[Resolved]  State Bank of India (Credit Card Division), Mumbai — Reflection of Wrong Outstanding/Legal Letter

Dear Sir/Madam,
I was using State Bank Of India Credit Card for approx. 2 yrs. (2003 to 2005).Since the issue of the card, I had received just six bill statements.Afterwards the bill statements stopped coming.On enquiring through the helpline, I was told that the bill statements were being dispatched every month to my residential address (as reflected in their system).I used to every now and then contact the helpline to get my bill status & then pay accordingly.Since the bill statements were not forthcoming, I wrote SBI a letter stating the same.They wrote to me back, stating that if I required duplicate bills, I need to pay for the same.Since their system showed the dispatch of my bills every month, they would not be able to do anything further.I discontinued the card in 2005.I was told very clearly, that I need to pay Rs. 22, 878=83 as a full & final payment.I along with the SBI official agreed for 6 EMI's, which was duly handed over in the year 2005. I was only then handed receipts for the same, which clearly stated that the total outstanding amount was Rs.22, 878=83, taking into account all my outstandings as per their system.Once all the cheques were cleared, I was calling the SBI officials for a Final settlement letter, but without any success.Years went by, I did not receive any document from SBI.In the month of May, 2008, I received a Lawyer's notice, which asked me to pay up Rs.13, 246=25 as my outstanding amount otherwise they would file a legal case against me in the Court of Law. I had not received any notice letter prior to this, which should have indicated the legal letter being sent to me.When I contacted the SBI officials, they clearly indicated to me that they did not have records regarding my payments made.Their system did not reflect any evidence of my payment details.I was asked to fax my payment details, which I did.On meeting them personally, the SBI official then confirmed that they did have my records, but could not confirm the outstanding reason.Also it looked very clear to me, that they had freshly put in my payment data into their system and then showed me the printout.They were clearly trying to make a compromise to the tune of waiving of 70% of my outstandings.But as I did not have any outstanding amount against my name, I did not agree to their final settlement amount.Imagine after 2005, SBI issuing directly a legal letter in 2008, without any formal notice prior to this.It is shocking that one of the premier institutes of India running their organization this way.
I would like the SBI to resolve this as soon as possible so that such issues do not get dragged for so many years unnecessarily.

Regards,

Dilip Udpa