Hongkong & Shanghai Banking Corporation [HSBC] Complaints & Reviews

I m having HSBC Gold Credit Card but from lat 15 days, I m not able to use my card . When I had tried to spoke with Customer Care then I got very worst response. A
ll were put me on hold up to 30-45 minutes and then phone was disconnected. Finally on 1st Dec08 I got feedback from one of CC exc. Miss Namita that my card has been blocked temporary w/h my information. Same day she was confirmed that she will put request to concern dept. and my card will re-open after 30 minutes. but when I was try to use my card today and found that again my card has not been re-open till now.
When I called CC exc. then found that will re-open after 23 Dec08 but none of them having information why it is not open. She also Deny that no confirmation has been given by Miss. Namita that day & put me hold 40 minutes after that she said, I have to wait for up to 23 Dec then only my card will open.

Now they replied that since I had released payment through out station cheque just bcause of they blocked my card which is a funny joke.

Dear Sir,
4 months before I received one call from HSBC. That person told about the new tieup with TATA AIG insurance and its benifit. I heard about that and I refuse to have that policy. But that person convienced me to hear more details about this policy and he redirected the call to TATA AIG person, They tried to convience me. Then I said, Send me the details about the policy, If I am agree with that policy, then only I can purchase the policy. They said only 99 Rs will be debited on your account if you dont agree the policy.
By that that time, I was out of station. When I got the details about the policy at my office, I got surprised that they have sent the actual policy having around 30, 000 Rs value and the same month, I received the statment from HSBC for 30, 000 Rs debited on my account. That to converted it into 12 installments.

I made calls to TATA AIG and HSBC. they are saying we will look over it. But till date, there is no response, instead they are keep on calling to pay the amount.

If I call TATA AIG they are asking to contact HSBC vise versa.

Dear Sir / Mam,
I have a HSBC credit card.Ma card number is [protected].Myself Sapanraj Sen.
when his executive gve me this card.She said me that their is no charge.This is life time free card.After that whn i gt ur first statment i found that their is a amount dr. in my credit card.i called HSBC custmor care and i said him that i dn't want to continue this life insurance.He/she said me okie sir dn't pay this amount we will waiver this amount and cancel ur insurance policy.after that next statment i gt again this charges with late payment fee and intrest.Again i called HSBC CCR again that response.After a month again i gt this payment with late fee.Again i called and again same reponse.Now i haven't that much time that i come a surender that card and called u again n again n again.This is the reason that i m nt using HSBC card.I m fed up with HSBC services and all.now u say what should i done.


Hope u will gve me a proper ans.


Thanking You

Regards
Sapanraj Sen
[protected] - [protected]

Team,

I am Airtel user since 2006, I am using Prepaid airtel service . My contact no. is [protected].

I had accessed Yahoo on my cell in the month of june only, but Airtel has charging me for the same in every month.

For the monthe of NOV charges Airtel have sent me SMS and end of the message they have mentioned if you want to desubscribe, kindly click on http://203.199.114.183/yzu.I have done the same through my cell and mesage is displaying "page not found."

Every month Airtel is deducting Rs. 10 for Yahoo zone, which is i am not using.

Kindly take required action and stop deducting such charges.

We expect better service from Airtel and hope you will give priority to customer's complaints.

Revert on urgent basis and confirm the same.


Warm Regards,
Priya Barve.
[protected].

MERE PAAS HSBC BANK KA CREDIT CARD HAI CARD NO [protected] HAI MAINE FEBRUARY MAI 80000 RS KI SHOPPING ki thi jiski payment maine kar di thi or na to mujhe iska bill time per recive hota hai or na hi agar mai call kar ke kahu to jab bhi mujhe bill nahi milta hai maine 80000 rs ki payment kar di thi or unhe ye payment unko 2 days late recv hui or maine chq kafi din pahele daal diya tha or unko late recv hua tha ab unhone latepayment laga laga kar mera 10000 rs ka bana diya hai or mera koi outstanding nahi hai plz meri problem solve kara do or mere se who 250 rs gali de kar phone aate the mere ghar se jabardasti le gaye plz mere 250 re bhi refund kara do plz help mai hsbc bank card se kafi pareshan hu
viney verma
[protected]

I have been using my HSBC Gold card for more than 4 years now without any problems. there is a Skypak drop-box close to my office and this where I have been dropping my cheques. I dropped my payment cheque on 15-Nov-2008 which was well before the due date but for some reason the cheque (it seems) never reached HSBC. "After" the due date they call me up and state that the payment is not received. I agree to issue a stop-payment on my first cheque and drop a second. This was on 30-Nov-2008 .Common sense would tell anyone that it takes atleast 2-3 days for it to be cleared. Since 31=0th until yesterday night, I have been receiving not less than 50-60 "missed calls" every day at all times from HSBC, Chennai. The calls are never completed. "I" call back asking what this was about and I repeat the whole story. The same process repeats with me calling HSBC back every day and stating the same things all over again. Receiving unsolicited calls is one thing; getting 50-60 "missed" calls from a comapny of the clout of HSBC was rather surprising and shocking. And the best was this... each and every time I called up, they already have all the information I had already told them...
I hope HSBC takes cognizance of this.

Hi...I am Manoj. This is regarding my HSBC Credit Card '[protected]' and I just got to know in last month that there is some written off against the HSBC Credit Card in my name.

Last year in 2007 I was there outside of India for three months and there was some amount due against my HSBC credit card. I paid all the due amount which I knew of Rs. 17000/- through check no 213929 but they have written off in Cibil without acknowledging me even I had not done any settlement with HSBC.

Last month I applied for a personal loan then I got to know that there is some written off against my name in 2007 and they did not approve my loan. I called up HSBC customer care and Collection Dept many times but they are not providing me the actual reason and not agreeing to help me on that.

I just want that written off should be removed from Cibil so that I can apply for loan if HSBC think something is due on me then let me know I will pay that.

I am really in trouble, could you please help me on that so that I can apply for a loan.

I emailed to Cibil to get the details. They provided the details as below.
“Account type: CREDIT CARD
Account Status: WRITTEN OFF
Amount Overdue: NIL
Reported by: HSBC
Account Information: [protected]
Date Reported:[protected]”

Please help.

Thanks,
Manoj Kumar

Please see my complaint lodge to HSBC NODAL Officer, CIBIL, Media People, RBI...

Can anyone tell me what are the other ways to circulate this mail to other authorities, can anyone give me the suggestion how to proceed with next steps...

I have the attachement also with proofs and other stuffs..

-----Complaint Starts Here[protected]
Dear Sir / Madam,

When I was in bangalore in the year 2005 and the credit card was issued in Bangalore itself from HSBC branch . I have done some purchases in 2005 only. The Collection Agency chased me like anything for getting the payment to the credit card. If you see the statement which is of

Total Purchases of 28551.49/-
Total Reversal Amount was 7070.55/-
Final Purchase comes to 21480.94/-

Where in totality

I have paid the amount 26300/-

Which is extra than Final Purchase.

Now your Bank HSBC has made me Blacklisted in CIBIL and telling me in the mail to pay the outstanding amount to
around 49000/- including charges.

You also said me on the phone via agency that if I again pay the settlement amount from the principal which is 16000, again HSBC won't be removing my name from the CIBIL. Now tell me why the Principal Amount is Outstanding?
As i have paid to this credit earlier more than 5000/-

I am trying from the different banks for getting the car loan / home loan, but it is always getting rejected. I am really helpless now and you are not listening me at all. Just Playing the game. Do you know how much i am in trauma. Please do also consider my last e-mail to you, as this type of behaviour from your bank may result in Committing Suicide of myself and all the HSBC will be responsibile for brearing the loss of someones life. I am so much in the trauma / depression that I am not getting any credit from any bank due to Blacklisted in my name. All of my paper work is ok and purchase power is good and in last all banks say me that my application is rejected due to problem in CIBIL.

Please remember I won't be paying any charges amount which is clubbing to in HSBC closed credit card [protected], as you never ever intimated me or followed up with me to get the amount settled, you and your collection team are just watching and waiting to get this amount clubbed, you are just making the money from wrong types of protocol followed up.

MY Name: Vineet Nangia
Credit Card Issue of HSBC: [protected]
PAN CARD: ADKPN8328H
Date of Birth: 17-OCT-1980
Fathers Name: Anand Sarup Nangia
Contact Detail: 0091-[protected]

I have also attached the HSBC scanned payment receipts and Last mails followed up HSBC in 2008/2007 on yearly basis from ME, only followed up to me in last year NOV-2007 from KIRAN (followed up mail attached and from HSBC Info).

Note: I am in New Delhi, not in Bangalore

-Vineet
0091-[protected]

-----Complaint Ends Here[protected]

Dear All,

Thanks for logging complaits against HSBC+TATA AIG they don't visit to person and explain policy on phone and forcefully sell the policy to customers and while I am trying to cancle the policy they are deducting the amount 800 please help me to resolve this issue the HSBC lady didn't told me that they will deduct the amount. please help

Sir,
I K.Dhanaraju a HSBC CARD Holder (VISA) since OCT 1997 (Credit limit 20000Rs), my credit has been increased to 25000Rs july 2002, again inmar2004 to 29000Rs, again in April 2005 t0 35000Rs and then 42000Rs and finally in[protected]Rs (Upto Nov 2008) .Now as of today 29-11-08 is 16000Rs, there is no letter from credit card services oly SMS informing Credit limit has been revised .
So Kindly look in this matter as this is festive season and Iam not default coustomer and I aqm paying every month more than 12000Rs
Take this as urgent as i am not able to use this card as i have out standing balance is 15800Rs
Thankinb you
K.Dhanaraju

I have been continuously receiving calls from your call centre for making payments toward my HSBC gold card. I have not mad the payment for the last due as on 11th sep 2008, I would just like to bring to your notice that why have I not made the payment. I have a credit card of HSBC bank on which I have given a request for balance transfer facility for an amount of 22617/- on 6th of Feb. 2008, later on it was informed to me on 15th Feb. 08 from phone banking that BT request has been disapproved because of some error in my CITI card. I agreed to that & got the error's rectified in CITI bank & again applied for a BT of 25000.00 on 17th Feb. 08 which was approved & I received the DD for an amount of 25000.00 for my CITI card, later on I received a balance transfer on 11th April 08 (DD dated 4th April 08) for an amount of 22617/- which was cancelled as per the phone banking. I called up the phone banking on 12th to know that why the DD has been sent, to my surprise it was told to me that your old request was later on processed for which I didn't repeated the request as it was cancelled. The phone banking people asked me to send the DD along with a letter to any of the branch for the cancellation of the same. I did the same & got the DD submitted to the CP branch in Delhi. On enquiring on 20th march I came to know that the DD has not been cancelled I asked the reason phone banking people said that you have to give an indemnity for cancellation as the DD was lost in transit by the bank. I said that is not my fault but then also I will give the indemnity. I went to the Punjabi bagh branch in Delhi on 2nd April where I came to know that the indemnity has to be given in a 200rs stamp paper. I called up the phone banking to know why I should pay the charges for the error which has been made by the phone banking people. They said sorry for the error from their side, in lieu they will credit 5000 bonus points to my a/c. I agreed to pay the stamp charges & get the DD cancelled. I again called up the phone banking on 6th April to know the status weather the DD has been cancelled or not, it was not cancelled, I asked about the bonus point it was also not credited, I asked about why it has not yet happened, they said there is some delay they will credit the amount to the card as soon as possible, also said that the 5000 points would not be possible to credit as that is too much I said that why then it was confirmed to me that this would be possible. I talked to the manager on the floor she said that she can credit 1000 points & get the DD cancelled in another 3-4 working days again I agreed to their saying. I again called them on 17th April to check the status weather the same has been cancelled or not, again the same delay & they said they will call me in 3-4 working days after the DD is cancelled, I said o.k. I did receive a call back on 29th April saying that the DD has been credited to the CITI card on 17th of March. I checked with CITI it was not credited. I again called up the HSBC on 30th April to tell the status that the DD has not been credited in the CITI card, to my surprise Mr. Gaurav who gave me a call back on 29th April said we will send the letter saying that the same has been credited to my CITI card I said ok send the letter. So far I have not received the letter or the amount back into my card or the bonus points, it has been more than 7months no revert, and now I am regularly receiving calls from your collection department to make the payment, you tell me why I should make the payment. When these collection agents call me, I always inform about the problem, every time they say they will get back to me but I haven’t heard any one calling me. I have also forwarded a complaint with ombudsman for a compensation of Rs 10 lakhs, for your reference my complaint no[protected]. I have also written mails to [protected]@hsbc.co.in, [protected]@enterprise.in, Rajneesh bahl, but I have not received any revert. I don’t have any hopes from HSBC but I have some hopes still left from banking Ombudsman. May be this will open your eyes & probably something can be done on this.
After all these Ombudsman has sorted out the problem, by getting the refund of the service charges & the amount of 22617/-, but I am looking for the compensation as I have been harassed by the HSBC for a long time.
I have been traumatized by the calls from HSBC, I have lost my job because of the problem, I have received many threats to make deposits from HSBC. Letters have been sent to me to make calls. Interests have been charged, I have been made to feel that i am guilty for what I have not done, request you to kindly look into the matter.

Sir,
i have paid the total due of my credit card no[protected] vide cheque no-546217 dt-17 march, 2007 in full and final settlement of their account and never used the card after that. I am astonished at the callous behavior of the bank in updating my account that despite my repeated requests, i have been receiving the escalated bills and above all the letters from their subsequent lawyers to pay the amount. I being a working lady am unable to follow the case and want them to upgrade the account information falling which i will be left with no other option except approaching the court of law for filing a defamation/harrasement suit against them. It is quite clear beyond doubts that these bankers have been working with bunch of dropouts from different management/financial institutes under indian atmosphere without taking care of customers rights. Had it been a case in their respective countries they would have been sued for millions of dollors which in fact they should have been by now.
I would once again request the concerned authorities to take preventive measures so as to avoid any furthur hassles in settling the accounts and make life miserable for a law abiding citizen of india.

Dr. Kanchan kapur
dwarka, new delhi.

Hi,

I hold a home loan in HSBC, have been paying some amount as EMI everymonth. Six months back, i made a prepayment of Rs.1, 00, 000 and the customer service personnel said, there will not be any change in the monthly EMI, but the number of tenure only would reduce, which is fine, i said. I was paying the same EMI to the collection executive for last 6 months, suddenly when i checked my account, was surprised to see they are deducting only half the amount of my EMI against loan payment, which means EMI has been reduced but number of months remains the same..!!! Is this the usual practice of every bank? Can someone please enlighten??

The General Manager HSBC BANK DELHI
Dear sir,
I have paid my total out standing of credit card as per your letter for Rs. 9000/- But Why the same has been flash in cibil site.
I am facing so many problems to obtain bank loan from banks.
Iwould request your goodself kindly eleminate my name from cibil info site . I need your kind co-operation in this regard and oblige.
Thanks
Best Regards
TARA SANKAR BANERJEE
email: [protected]@yahoo.co.in

I am Sohom Mahapatra, from Gurgaon, India. While receiving a phone call from HSBC representative in the month of January 2008 and had approached to hold a credit card, she had committed me that this is LIFE TIME FREE CARD, only this kind of facilities they do provide to corporate personnel. I was impressed and had agreed upon. On February 21st, 2008. I had received one envelop and found my credit card along with one extra Ad-on card in the name of my mother too at my office address. While first time discussing with them, I had never approached them for extra Ad-on card and accordingly they had committed to provide my card, but they had sent two cards !!! Since those are life time free cards, I thought I would utilize them some other time.

The most important part is still I have not taken those cards out of the cover letter, sent by HSBC (normally they are pasted on bottom of the cover letter). Suddenly in the month of August (Dtd. 21/08/2008), directly without any statement or phone call, I got a Warning Letter from HSBC that Rs. 3, 521.17 are balance to pay on my credit card. If I fail to pay those amounts, they would complain my name in RBI Defaulter Register, resulting which I would not be able to avail any financial support from any Indian Financial Institution. I was shocked !!! Without using any card and without receiving any statement how HSBC can send such kind of stupid letter ? What HSBC wants from common people ???

I had never used my cards, neither I have opened it out from the letter - How I would got charged Rs. 3, 521.17 ? This was completely life time free card. Even I had tried to contact the given phone number on the warning letter, I had failed, because no one is picking up the telephone. I tried to contact their customer service department more than 100 times, I had failed to contact due to their typical telephone system. Fortunately I could contact them on September 29, 2008, one customer service executive had advised me to contact their third party agent on phone number +[protected], on an average everyday I use to call on this number, thinking in line that this time some body will pick up my phone, but every time I failed. They have no data-base at all !!! Why their top management is not closing these issues ??? This will help them to rise their business and people will have a good faith on HSBC.

Where we should go for justice ? Such a big financial institution in the world, they are having huge lac of communications, by which they can make a defaulter easily to a good citizen. This made me frustrated.

If you can help me out, I shall be thankful to you.

Regards,
Sohom Mahapatra
+91 [protected]

My HSBC card number was [protected], The a/c was closed due to one Insurance dispute. I never had shown my interest for TATA AIG Insurance, without my knowledge they had sent it to me. As per HSBC's covering letter, if for any queries, I should contact with TATA-AIG directly. I had sent queries, unfortunately no reply. HSBC started putting EMI on my statement. I had never got monthly statement in time, for this I had done several request over telephone and over mails, no action had initiated. For normal usage of the card, I had paid the whole amount.

I had tried to contact their customer services, experienced a very uncomfortable facilities over there.
Recently I had a talk with their two representatives in their Mumbai Office ([protected]-Automatic diverted to Mumbai), they said they cannot help it out, only I have to contact with HSBC's third party agency, they had provided 4 telephone numbers :

[protected]
[protected]
[protected]
[protected]

While calling the first one, he said that he has stopped doing business with HSBC one year back. Rest 3 numbers are only ringing, no body is picking up the telephone. Strange what data-base HSBC is using !!!

Now I want to resolve this issue, I have sent mails to their customer services also ([protected]@hsbc.co.in).

Request you if anyone helps me out. I want to get out of this unnecessary dispute, I have no faith on any credit cards. Better for those people, who are living in village, they do not require such credit cards, neither they get such huge pain in life...

Lastly I started communicating to mail at [protected]@hsbc.co.in... unfortunately I have been getting reply mails that :

Their reply as follows :

On Nov. 19, 2008
"We acknowledge receipt of your complaint regarding TATA AIG policy and have registered the same under reference no [protected]. Please allow us 4 to 5 working days to investigate the matter conclusively by when a final response would be shared with you."

On Nov. 13, 2008
"We would like to inform you that we have forwarded your message to the respective department under request reference number [protected] and our collection officer will contact you in 3 working days and they will assist you accordingly with your query pertaining to credit card "

On Nov. 12, 2008
"We acknowledge receipt of your complaint and have registered the same under reference no/feedback no:[protected] Please allow us 4 to 5 working days to investigate the matter conclusively by when a final response would be shared with you."

Please advise me.

Regards,
Dibyendu Chowdhury
+91 [protected]


From: Chowdhury, Dibyendu
Sent: Wed, November 12, 2008 8:38 AM
To: '[protected]@hsbc.co.in'
Cc: '[protected]@tata-aig.com'
Subject: Card No. 4384 xxxx xxxx 2464

Please refer to the below mail, I would like to bring to your notice the below fact :

To resolve the below dispute, I had contacted on telephone number[protected], automatically it went to Mumbai office and I had a talk with your customer officer Mr. Rahul & Mr. Rayan twice regarding the below issue. Initially Mr. Rahul had provided a number of Mr. Kamal [protected], after contacting this number they have informed me that one year back they had stopped doing business with you.

After re-contacting with your Mumbai office on the above number, Mr. Rayan had given me following phone numbers and contact persons:

[protected] – Contact Person : Hardeep Sabharwal
[protected] – Contact Person : Gaurav Girdhar
[protected] – Contact Person : Abdul Khan

I had tried to contact them more than 100 times throughout the day, no body had attended the phone call. All the phone numbers were ringing every time.

Yesterday I had a talk with your customer care at Gurgaon, they have also advised me that they cannot help me out, except to contact the above persons. They also advised me to send a mail to them, but unfortunately I do not have any contact e-mails of above persons.

I would request you to resolve this dispute as early as possible.

Regards,
Dibyendu Chowdhury
+91 [protected]
[protected][protected][protected][protected]

From: Chowdhury, Dibyendu
Sent: Tuesday, November 11, 2008 10:47 AM
To: '[protected]@hsbc.co.in'
Cc: '[protected]@tata-aig.com'
Subject: Card No. 4384 xxxx xxxx 2464

I would like to inform you that my card number is [protected]. The a/c was closed due to one Insurance dispute. I had several phone calls and e-mails to the concerned, but I did not get any reply. I had a huge redeemed points in my credit card, it was removed. As per your advise in your letter, dtd. July 06, 2006 (Attached herewith), I had sent a mail with some queries on July 10, 2006 to Tata AIG at [protected]@tata-aig.com, but unfortunately I did not get any reply. The said mail is attached herewith for your ready reference, please.

If you see my earlier credit history for my credit card with your bank, you would realize that my intention was not to stop payment. Your representative had called me, I had advised “please send information, let me go through, then only I shall revert you back”. I had never agreed for such insurance policy, suddenly I had received Insurance certificate from HSBC during 1st week of July 2006. After that I had sent the above attached mail, but I did not get reply.

Please let me know to whom should I contact in this regard, so that this dispute can be resolved at the earliest.

Thanking you in advance for your co-operation in this matter, please.

Regards,
Dibyendu Chowdhury
+91 [protected]

I got a credit card from HSBC, after that i tried paying at a shopping mall, but the card dint work. It said transcation couldnt be processed due to invalid Card.
After that i never used that card.

Now they have generated a bill amounting to 5600/- and they want me to pay the same.
Got a call from their legal deptt saying that the bank is ready to settle it by accepting its fault and paying 50% of that amount.
The question is "Why do i pay for something which i dint use, and over that the mental harassment by these billing statements and inconvenience caused as the CARD did not work when i needed it"

Any idea how can i deal with this situation.
Does consumer forum help in this regard.
please share your views.

Sir I received HSBC credit card statement all of suddenly stating that I have to pay rs 1264.22 after gap of more than one year. for your information I am not using the card for nearly more than year and also I have cleared all dues.please look into this issue and please close my account. Why you people giving trouble to customer. please send acklnowldgment for closing the credit card. My credit card no. [protected] and account no[protected]

As sent to HSBC Credit Cards deptt.:-


Sir,

My credit card no. is [protected].

I took two policies through your card promotional campaign from Tata-AIG namely :-
1. IRHC [protected] - Rahul Kumar, policy taken on 13 Feb 2008.
2. IRHC [protected] - Ranjana Bharti. policy taken on 14 Feb 2008.

I took policies through my HSBC Credit Card with transaction ID:-
1. MCIT-[protected] - FOR RAHUL KUMAR AMOUNT Rs. 6711/- dated 13.2.2008
2. MCIT-[protected] - FOR RAHUL KUMAR amount Rs. 4162/- dated 14.2.2008

I was told that I will receive my policy documents within 15 days, with an option to either continue the policies or cancel them if the policies does not suit my demands, the date would be counted after receiving the documents.

I was also intimated that I will have time of 15 days for either to accept or to deny the policy for which I will not be charged any amount if I cancel them within 15 days of receiving the documents.

I didn't received my policy papers within stipulated time frame and thereafter I enquired with them many times. I was told that my policy got returned when it was sent by DHL courier. Thereafter I requested for cancellation of my above mentioned policies with reference no[protected] dated 2nd April 2008 due to non-receipt of policy papers after many days of deduction of amount from my HSBC Card.

ON 8.4.2008, I received two SMS on my mobile No. [protected] stating that a sum of 25% on each policy has been deducted due to cancellation of policies. I appealed them many times for fraudelently deduction of 25% of policy amount and requested to kindly look into the matter and redeem the charges imposed on me due to cancellation of my policies because of non-receiving of policy documents after a long period and the clause of 25% charge of cancellation mustn't apply in my case since I have not receive the policiy documents till date and hence the above mentioned clause doesn't apply in my case.

My grievances with you is that every month an installment amount of Rs. 335.55 and Rs. 208.10 is deducted as installment of my policy amount which has already been cancelled. I tried to talk to your telecallers many times but they failed to reply satisfactorily. Everytime they told that they will talk to higher authority and revert back to me afterwards which hasn't happen till date. I wanted to know that when the policy has been cancelled :-
(i) Even if 25% amount of policies is still debited, the account may have been closed by date. Else what is the status of the policy account and how much money will I have to pay?
(ii) Why i have not been responded by your side satisfactorily. Either your line gets cuts or no-one replies even if i am put on hold for hours.

YOU are kindly reqested to see into the matter and settle the problem.

Rahul Kumar,
O/o Pr. CCA, CBDT, 9th Floor, LOk Nayak Bhawan, Khan Market, New Delhi 110 003.
Tel : [protected].
I will be highly oblised to you for this.

Thanking you,

Rahul Kumar
Contact No. [protected].
Dated : 7.4.2008.
Policy Nos:-
1. IRHC [protected] - Rahul Kumar, policy taken on 13 Feb 2008.
2. IRHC [protected] - Ranjana Bharti. policy taken on 14 Feb 2008.

Dear Sir/ Madam,

I am holding Credit Card of HSBC bank. My Card No. is [protected]. In the billing statement of last month (October, 2008) I was charged Rs. 1850 against a payment towards BSES on 30th September, 2008. But in actual I made this payment online through my account around 11.00 PM on 30th September and cancelled after half an hour due to some reason (using link "Change/Delete Future Bill Payments" provided on HSBC website). Even though I got confirmation for the cancellation of this payment and there was actually no payment made to BSES, it was charged to my credit card.
This status of non payment to BSES can also be easily checked by assessing the BSES Account online on BSES website (www.bsesdelhi.com). To access this account you can use the consumer reference number (CRN No.) of this account as [protected].
Please look into the matter and revert back this transaction of Rs. 1850 into my account.

Manoj Bansal
Credit Card No. [protected]
Janakpuri,
New Delhi
Mobile:[protected]