State Bank of India — Wrong Billing and harassment

Dear Sir,

I was using SBI Credit Card for 2-3 years between[protected]. I used to make all the due payments on due date without fail. However, in one of the months, I did not receive any bill from them and accordingly I did not make any payment. Next month I received the bill in which they charged me extra Rs. 300/- for non payment of bill in earlier month. I paid the bill for that month except for the amount of Rs. 300/- and wrote to them promptly that they had wrongly charged me extra Rs. 300/- for no fault of me. It was their duty to send me the bill and I had never defaulted in my payment obligations in any of the earlier months. However, they did not respond.

Thereafter, every month they kept on charging me Delayed Payment Interest since I was making all the payments due except for the delayed payment interest they were charging in the bill. I kept on writing to them that I do not agree to such charged levied in the bill but there was no response. Incidently, they have their office only at Delhi and they only give their Post Box no. for all correspondence.

Exhausted, I finally sent them notice under certificate of posting as no regd notice can be sent on post box address. Thereafter, they replied that I would have to pay all the charges which I refused and wrote to them that I was surrendering the card. I promtly stopped using the card thereafter but before that I paid all my dues except for the penal charges they had levied. I again wrote to them thereafter several times but they persisted on following me up for recovery rather than replying to my querries.

Now they are after me and harrassing me day in and day out through their recovery agents and by calling me on my telephone and mobile. In spite
of my repeadedly informing them that I had all the requisite and legally and morally justified dues, they are still persisting with their threats and are asking me to pay or face dire consequences.

Incidently, I have my housing loan a/c with one of the branches of SBI since 2000. The branch has lost all my original documents and is now skirting all responsibility in this regard and instead pressurring me to bring certified copies of the documents from sub registrars office and execute a regd mortgage. All my monthly payments are up to date.

Kindly advise me as to what remedy is available to me. Thanking you,

yours' faithfully,

gokul rathi
11, savitri apartments, abhinav lane, erandawane, law college road, pune - 411004
ph[protected]/ 25443766

mail - [protected]@yahoo.co.in