[Resolved]  Standard Chartered Credit Card — CHEQUE MISSING - EMI STARTED --NO RESPONSE FROM BANK

Standard Chartered Bank/Credit Card — Cheque missing by bank

Dear Sir/Madam

Sub: Problem with STANDARD CHARTERED BANK

Ref: my name is J.KUMARAVEL, CONTACT NUMBER - [protected]

There are issues that I am facing through your bank, due to which it is causing me mentally disturbance. Here I am giving the issues as follows:

1.Credit Card No.[protected]:
Received the 20th May 2008 statement date with due date as 11th June 2008, as soon as receiving the statement, I have dropped the 2 cheques for full payment of Rs.50, 406/-, (1st Cheque No.031669 dated 5th june 2008 for Rs.3, 000/- and 2nd Cheque No.031670 dated 5th june 2008 for Rs.47, 406/-). The date, time and place:-
5th june 2008 at 09.53 PM location at Rajaji Salai, Chenna and the machine id: 318 and Transaction id: 0060 for 1st cheque
5th june 2008 at 09.52 PM location at Rajaji Salai, Chennai and the machine id: 318 and Transaction id: 0059 for 2nd cheque
but the 1st cheque is only cleared on 9th june 2008 in my Bank and still the 2nd cheque is not cleared. Regarding this when i called u r customer care number on 11th june 2008, Miss. Sunitha was the person who picked my call and when i told her all this problem, she told that above Rs.20, 000/- amount cheque are treated as HIGH VALUE CLEARING and it will take 5 working days to clear the cheque, is it true or did she gave me false information because as per my knowledge above one lakh amount cheques are treated as HIGH VALUE CLEARING and that tooo HIGH VALUE CLEARING MEANS CLEARING THE FUNDS WITHIN 24HRS and she even informed me that within 5 working days her banking representative will call me and clear this doubts, but till date 17th June 2008 no one turned up.

Today 17th June 2008 when i called back u r customer care no. one Mr.Gopal picked my call and told me to give the STOP PAYMENT FOR 2nd CHEQUE No.031670 and issue a fresh cheque for the same amount Rs.47, 406/- as the BANK HAVE LOST THE CHEQUE. When i asked that who would bear the STOP PAYMENT CHARGES he clearly told that he or his bank could do nothing on this issue.

This is not the first issue i am facing with u r bank for credit card issue, u can check last month statement date 20th April 2008 their also u r bank have debited for late payment and surcharge interest unwantedly, details are as follows:




1. This are the charges which are debited
2. This is the amount paid which was wholly credited to that a/c
3. This credit amount should have been credited in SPECIAL MERCHANDISING OFFER.

Actually for the past 5 months I pay the full amount in a single cheque and your bank use to credit it to both the account accordingly, but u can see that APRIL MONTH STATEMENT it was not done and it wholly credited to the credit card account and giving the debit charges in the SPECIAL MERCHANDISING OFFER A/C – after seeing this statement I spoke many times with customer care regarding this problem, then only on next month statement “MAY MONTH” your bank credited back the all charges.

2. I am holding your bank OD A/C No.[protected]

In this account I deposited the cheque no.844046, SBI-WEST MAMBALAM, Chennai Branch for Rs.200, 000/- dated on 19th march 2008 through cheque deposit machine id:318, location: Dr.R.K.Salai, chennai, Time:10.52 AM, Transaction No.0011,

When I enquired regarding this cheque clearance after 3 days your bank said that there is no cheque deposited in your bank and told to call me after 2 days. When I called back after 2 days the same excuse of “CHEQUE LOST” is been told by your customer care peoples. In this 5 days the cheque no.776457, amount Rs.95, 000/- which I issued to CITIBANK CREDIT CARDS got dishonored and they charged me the late payment fees + Interest charges + cheque bouncing charges + service charges etc., which comes to Rs.7, 500/- debited in my credit card a/c. so you see that even in your banking account is also creating problems.


So you can see that there are so many issues with STANDARD CHARTERED BANK, I am facing every month and this month I am facing the problem in my credit card account where PAYMENT MADE THR CHEQUE, WHICH IS MISSING BY YOUR BANK. Now tell me what should I do with your bank . See I am clearly indicating that I cannot bear the STOPMENT CHARGES. I don’t want to take this issue legally. So I am requesting your bank to settle the problem within 7 days of the receipt of this email.


Warm Regards,

J.Kumaravel
[protected]

Credit Card — missing cheque

we have dropped a cheque in your drop box, cheque no. 84615 before the due date. the cheque is drawn on Bank of India , rajindra place Branch. We have recieved a SMS that you have not recieved our payment . we have again dropped a second cheque in you drop box. please see that there should not be double payment and kindly arrange to submit the details of the first cheque.

I also wish to encash the reward points in the i mint account please let me know the detailed procedure.

sangeeta/naresh khosla