Standard Chartered Bank — Whopping amount of interest charged without notification

Address:

Bangalore, Karnataka

I possessed a credit card from Standard Chartered (SC) in 2006 and made some purchases before moving to USA on my company deputation.

Due to this move, my mobile connection was terminated (after no use in certain period of time); moreover I vacated the rented place which was given as correspondence address in my credit card account. There was some delay (due to this sudden move) in making the payment of amount due on my account as there was no online payment option available at that time but I ensured to made the payment of all the amount for which I made the purchases.

During my communication with bank in Feb-2007 (over email), I found that outstanding dues on my account were Rs 2000+ for which I was asking bank to provide me ways to clear this amount but I didn't receive any email communication from bank after Feb-2007. In 2014, when I tried applying a new credit card, I came to know that bank has posted Rs 95000+ interest on my account and when I requesting several information from bank (e.g. how long the account was kept open before amount was written off and details were provided to CIBIL, why bank didn't send me statements after Feb-2007, etc.) which bank is not able to answer.

This is a miserable situation and it seeks bank is hiding. I have sent several emails but their answer is plain to clear the outstanding dues without giving me information which I am requesting. Can you please suggest me what action I should take now?