HSBC Credit Card Complaint

**manesh_raina** · 05-20-2010, 07:57 PM

Hi..

My name is Manesh Raina. Before two years, in 2007, my HSBC credit card got expired and during that time I had to go to China for my job. After some time in Mar 2008, I got a call from HSBC Credit Card department that there is an outstanding due on my credit card amounting to 50,000 INR. I told them that I never got the card but they insisted on it. They started harassing my parents, and I finally paid the money and cleared my dues with the bank in May 2008.

But now the problem is that I am trying to get a new credit card and it was rejected. The reason was that my name is in the CIBIL defaulter list. After so much time they have not removed my name from the defaulter list even though I had paid the money for the card which I never got from the bank. I called the HSBC customer care and they gave me one number 080-66432110 and told me to talk to them. After repeated calls no one picks up the call there and I think it is just a fake number given by HSBC customer care people.

Now I just want to know what should I do in order to make my name removed from CIBIL defaulter list even though I had paid the money.

**vishalvig01** · 05-23-2010, 01:01 AM

file a civil suit.

**vishalvig01** · 05-23-2010, 01:20 AM

Hi,

I was holding HDFC Bank Credit card # 4346 xxxx xxxx 3453. I acquired this card in April 2008 and made a Balance transfer to another card. Now, the problem started after I withdrew cash from the credit card. I started paying regularly,however, I lost my job in 2008 july 2008 and I requested the bank to give me some months holiday so that I can find the job and pay the remaining amount.

I started receiving the calls from different people from the bank and the collection agencies for the recovery of the amount soon after I requested bank for a grace period. Finaly, I got the job on November 2008 and the bank arranged a settlement offer with me after much negotiations and harassment by the collection agencies in March 2009. The settlement amount was agreed for Rs. 19900.

My first EMI was due on 7/3/09 which I paid and the rest EMI I paid on time according to the schedule of the settlement plan. Soon after, I again started receiving calls from the collection agencies to pay the full amount, which I had already paid. I called the bank and they told me that my approval of settlement came on 14/3/09, so they will not honour the first EMI and asked me to pay the Rs 1900 extra over and above the 19400 which I paid. I had the approval date of 6/3/09 on my letter.

Also, there was a clerical mistake on the bank's part in totaling the amount, the settlement was agreed on Rs.19900 and the the bank made all the EMI's for the total of Rs 19400 and wrote 19900 on the total column. Now, they started harassing me for the remaining amount and also, started calling my parents home to extort more money from me. I sent letters to grievance cell of the bank and got no reply, i replied every letter they sent, but the bank have not responded, instead the bank sent me a legal letter from the law firm.

Kindly suggest.

I have only one option left with me to file a civil suit against the bank.

Regards,

Vishal

ANIL KUMAR RATHORE · 01-25-2011, 11:20 AM

I have got two cards since 1997
4563 4200 0819 0077 &
5548 3700 0766 5792
u have deducted bonus points fr jan.10 on wards
why
pl credit the same

a k rathore
09911222565