Dear Sir / Mam

I have been having HSBC Gold No. ********24782 Card since Feb 2005 , In November 2008 I was offered Rs. 45,200 CASH ON EMI with fairly Decent interest with 1 % service charge which I availed . Rs. 4423 X 12 Installments .
In January I got upgraded from my gold card to platinum card considering my payment record which again had no fee. All the Credits and EMI's were suppose to be transfer d from my gold card to platinum card.
Since first statement of my platinum card has been received in Feb2009 , the entire amount which I had availed from the bank on EMI has been accumulated to Total payment due with a month's deadline.
I have been charged interest + processing fee + all applicable taxes on Rs.45200 for 12 months and now being forced to pay the entire amount back 1 shot .
In spite of persistently calling bank's call centre for for about 4 months now , we have not recieved any satisfactory response or for that matter any revert from the bank.
In may2009 after communicating with customer service I was promised a revert with in 72 hrs as this was an special case to them and the bank was at fault. But 2 months down now , no revert yet.
We have been making payments as per our EMI regularly and ispite of that there is hell lot of additional charges reflecting every month

Now worse is that I have been getting threatening calls from their collection department since last 10 days, Inspite i tried explaining the problem to them their tone is getting worse day by day.

I tried to touch base with the bank again on the progress of our case 18th July 2009 . (1130 ,1205hrs), but phone was banged down after listening to my complaint and had no revert after that.
I would really appreciate if you could help me taking legal action against the bank as they have been harassing me since last five months .

Regards

R.K Luthra
9899183355