I have a Cr Card with ABN AMRO Bank and the bank has charged me with smart protection charges without my card being active. They are now wanting the payment, How is this possible when the card has not been used even once nor activated can the the charges apply. pls advice. thank you

Dear Sir,

My name is Lanil Sequeira residing in India (Mumbai) and working for ABN AMRO BANK (INDIA).Myself and my 4 colleagues had come for training to Hongkong on December 2nd 2007 and returned to Mumbai on March1st 2008. At the Indian airport one of my colleague was caught by 2 custom officers as he was carrying 8 watches, that he had bought for his family and relatives.The custom officers fined him Indian rupees 1000 and they told him you can carry only 1 watch.My colIeague had no gold or silver items wid him neither he had any electrical appliances.I want to know that as per the INDIAN CUSTOM RULES a person staying abroad for 3 months can bring back only 1 watch with him?if that's the case he cant even get watches for his own family?We 5 of us have come back to Hongkong as our training got extended on March 8 2008 and will be returning on June 7 2008, We don't want to face any kind of difficulty this time when we return to India in June, so could you please give me your feedback on my above querry and i would also want to know what's our limit on cameras and laptops.Sorry for all the trouble.Thank you very much for all your help.

Sir,
Sub: Discrepancies in monthly statement .
Ref: Credit card # 5415-3823-XXXX-8163.
With reference to the above I would like to bring to your notice the multiple discrepancies incorporated in my monthly statement by ABN-AMRO Bank. First of all, I’ve availed a loan of Rs.19,400/- on 23rd May,2006 (Easy Cash # 06143010116) and the EMI was set to Rs.1834/- for a period of 12 months. Every month I’ve been tendering more the Minimum amount due and the afore-mentioned EMI was completed on May 2007. But the subsequent statements (i.e., from June 2007 statemnets), has been reflecting some unknown charges of Rs.7100.87/-. Since June 2007, I've been complaining to ABN-AMRO bank and also sent several reminders but they did not respond to my complaints. Moreover, in the month of September 2007, the Bank has transferred a portion of my credit card outstanding into EasyPay for an amount of Rs.39,033.19 without my consent. I brought the same to the notice of ABN-AMRO, and the charges were reversed on 10/09/2007.
Again in the month of October 2007, the statement was reflecting Rs.7100.87/- towards EasyPay Principal balance . I brought the same to the notice of ABN-AMRO Customer care and the above charges were reversed on 11/10/2007 vide statement dated 08/11/2007.

The following are the summary details of November month statement.
Date Transaction details Balance
Opening Balance Rs.46,326.71
11/10 Easy reversal-Principal Debit Rs. 7,100.87 Dr
11/10 Easy reversal-Principal Credit Rs.7,100.87 Cr
24/10 Payment received Rs. 40,000.00
29/10 Call a Draft Rs. 30,000.00
29/10 Transfer to EasyPay Rs. 30,000.00
08/11 Easy Cash EMI 01/24 Rs. 1,455.00
08/11 Easy Pay Processing Fee Rs. 100.00
Finance Charge- Cash Rs. 413.15
Service tax Rs. 109.77

Total amount Due Rs. 8,404.63

As per my calculation the Total amount Due comes to Rs.8,404.63 whereas the Bank statement is reflecting it as Rs. 15,505.50. Also they have charged Duplicate Statement Fee of Rs.800/- on 09/11/2007 without my consent. I have availed Internet Banking facility from ABN AMRO bank long ago. As a result, I've all copies of past 2 years statement. So the question of Duplicate statement does not arise at all. Now I don’t understand why the bank has charged Duplicate Statement Fee. The ABN-AMRO bank is adopting unfair practices in their business.

I kindly request the concerned authorities to look into the matter and initiate complaint against the bank.

V.Venkat Ram