To
The Manager, Debt Management, Consumer Credit Risk
The Hongkong and Shanghai Banking Corporation Limited
Card Products Division,
FORT BRANCH, Mumbai- 400001

Dear Sir,

Reg : My Credit Card No – 4476929995518815

I have received a letter from you dated 1ST JULY2008 threatening me of sending the credit history of my CREDIT CARD.

While censoring you of not sending this type of letter in future, I write to inform you that the amount mentioned by you in your letter has not arisen out of my purchase and non- payment but for the debits of the annual renewal fees charged by you. Please note that at the time of offering the card your marketing team had given me to understand that the card given to me was life time free of charges. However, to my surprise I received a statement from your bank wherein you had charged annual renewal fees. As I have three other Platinum Cards from three other leading banks of the world I was not interested in continuing your card by paying annual fees. Immediately I had communicated my decision to your executives on your phone number 022-4044424 who assured me of doing the needful. During that time I had asked him to incorporate my new address for future communication and that was done by him. Please note that my act of communicating new address proves my good intention and this was done after your charging of the annual renewal fees. Please also note that I have not used your card after this.FROM JUNE2008 I AM NOT USED YOUR CARD BUT I PAY AMOUNT THOSE HAVE PURCHASE I HAVE DETAILS FROM BEGINING SO PLEASE CLOSE ALL DUES AND CLEAR MY ACCOUNTS IF YOUR REPLY IS NOT COMING I AM CONSIDER ALL MY DUES IS CLEAR . DONT SEND ANY LETTER TO ME .

During the last eight months, in spite of my communicating to your executives about my decision of not continuing the card because of the reason mentioned above, I am continuously getting telephone calls and reminders from your office. Please note that this is disturbing and breaking my peace of mind particularly when I didn’t want to continue your card and have not sent any request to renew the same. My conversations with your executives may be available from your voice recorder. Please note because of your continuous harassment over phone and sending of insulting letters, I can take you to consumer forum and also inform RBI. About the credit history mentioned by you please note that my exceptional credit history can be established from the other three cards possessed by me for the last ten years where there is not a single day default.

Please note that if I don’t get an apology letter from your bank along with a fresh statement after reversing of your wrong charges within next 10 days, for the above action of you and your team, I will be constrained to take up the matter to consumer forum marking a copy to one of the leading news paper of our country.

Sincerely,
PAWAR VISHWAS (CELL NO:009746829959)