Dear Sir;

I have two credit cards from your bank cards no’s as-5415382401191408 and 5239504201321562 in my name Yogeshwar chand jain .I have used card no5239504201321562 for purchasing of goods for Rs 40000 in December 2009.My both cards had been merged by your bank since 2008, so I have made payment of Rs 40000 by cheque no813637 dated 22-01-2010 in card no 5415382401191408.I have received phone call from your bank for nonpayment and knew for above mistake. I have asked to rectify this error, they told that you will issue 2nd cheque in correct card account and they will refund my Rs 40000.

I have received refund cheque no676740 dated 17-2-2010, after that I have given a cheque no813640 of Rs 40000 dated 20-02-2010 to your representative on same date i.e. 20-02-2010.I have received a statement of account in which a amount of Rs 4843.02 has been shown as interest and penalty for above dealing. You are requested to wave off the charges. I am your customer since 2007 and my dealing is very fair as you can see through my account.

Yogeshwar Chand Jain

1X/2345 GALI NO -12 KAILASH

NAGAR DELHI-31

9810817065