This is the certain thing related to my Credit card i want to highlight.

Originally Posted by Unregistered

Dear All,

I Miss Aditti N. Pednekar had applied for the HSBC Credit card long time ago that some where is 2007 through your some agent as he told us that the card is free for life time and he has some targets, but after applying i came to know there are charges for the same so whole of my staff told him not to process the form. I am working for the HDFC Bank, today if i am applying personal loan i came to know same cannot be process as there is default in payment of my credit card Rs 7000/- and after enquiry got from CIBIL got to know its HSBC Credit card in my name, which i never use nor received. Request you to help me on this, if there is any credit card showing active in my name do stop it. I want my name to get out of this CIBIL matter. If i dont have a card why do i PAY?

Please revert as i need the solution on this case i dont want that i should have any problem in future. Hope you will understand and take the necessary action.

Waiting for your favourable reply and hope will get the solution on that.

Regards
Aditti N. Pednekar
aditip2006@yahoo.co.in
9158767744

Hi, my Visa card no ending with 8317 and in the name of santosh.

i have changed my residence,so please send all future correspondence to the below address.

Santosh.
# 226, 2nd main, 2rd cross.
4th Block.HBR Layout.
bangalore-560043.

Hello All,
I am Suresh . I am using HSBC credit card since 4 years. I got the HSBC credit card in office campus thru their executive. when HSBC executive vistited the campus area and approached me about Credit Card that time he assured me that "This HSBC credit card is specially for your company and its a life term free card. There is no annual charge or any hidden charge". In promotion i got one alarm watch also and i did not pay a single rupee to get this card. I enjoyed the card for 2 years and i did not pay any annual membership charge. I was happy with the service and every time i made the payment before DUE date.
In february 2009 when my card got expired and i was not aware of that and never asked HSBC to renew my card or to send me a new card. same month i got the new HSBC card with same number. even i never asked them to renew the card. The new card with same number is having the expiry date of march 2012.

As I shifted to bangalore , I am not using the HSBC credit card from the last 8 months. so I didnt see my credit card bills upto last month. I saw the last month bill with the due amount of Rs. 2000/- . I really surprised and verified the previous months bills. I observerd that they mentioned the membership fee of rs 700 in the month of May and then onwards they imposing peanlty and services charges etc and made the figure Rs.200+. I contacted the customer care people and explained the same to them. They told me to pay the minimum charges of Rs. 450 (approximatly) and then call them back. I did the same and call the customer people today. Now they are telling that my card is free for only 3 yrs. and I need to pay the annual fees in order to continue the credit card services . I dont understand why these people are changing their words after paying the due amount.

I am writing this to inform you how the banks are cheating the people with credit cards.

Respected sir,
I Ashok Harne would like to inform that for last three month i am getting calls on my mobile no 9910864938 fron following nos 01145570500 /0319 /0328 /0320 form punjabi bagh officer and also to my employeer regarding the payment of the same and also on my land line 01132601896 in thretning wording and nonsens laungage to me as well as to my wife and daughter by mr sunil and mr rehan ( mother and sister 's gali) regularely though we did not responded too much and they settled the card and brought to my notice but i did not signed the same and refused to pay now they are pressing me to pay the same amount in more instalmet monthly but as i am not in position to pay the same too. My employer too warn them not to disturb in duty hours but they did not listen to that too.
My humble request to do needful and i am not able to pay more than 8000 in three four instalment monthly as i am not in stable position.
Thanking you in anticipation.
Pl write to me on my residentional address 17/115, gali no 2 thansingh nagar, anand parbat ,new delhi 110005 or my e mail id
ashok.harne4@gmail.com.

dear sir/madam,
this is to inform you that i sachindram roy chowdhury, had applied for credit card of your bank but i have not received it till date and your customer care executive used bad language and deliberately used abusive language against me. the customer care executive's name was khushboo and pooja and call came from number +911132929238,i am deeply hurt by your bank's behaviour kindly take action and deliver my credit card as i have completed all my formalities.

thanking you
sachindram roy chowdhury

Dear Sir / Madam ,

Card No : 4384 5999 8998 0015
Card Holder Name :V.Balasaravanan


Referenece to above , would like change my Contact & Correspondence Address as follow's

B2-88 , Godavari Block ,
Thiyagi Shanmuganagar Apartments ,
Trichy Main Road ,
Singanallur ,
Coimbatore - 641 005
Mob No : 98947 11474

Also , My Company Name changed as " DHL Lemuir Logistics Pvt Ltd " .

Please make the above changes in future Correspondence .

Thanks & Regards

V.Balsaravanan

Dear Sir/Madam, Card No-4384599981113987
My Self Davendra Sharma, (working as a Assitant Manager in a MNC) is reciving a threatning calls from the No. 011-47622784 for the payment of a credit card, which I had never used.
Please note that I had never ever applied for any card to HSBC bank, but suddenly I received a call from above said no. (Name :- Mr. Avinash) and asked for the payment of arround Rs. 100,000.00. I have told same thing to him but he is not able to understand and keepon forcing me to give payment and also use to give threathning with unproffessional and abusing langauge.
Mean while, I have also visited to HSBC bank (Noida Branch) to take ministatement, but he had denied to give the same and said me,:-“we don’t give statement to those whoes card is not in working condition.”
Then, I have requested to Mr. Avinash to give me the detial of shopping, but he has not given me the same. Then I have requested to him to give Mobile No. for which this card has been issued, but again he has not given the same.
Now, I would like to tell you one fact that card has been issued to me in the month of May-2008 at the address (H.no-4047 sec 4C, vasundhra) and with Moser Baer Company. And I have left Moser Baer in the month of Nov-2006 and I have left that place in the mont of Nov-2007.
I have hummble requested to HSBC representative to give me details (like:- a copy of application form, Mobile No, and documents list) to find out the facts as I am also very much interested to know the same beasuse my name is laying into civil case while I am having very clear case history. But no one is giving me any information else Mr. Avinash is using a very wrong & painful langauge to me.
I hummable request you to interfare for the same matter as it is the question of my prestige as I am working at very higher post in my company.

Looking forward for your kind co-operation please.
Best Regards,
Davendra Sharma E-Mail ID :- sharma0dev@gmail.com

I used the credit card in the shop several times but due to some reason their show me the decline.
Without intimation you cant stop me to use the card.

Card no. 447609299096171424

Dear Sir,
I am Parthiv Parikh from Ahmedabad.I was holding ABN AmRO Classic card in the year 2005. I received a phone call from the official that they have updated my classic card to Gold card. I refused that offer. The official explained me that there is nothing to lose in updating the card. Since they get some incentive and commission for updating cards, she asked me to do favour by giving consent for upgrading my "CLASSIC CARD" to "GOLD CARD". After making repeated requests for the same, I finally agreed.

Thereafter, I received a so called Upgraded "GOLD CARD" in place of "CLASSIC CARD" - and ADD ON card in November - December 2005. I also received a charge statement from the bank and to my utmost surprise, the bank charged "UPGRADATION" fee of Rs. 2000/-. I immediately contacted the officials and I have been told that this is the bank policy. I also explained that I have other gold credit cards of other banks which they issued free of cost. U betrayed me. I asked them to reverse the charges. But my efforts have been futiled. Lastly, I vide letter dated 19th December, 2005, I wrote a letter to the Bank for cancellation of the said card and sent them the torn cards.

Now, I am being harassed by the said bank repeatedly for making payment. I have been threatened by the bank officials that they are going to spoil my credit records. I am a professionally qualified person and working with a reputed company at senior level in Ahmedabad.

I want yourgoodslves to intervene in the matter and take strict actions against the said bank.
I can also send you a letter dated 19-12-2005 written by me to the Bank for cancellation of my credit cards.

With Regards,

Parthiv Parikh
9, Vinanti Apartments,
Panchvati 2nd lane, Ambawadi,
Ahmedabad - 380 006

[Dear All,

I Ashutosh Kumar had applied for the HSBC Credit card long time ago that some where is 2007 through your some agent as he told us that the card is free for life time and he has some targets, but after applying i came to know there are charges for the same so whole of my staff told him not to process the form. I am working for An IT company, today if i am applying Home loan i came to know same cannot be process as there is default in payment of my credit card Rs 180000/- and after enquiry got from CIBIL got to know its HSBC Credit card in my name, which i never use nor received. At starting i recived few calls that i have done purchasing but i told them , that i never recived any Card , and i am already not into that location when they mention that they date they have delivered . Request you to help me on this, if there is any credit card showing active in my name do stop it. I want my name to get out of this CIBIL matter. If i dont have a card why do i PAY? Now i recive a legal document after 2 years that i need to pay 180000 ,
what so i do as i need to apply for Hoam loan , please advise .
Ashutosh Kumar
Ashutoshaws@gmail.com



Waiting for your favourable reply and hope will get the solution on that.

hi Vikrat

I have same issue , but little different , i recived a notice regading legal notice what to do in this case.
I Ashutosh Kumar had applied for the HSBC Credit card long time ago that some where is 2007 through your some agent as he told us that the card is free for life time and he has some targets, but after applying i came to know there are charges for the same so whole of my staff told him not to process the form. I am working for An IT company, Now i am Planning to apply for Home loan i came to know same cannot be process as there is default in payment of my credit card Rs 180000/- and after enquiry got from CIBIL got to know its HSBC Credit card in my name, which i never use nor received. At starting i recioved few ca;ll that i have done purchasing but i told them , that i never recived any Card , and i am already not into that location when they mention that they date they have delivered the card . Request you to help me on this, if there is any credit card showing active in my name do stop it. I want my name to get out of this CIBIL matter. If i dont have a card why do i PAY?
what so i do as i need to apply for Hoam loan , please advise .
Ashutosh Kumar
Ashutoshaws@gmail.com



Waiting for your favourable reply and hope will get the solution on that.

Dear all,
My name is Sunny Gupta and I applied for credit card nearly 45 days before.My app. no. is356201025910008.All paperwork and verification is done well before 2 weeks.When I called to HSBC customer care then they said your app. is not approved and there is no reasons.Please tell me what to do???

Dear Aditti,

Please visit the RBI guidelines for Credit Card companies at
rbidocs.rbi.org.in/rdocs/notification/PDFs/67415.pdf

It has been explicitely stated as below in the document
--------------------------------------------------------
(ii) Customer confidentiality

b. In case of providing information relating to credit history / repayment record of the
card holder to a credit information company (specifically authorized by RBI), the bank / NBFC
may explicitly bring to the notice of the customer that such information is being provided in
terms of the Credit Information Companies (Regulation) Act, 2005.
c. Before reporting default status of a credit card holder to the Credit Information Bureau
of India Ltd. (CIBIL) or any other credit information Company authorized by RBI, banks /
NBFCs may ensure that they adhere to a procedure, duly approved by their Board, including
issuing of sufficient notice to such card holder about the intention to report him/ her as
defaulter to the Credit Information Company. The procedure should also cover the notice
period for such reporting as also the period within which such report will be withdrawn in the
event the customer settles his dues after having been reported as defaulter. Banks / NBFCs
should be particularly careful in the case of cards where there are pending disputes. The
disclosure/ release of information, particularly about the default, should be made only after
the dispute is settled as far as possible. In all cases, a well laid down procedure should be
transparently followed. These procedures should also be transparently made known as part
of MITCs.
--------------------------------------------------------

It clearly states that without prior informing you, the bank can not inform CIBIL about your credit history.
You can certainly back to HSBC at info@hsbc.co.in poiniting this RULE of RBI which they seem to have not obeyed in your case.

Regards,
Yogesh
Pune

Originally Posted by Unregistered

Dear All,

I Miss Aditti N. Pednekar had applied for the HSBC Credit card long time ago that some where is 2007 through your some agent as he told us that the card is free for life time and he has some targets, but after applying i came to know there are charges for the same so whole of my staff told him not to process the form. I am working for the HDFC Bank, today if i am applying personal loan i came to know same cannot be process as there is default in payment of my credit card Rs 7000/- and after enquiry got from CIBIL got to know its HSBC Credit card in my name, which i never use nor received. Request you to help me on this, if there is any credit card showing active in my name do stop it. I want my name to get out of this CIBIL matter. If i dont have a card why do i PAY?

Waiting for your favourable reply and hope will get the solution on that.

Regards
Aditti N. Pednekar
aditip2006@yahoo.co.in
9158767744

I was holding a HSBC gold credit card i.e XXXX XXXX XXXX 6285 under corporate scheme and card renewal and other charges are not applicable on that card, which expired in 2009 and neither I renewed that card nor I used that card.


Also I haven't got any new card after my card expired. So my card expired no new card has been issued to me and there is no outstanding on my previous card but all of sudden after two years of expiry, from the last 2-3 months HSBC recovery agents are calling me again and again and saying that there is an outstanding of around Rs. 9000 on your card.

On asking about the details of this bill they are saying the you haven't used that card but card has expired and you have to close that credit card account. And now there is an outstanding of 9K.

But not able to understand for what they are charging me and that too on an expired card also when card is expired and i haven't used the card and there is no usage from my side then how my outstanding bill is Rs. 9K?

Also Card is expired almost 2 yr back but there is no communication from banks end about this and all of sudden agents started calling me asking for Rs 9K. From last 2 yrs bank haven't made any communication i.e no email communication, no phone communication, no outstanding SMS but now they are ask for Rs. 9000.

I am asking for the bill from calling agents then they are saying there is no bill but you have to pay Rs. 9K.

Please suggest what to do in this.
Kind Regards,
Narender Rauthan