| Address: Indore, Madhya Pradesh |
Dear Sir ,
I am credit card holder of HSBC bank.
My card milit is Rs.12000.
Bank levied overlimit fee of Rs.500 + service tax of Rs.51.50 statement of period 21 march 2011 to 20 april 2011 when My total outstanding was Rs.12,265/-.
I made cash payment of Rs. 1800 on due date itself. hence amount came under my credit limit that is Rs. 11454 in statement period of 21april 2011 to 20 may 2011.
As my card came under limit, then too HSBC bank levied overlimit fees of Rs.500 + service tax of Rs.51.50.
I was shocked by seeing statement , hence I request you to instruct HSBC bank to reverse overlimit fees of both the statements i,e satement period of 21 march 2011 to 20 april 2011 and statement period of 21 april 2011 to 20 may 2011.
I shall be thankful to you for this.
My card details is mentioned below.
HSBC CARD NO . [protected]
Card Holder name - Prashant Tiwari
Address - F 90 , rajat jayanti complex,kunjan villa,
scheme no. 54,vijay nagar, near kasturi marrigae garden,
Indore 452010, M.P, INDIA
Complaint marked as Resolved They have reversed all the extra charges.
I have received call from bank and after a short discussion they have reversed as I desired.
Thank you so much.
![Hongkong & Shanghai Banking Corporation [HSBC] Logo](/thumb.php?bname=1&src=hsbc-bank.jpeg&wmax=280&hmax=280&quality=90&nocrop=1 "Hongkong & Shanghai Banking Corporation [HSBC] Logo")
HSBC / Credit Card — Operational Error and No Response
I hold an HSBC credit card with a balance of 75000 Rs. I had taken a balance transfer option (to pay my other C.C.) for Rs.60,000 @ 1% which was later revised to 1.25% per month interest rate. I was suppose to make payments every month in equal installments and pay the total off in full. About a week later they offered me another balance transfer option of Rs.7500 which I had accepted and it now totaled to Rs.67,500 that I owed them, to be paid in instalments.Since the time I took this, the statement showed that I need not pay any installment pmt as I have paid in excess already and it was being adjusted. And thus, I had not made any payments for about 6 months. One day they realise that it was their mistake and said that I owed them about Rs.80.000. I explained them that it was their error and that I owed them only Rs.67,500 to be paid in installments @ 1.25% pm that they promised and also that I maintain a good credit history with all my credit cards and I dont want this mistake of their's ruin my credit rating as I was planning for a home loan in the future.
They promised me that they would take care of the mistake personally and reinstate the card, the way it was suppose to be and also that it would not affect my credit rating/payment pattern maintained usually by CIBIL(credit bureau) and that I could start making the payments afresh. In the mean while I was getting annoying calls from the collections department and they forced me to make the min payment of around Rs.2115 and Rs.383 respectively which I paid on protest.
In spite of making constant phone calls to their customer service(recorded line), they have not done what was required till date and my used balance still shows about Rs.74,900. with a break up which is not easily understood and which is very confusing(print file attached).
Kindly help me as I dont want this mistake of their's to affect me in any way. Also guide me if there is any other place I need to log a complaint at as they donot seem to be following the Banking Codes and Standards Board of India (BCSBI) that they claim to be following.