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Complaint Details
Pending

HSBC Bank

Posted byRajesh  
Organization / Product Details
Organization Name
HSBC Bank
Organization e-Mailinfo@hsbc.in 
Product/Service DescriptionHSBC Credit Card Cash on EMI
Warranty StatusUnder Warranty.
Complaint Details
Reason for ComplaintCustomer Service 
Complaint Rating1(in a scale of 1 to 10)
Name of the Company Employee 
Complaint Details

I opted for HSBC - Cash on EMI offer which allows the card holder to recieve cash upto the available credit limit on the card. The Intrest rate is not very high and since I needed money I opted for it. My offer was cleared on 5th November before which I got a confirmation call on 3rd November 2007. I was told that I would be getting a DD to my mailing address. I waited eagarly for the DD but it never came (till date (29th Nov 2007!).

meanwhile I complained HSBC 4 times but never got proper response. They always raise a complaint which never gets solved. And now I am asked to pay the 1st EMI by 5th Dec 2007. I complained them saying that I didnt get the DD and hence wouldnt pay it. But HSBC insists that I pay the money before due date otherwise I will be penalised.

This is a very fine example of harassement by these private sector banks which first of all charge exorbitant intrest rates despite giving pathetic service.

How can anyone pay if they did not even get the money? Please help me with this issue. Can I approach the consumer court????? 

Solution of your complaint They (HSBC) should deliver the DD as soon as possible and should shift the EMI date by a month as I did not get the DD in the present billing cycle.They shouldnt charge me extra amount because the fault is not mine. 
ActionConsumer Court is the only option I guess! 
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