[Resolved]  State Bank of India — false outstanding balance

Sub: Complain against the outstanding balance at SBI credit card account.

Ref: SBI card a/c no. [protected]
Primary card no.[protected]
Additional card no. [protected]


Dear Sir,
On the basis of my application SBI credit card authority allotted me the above two credit cards (in the 1st. week of April ’06). But I never use these cards as every salesperson in our area claimed extra 2% service charge on MRP. Due to this very reason I informed the credit card authority to cancel my A/c and credit cards. As per their telephonic instruction I also damaged the two cards and dropped it to their drop box within a year of issuance of those cards. After several intimation from my side they respond me by a letter that they had cancelled my cards but my A/c holds an outstanding of Rs. 5585.33 (As per letter MQ[protected] dated 27/9/07) as an insurance policy (Super suraksha policy) was booked in my account. They are claiming that I have given my consent regarding this in a telephonic discussion with their telesales executive, though I could not recall myself of such a telephonic discussion.

In my last letter (dated 06/12/07) I have requested to their authority that if they booked any insurance in my name then send me the papers regarding super suraksha policy in details as I have not get any papers of it. But without sending any letter from their end or papers regarding the policy they are creating a mental pressure upon me by sending only the outstanding statement which is going up day by day by adding interest, fine etc. etc. cumulatively. In the last statement i.e. in the month of Feb’08 it becomes above Rs.7000.00.

I can continue with the super suraksha policy, but they have to send me every detail of the same and the credit card authority must write off the interest, fine etc. which they have added cumulatively over the actual premium during our correspondence. If they are not able to send me the above policy papers in detail then they write off all the outstanding from my account and cancel it.
I, do, therefore request to your forum to look after my problem and help me to reach a reasonable solution such that I can get rid of a yearlong harassment. If you needed I can send all the copy of correspondence made from my end.

Thanking you,

Yours faithfully,
Pradip kumar Bandyopadhyay
B-71/6, KTPP Township
P.O. KTPPT/S, Purba Medinipur(WB)
Pin.721171