments etc., as per your above letter, seems to be not a major issue for me. So do not advice me for last payment etc., at this stage. My main issue is ignored, for which I am giving you last chance to send me the details of transaction, right from beginning to till this date indicating the all debits, credits, waivement & fines etc. I cannot pay you any charges for duplicate monthly bills.

You have attached a file-“modes of statement- tata .doc” for opening my card account in various mode, but sorry to inform you that the file is not opening saying “there is a problem …………………..” Hence pl. sends me a soft copy/hard copy.

As a customer, I may ask statement of account in any form ( as other financial organizations/Bank/LIC etc. are providing) for details information; so that I may be that assured that no hidden charges or extra penalties are charged.

Please note the following data, collected from my SBI Saving Bank Account’s statement from the beginning of payments made to you and till this date :

Sl. No Date Amount

1. 09.06.08 876.32
2. 11.07.08 890.09
3. 25.07.08 889.83
4. 23.08.08 1022.10
5. 23.09.08 642.97
6. 29.10.08 642.01
7. 02.12.08 641.02
8. 10.01.09 640.02
9. 30.01.09 640.02
10. 03.03.09 1164.62
11. 24.03.09 793.26
12. 17.04.09 745.53
13. 26.05.09 632.29
14. 25.06.09 631.37
15. 24.07.09 630.42
16. 21.08.09 629.46
[protected]
* Rs. 12, 111.33




-2-

CLIRIFICATION NEEDED

• Total payment(EMI) maid by me : 12, 111.33 till Aug 2009
• Loan taken during May 2008 12, 000.00
[protected]
• Difference amount 111.33
• Add outstanding as on 12.08.2009 5589.46
• .[protected]
• Payment realized for Intt + Fines etc 5, 700.82

You are requested to clarify in writing for the bifurcation of the huge amount of Rs. 5, 700.82 debited by you. It is very surprising to note that against the loan amount of Rs.12, 000/-, a sum of Rs. 5700.82 extra has been recovered by you with in small span of 16 months !

Further as per your monthly statement dated 12th May 2008, you have already pre-computerized interest for Rs. 2880/- for entire transactions, then how the figure of Rs.5700.82 has arrived?

Also please clarify that as per your e-mail dated 25/02/09, you have waived an amount of Rs. 350/- + Govt. S/charges @ 12.36, but how it could be confirmed from you ?

Lastly you are requested to clarify all the above points and recalculating the statement and considering all possible waivements, please send me the full statement & balance to pay against your final outstanding, which I wish to pay & close.

In case I do not get your all clarification with-in 7 days of receipt of this letter or e-mail, , I shall advice my Lawyer to lodge complain in the court of law.

YOU ARE ALSO REQUESTED TO LET ME KNOW THE OFFICIAL ADDRESS OF YOUR ORGANIZATION FOR MY DOING THE NEEDFUL.

Thank you

Yours truly

Kalyan Guha
Advocate, Civil Court, Hume Pipe Area, Jamshedpur
Address for communication : Flat 5, Ganga Appt., Niranjan Singh Complex, Dimna Road, Mango, Jamshedpur-831 012.

C.c: Mr Kailash Agarwal, Advocate & APP, Civil Court, Jamshedpur.- for your doing the needful.