Hi,

As per ICICI Credit card statement for the period January 18-February 18, 2008, my total amount due is Rs. 18,948.39. and it's due date was March 10, 2008.

I deposited the cheque from HDFC bank account amounting Rs. 18948.39 on February 29, 2008.

Now, in the current month statement for the period February 18, 2008 to March 18, 2008. it shows

Feb 29, 2008 Cheque payment received, Thank you
Mar 5, 2008 Cheque Return
Mar 12, 2008 Late Payment Fee (Rs. 350)
Mar 17, 2008 Service Tax (Rs. 43.26)
Mar 18, 2008 Interest Charges (Rs. 1006.31)
Mar 18, 2008 Service Tax (Rs. 124.38)

As per HDFC bank, that cheque has never been presented to them.

As per ICICI bank, the cheque should be favoring "ICICI Bank Ltd" (that's why not presented) but as clearly mentioned on the Statement and as per previous month payment (through cheque of HDFC only) it should be favoring "ICICI Bank Credit Card No. __________". Now, the executive is saying as
last month was your first payment, we have accepted the cheque and the payment was done. But this time, we have not accepted as it was not Favoring "ICICI Bank Ltd". and asking to stop the payment of this cheque (throgh HDFC) and then draw a new cheque for this payment and we can only remove Late payment fee and cannot remove Interest charges at all.

When i asked where is that cheque at present, then, she says i lodge your request to deliver the cheque at your address. I said i don't want that cheque. i want that to be paid against my outstanding. But i am not sure whether she has raised such request or not.
Please advise.....what to do next?

Thanks & regards,
Upender