Credit card - Bank's Mistake.
Dev
(Querist) 11 May 2009
This query is : Resolved
Hi
I need some expert help here.
I had a credit card - standard chartered which I was using since last january- 2008. I relocted to new city and was not happy with the services of bank so sent a mail to customer care saying - some incorrect charges in bill and last line saying
"Please take this mail as a closure of services with YOUR bank as I am not liable for any charges to my account."
After that mail I didnt recieve any email statemant nor the hard copy for the card since January 2009. So , I assumed my credit card is closed and I didn’t notice where my card is. This month bank has sent me statement showing abill of 15000 on my card. I talked to customer care that my card is no longer active they are not agreeing to this point and are asking me to pay the amount or I will be a defaulter same will be updated in RBI credit ratings and will not be able to apply for a loan in future.
I don’t want to get involved in any police cases ,fIRs and all. Please advice.
adv. rajeev ( rajoo )
(Expert) 12 May 2009
U have informed regarding the improper service by the bank, but they have not replied to ur mail.
When they have sent a statement inspite of your mail it shows that they have not gone thru., ur mail, some times having the knowledge of the mail purposely these private banks ignore such mails. So u issue a legal notice to the bank for not rendering the proper service, then wait for their reply, and file a consumer case against the bank for not rendering the proper service.
Uma parameswaran
(Expert) 13 May 2009
With the hard copy of the message send a reply to the statment. Take legal steps according to the reply from the Bank.
