Hello,
I own a Standard Chartered Bank Credit card which i wasnt using from oct 2012 - then suddenly in the month of Jan i recieved a SMS saying a transaction for 18 euros is made on your card, i immediately called up the customer care and requested them to stop this transaction, but as usual they said the systems are down and i need to call back, however i blocked my card immediately that very day. But then the following month i received the transaction billed - when i called up the customer care, they told me i will need to file a dispute form :(. I quickly submited the dispute for in both letter and mail to the bank- and the following week i saw the money reversed but on my primary card which i stopped using almost 2 yrs back. Then again in the month of April they charged my current card with interest - when i called them they said the previous reversal was only temporary and i have a balance of 30,000 to pay, when i told them about the dispute form i filled, they didnt have a clue of information, also while i was in the process of explaining all this to the bank i have been getting daily calls from the collection dept . However after a troubling 2 months and numerous customer calls i was able to explain to them that my transactions are under dispute and they need to stop troubling me. And after a lot of request they agreed to send a mail notification that this dispute would be resolved by 10 june -2013, today is 17 june and i havent heard back from the bank, if i walk to their branch they tell me they have no access to credit card records (yeah i agree standard chattered SUCKS !!) ... No that i am not able to get my case resolved, i wanted to move legally, can you please help me with my options here ? can i log a police complain.... also i am worried - that they might just come back after a few days saying we did the analysis and found these were legitimate transactions- my Q is how and where do i prove that the bank is so pathetic that even when a customer calls in and says cancel the card some illegal stuff has happened they allow the transaction to go through...
hence following is what i need help
1) What are my options?
2) Which court deals in such cases. ? and what documents will be needed ?
