[Resolved]  Credit Card + Standard Chartered Bank — CHEQUE RETURN FEE

Address:

East Delhi, Delhi

Dear Sir

I am using four top bank's credit card since last 6 years and with them I always experienced good services.
But Statndard Chartered Bank has given me a bad experience Actually I have been offered a Card No [protected] from SCB few months ago in lieu of my Barclays Bank Card.

On 24.12.12 I first time used this card for which on 7.1.13 I got a message for my statement is being generated and due of Rs. 5663/- on 29.1.13

Accordingly on 22.1.13 I dropped the Ch No. 000014 dated 19.1.2013 for Rs. 5663/- of Bank of Baroda for payment of my dues but I got no information from SCB side for even receipt of the cheque till 28.1.2013 even after passing of 7 days than I talked to it's customer care to be sure if they have received the cheque or it is misplaced somewhere but they couldn't confirm me about it.

So on 29.1.13 evening, in precaution of not being late in payments, I made payment of the card dues through net banking from my same account from which I issued the cheque. Now as a result balance in my account got short by cheque value issued earlier.
On next day 30.1.13 I come to know through my net banking of BOB that the cheque is returned unpaid and I have been debited for a Cheque return fee of Rs. 337/- by my bankers.
Now I wrote a mail to SCB informing them all above and for not to debit me for the return fee again by them. But on 8.2.13 I got message for what I didn't expected. SCB has generated next statement for nothing but cheque return fee.

Again I wrote them with all the situation as above and asked if charges are not reversed than close my card services immediately but no result.

Finally I have sent a Ch. No. 000017 Dated 21.2.13 for Rs 561/80 for final payment (dropped in SCB branch on 22.2.13) with a request to cancel my card immediately and send me No dues letter alongwith my previous returned cheque No- 000014.

So using SCB card for Rs 5663/- cost me to pay Rs. 6662/- within month.

Now I request SCB officials that after realization of my final payment, please cancel my card services and send me NOC & the cheque earliest.
Regards
U. S. TIWARI
[protected]