[Resolved]  ABN AMRO Cardit Card — ABN Amro Harassing for Credit Card Payment - No Usage from my End

My concerns regarding ABN Amro Credit Card No [protected], I was quite surprised that when i applied for personal loan thru Tata Capital , they declined my request stating that my name is in the CIBIL pertaining to the ABN Amro card but i have couple of other credit cards and i have never defaulted in my lifetime.

Just to brief you with the card details, the O/s on my ABN Amro Credit card is only towards the insurance charges which has been charged without any confirmation from my end. ABN Amro does not have any documentation from my end agreeing for the insurance to be activated in my card. As per the RBI guidelines no credit card can levy the charges without my acknowledgement. I had already complained on time and they even responded by reversing the same (Rs 454/- statement date 10/02/2006) assuring that the charges will not be levied hereafter but still after that they have gone on charging every month.

Other charges charged are the card annual fees which I never told ABN Amro to renew. I had already requested to ABN by writing an application for cancellation of the particular card which they never did. I had dropped the application at their Camp, Opp JJ garden road branch. I understand that i would be liable to pay the annual fees if i would have made any purchases in the period of the annual fees been charged but here i have not used the card for the entire period.

I would have understand if there was any default been made against any purchase made by me from the card but this is purely membership fee and insurance charges. I hope this is a genuine case of mis management by the card company due to which my name is reflecting in the cibil wherein I am in desperate need of funds for childs education and I am denied just because there is a O/s of Rs 5000, which i was not aware till Tata Capital intimated me Couple of days before.

Request to please help.