Jan 07, 2010 08:03 AM
3982 Views
Recently has an incident with HSBC CC which gives me an example of how banks are cheating all ofs us and how we can fight back. Was usuing HSBC CC from last year.
They gave the CC as "Life Time Free CC". Suddenly on 20th Aug 2008, received a bill of rs 770/ as Annaul Charges, when enquired Customer Service Executive replied as "Bank has decided to cancell the scheme of "Free Lifetime" cards andif you want to use the card, you have to pay the charges. So I cancelled my CC on 24th Aug. 2008 by giving an official cancell request and took request number. Suddenly on 18th Dec got a call from HSBC collection agency stating an outstanding of Rs.2200/-. When enquired at Customer service center, they guided me to collection dept. The person at collection department was not at all listing to my case and told me that "I am liable to pay the charges" After a long and heated discussion, I asked the person to provide the status of the request whic I have given for cancellation. Then he started listing to my case and guided me to write an email to the info@hsbc.com.
I had the same response that I am liable to pay the bill and nobody is ready to give me an update of my request to close the card. Ultimately I have no option but lodge a complaint at RBI Website and provided the complaint no. of RBI to HSBC. Immediately I got a response that HSBC is reverting off all my charges as they have been levied on my card wrongly. After 5 working days, I again followed up the matter and taken the confirmation in writing from HSBC that I do not owe anything to hSBC.
This instance proves that if we fight properly, we can win over the situation where you feels that, you have been cheated by bank.
The URL on which you can loadge a complaint against any bank if you are not satisfied with bank's service is as below:
https://secweb.rbi.org.in/BO/compltindex.htm
Please use the above link and teach banks that consumer are not fools out here.
Thanks
