Hi,

Some three years back(2005) i was approached by Credit card agents of HSBC
Bank who kept on following up with me till i agreed to apply for the
Credit card.During the time of filling the application they had confirmed
that the Card has life time free validity and i need not pay anything.They
had asked me to Fill my name and address and took my signature at 3-4
places.I had duly received the Credit card and password in next one
month.After 6 months i received a call from HSBC Bank that i have due
payment toward Insurance policy accompanied with the Credit card.To which
i clearly told them that i had only applied for the Credit card and not
for any insurance policy then how come the Bank has deducted the money
from my credit card without my signature and asked them to cancel the
policy and refund the money.As per the bank authorities the Card was
accompanied with a insurance policy and their agents had taken my approval
over Phone for duducting the money.For which they have a recorded
conversation.I had clearly stated that i was not inetersted in any
insurance policy whose term and conditions,Premium amount,has not been
disclosed to me and neither i had been approached by the Insurance company
for any policy on which i had signed and authorised the bank to pay the
insurance company any money..Nor did i received any policy till date.So
why shall i pay the money and asked them to cancel the same and refund the
money.For which they assured me that the same will be done.

Again i got a call after 6 months from the bank to return them the money
along with interest rate to which i again refused to pay and asked them to
cancel and block my card so that no money can be further deducted from my
card.I got a confirmation that the card has been blocked.

Then i got transferred to other city and now after 2 years again i get a
call from the bank and recovery agents to return the money along with
interest for 3 years.

I am unnecessarily being harrased for taking a credit card for which i was
reluctant to buy from day 1.Hope you can help me on this.

Credit card no.4476925497960604
Bank HSBC
Policy no. purchased by bank BTM 01000000659 TATA AIG General insurance on
january 2006

Regards

Rishi Tandon