Need your assistance in solving one of the concerns faced by me.

Gist of Issue-

I have received a Credit card Statement on 09-09-07. Due Date 01-10-07 Payment due ( Rs - 2255.65 ). The above amount was paid in Form of Cheque on 27-09-07 and dropped in Drop Box located at Goregaon East Station.

The Cheque Collection has been delayed hence Cheque got cleared on 05-10-07. Due to the delay Late Payment of Rs 350/- + Interest Rs 409/- other than this Insurance charges of Rs - 105/- Charged to me. totalying to Rs 864 (Rupees Eight Hundered Sixty Four Only) in next statement.

After getting the next Statement i had spoken to Customer Care Division immediately and informed that this was due to the delay from SCB to present the instrument and i have deposited correctly before of 3 working Days of Statement Date.

The same was agreed upon & i was assured regarding the reversal of all charges.Customer care division advice me to pay balance due amount(i.e.Total billed amount Rs.12740 less charges Rs.864) before due date and I have made same payment of Rs. 11,876/- before due date.

As the charges was not reversed as promised hence i again spoke to CSE who had again confirmed the same but his request was not dint processed as promised.

He had informed the SCB that he has been harassed and stop using the Card and requested them to get the same reversed as he is a Premium Customer.

In this process SCB has adjusted the payment towards charges and kept pending due on account of transaction done on card.

I have received a call from Collection in Feb 09 towards making payment of Rs 5100/- After pacifying the issue Collection Team had also agreed that the charges are incorrect shall be reversed however collection agent as usual didn't turned up.

Then Call received from Recovery Dept Senior Official who also assured him regarding reversal and inturn suggested me to speak to Call Center & log complaint for reversal then he will get the same done.

As advised i spoke to the call centre and register a complaint for 100 % Reversal but later when recovery office checked he confirmed the Customer care had again guff up and didn't noted his issue.

Now My name is appeared in CIBIL due to which facing some issue for processing of Home Loan.

Dear Sir,

To sort out such kind of Banking complaints, you will have to send a written complaint to the Head Office of the concerned Bank and wait for the response for near 15 to 20 days. If the Bank fails to provide you any help in that time frame then you can send your written complaint to the RBIs Banking Ombudsman division.