Hello, I had submitted a cheque in time for full balance amount to ICICI. How ever the date was wrongly mentioned to be sometime of 2006, so the bank could not process it. How ever it didn't inform me although I had mentioned phone no on the cheque as well as they have my phone on thie database. After that although I asked them to inform me on writing about the problem and send me the bounced cheque, they don't bother to do so. After that I have not paid either. Now every month they are putting fine on me. Let me know what shoudl I do? I feel they should report to the customer if the cheque bounce back and also they need to return the original cheque to the customer. What do you say?
My case is totally different and the worst among all. My name is J Rumpa.I had applied for HSBC credit card and then received it in the month of Jan. Afetr i received it, i found a wrong name on it. It was on the name of Mr. Rumpa Jha inspite of Miss J Rumpa. I never swiped that card as it held a wrong name. HSBC people called me up for some queries and i asked them to cancel the card. In reply they said they will send some executive to my office and will get it collected there. I was new and had no idea how to cancel it nor i took it seriously. But after almost 6 mnths, on 11th June i receieved a cred card statement of Rs.18, 150/-. I was shocked to see that. I called them up and asked them wht it was.... they asked me to file a dispute. I did that 5 times. but they kept on calling me like crazy. they statrted threatening me, even i told them tht my case is in dispute. Later i had to complaint in RBI. But still it seems very confusing. I m unable to know wht will be done in this case? I have done no wrong, and will never pay them a single penny. Neone there who can help me out with this issue of mine????
Hello Sir. What does a Final Settlement mean in case of a Credit Card? Is the customer still liable to pay money to the bank even after the final settlement? How much does a customer need to pay during the settlement? Please explain with figures!
Hi Harsh, I have an ICICI credit card and used the same for purchases two years back,post which i use to regularly pay the minimum amount however the total expenses of Rs 30,000 remains the same despite paying the minimum amount of rs 2500/- everymonth for 2yrs now I am fed up and have asked for a Settlement. The bank person from JB Nagar branch spoke to me on phone and was willing to close the card at Rs10000 for which i paid Rs 3000/- last month and he said that he will send the settlement letter in 7days post which i should pay the balance. Its almost a month I havent got the letter and another person from the branch calls up and backs-out on the complete settlement issue and is asking me to pay 30000 which I am against. Since I was told Rs 10000 and did as they asked me too. Now my problem is i dont have a written document on this all i have is a scan copy of my cheque in which i have written part payment againt settlement amount of Rs 10000/- Please Advice!
i have a ICICI Card for 5 years now ,recently a strange thing happened to me although i am prompt on my payments i received 3 legal notices stating that i had deposited 3 checks for three months which had bounced.But in my statement it showed 2 checks deposited for the same month payment one had passed(my check) & the other had bounced.I do not have any knowledge about the other checks ,this has happed for 3 months now, i have informed the bank about it but no action has been taken on it ,i would like to know what are my legal rights against this apart from complaining to RBI Ombudsman.
