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HSBC gets good business from Technopark. Their employees and agents roam around Technopark and get more business than any other credit card company. But some bitter experiences with HDFC makes one cautious of HSBC and its employees.
This is an incident which involved Mr.Arun, a software engineer working in Technopark. If you are a Credit card holder, please read on. It can happen to you too.
Here is the entire incident in his own words
“I was a credit card holder from HSBC with HSBC card No. XXXXXXXXXX9509, Since they were not giving me bills/ statements on time and added unwanted charges and interest to my card, I went for HSBC card settlement by paying an amount of Rs.7600 in 5 instalments. I paid 3 instalments on time and found only then that my payment was not updated in my HSBC Card account as per their SMS update form HSBC server. So I told the executive that I would be paying the amount at the HSBC Bank, Vellayambalam alone, after discussing the matter with the manager. Unfortunately for the next 6 days I couldn’t go to Trivandrum HSBC.
In the mean time some HSBC executives collected my wife’s home phone number from my mother and called them. They threatened my wife’s family and asked them to pay the amount. I got married only 2 months back, so you can imagine the situation.
In fact my wife’s family and none of the members have any connection with HSBC bank, and I didn’t mention their name or address anywhere in my application or any related HSBC documents. Instead of going for any straight forward action, legal in nature, they continously threatened my family members and even my relatives.
I went to HSBC Vellayambalam today (Saturday, 9 Aug) at 1 am with one of my friends, and as per the executive’s direction I met Mr. Remesh Pillai (Asst. Manager, Collection Department, HSBC). I explained the details to him and he said the normal settlement procedure is that they collect all the cheques and don’t even interact with the customer. Then I asked him why HSBC had called my home and even my wife’s home. His tone changed and he said that I was a defaulter and that’s why they took action. I asked him, ‘Why did you people call and threaten my relatives?’ He explained that I was not reachable at that time and that was their normal procedure; they couldn’t send court notice to all defaulters. He also said that HSBC would be using its own methods to collect its dues.
I told him that if this was their mode of business they wouldn’t be doing any new business in Technopark. And I told them that I would be forwarding complaints to Technopark authorities and also forward email to all employees. (He got angry with this comment). Do whatever you want, he said, and mentioned that he had started his credit card collection career 6 years back, so he knew how to handle things and asked me to get out of his office.
Then I told him, you opened an office for customers to do transactions and get their problems resolved then why do you ask me to get out. Then he and one of his colleague raised their hands suddenly and caught me by my neck. The assistant manger (Remesh Pillai) also pushed me from behind and abused me. They used expletives even in front of lady staff present. They pushed me out of the office to the exit. (If any of your relatives/friends work in the first floor of HSBC Vellayambalam you can enquire about this incident).
You might think that normal business people wouldn’t do such a dastardly act. Even I wonder how anyone could respond like that. I told this story to the Museum police and even they told me that a manager/assistant manager wouldn’t respond like that. On the matter of threats to my relatives, they took this as something casual. The SI said if the credit card payment was not paid they would naturally call my relatives; there is nothing unusual in that. They didn’t even file a complaint, they just wrote the names of the people involved from the letter of complaint I gave him and told me that they would call me after enquiring the matter. In future if someone get a chance to deal with Mr. Remesh Pillai, you will understand my experience.
I am literally down, coz I can’t face my wife’s relatives now. And this is the first time somebody manhandled and abused me. I really request you to maintain a good payment history with HSBC Credit Card. If somebody plans to go for HSBC credit cards let him be aware of such traps.
What I experienced should not happen to anyone else. So Please forward this message to your friends and beware of HSBC traps.
Thanks and regards,
Arun”
Not only HSBC, but all credit card issuers in Trivandrum get 60-80% of their business from Technopark. Look at how they treat us after they get their business? They forget all ethics and manners of doing business. How could the bank manager dare to manhandle a software engineer? It seems software people are helpless souls and there is nobody to stand for them?
Please put your comments and suggestions here…
ys I agree to ramesh pillai…
who is the culprit here?? the person does n’t make the payment and who has given the credit ??
who??
If Hsbc goes with the normal procedure. I dnt think majority will pay the money back… see guys none of the banks can give u money on credit… if u people does n’t pay back..the bank will shut down soon..
understand .. i knw ur situation ..but u could have avoided this sitiation..
DON’T BARK REMESH PILLAI! Recently there was news on TV in Kerala (ASIANET – Kannadi) of a man who took loan from ICICI. After some days he was taken as a ‘guarantee’ for loans by ICICI for people all over India without his knowledge. He could not transfer his loans to another bank since some of the guys for whom ICICI made him as a guarantee just didn’t pay up. The ICICI goondas started harassing him for all the people who defaulted on their loan payment. ICICI is a fraud bank. Never go for it. In fact don’t even look to its direction.
ICICI is just another proof that we Indians are generally dumb, I really don’t understand what is so good about ICICI that it remains crowded. icici is definitely one of the worst private banks now. ICICI stinks. Don’t go for New-Age banks. They are cheats. They are American tactics to screw up customers of their money.
YOUR POST OPENED MY EYES. THERE IS NOT A SINGLE BANK ON WHOM WE CAN KEEP FAITH. YOU DEAL ANYTHING WITH BANK BUT NEVER WITH CREDIT CARDS.
How to Fight Credit Card Companies Who Are Suing You
Being taken to court is nerve-wracking, especially if it is over a debt you do not owe or cannot pay. Whether you dispute owing the debt or its amount, or cannot afford to pay the debt, there are ways to successfully fight a lawsuit. While you should always be honest in court, there are ways force credit-card companies to give up on a suit.
Check the statute of limitations in your state. As soon as you are notified of a lawsuit against you by a credit-card company, find out what the time limits are for filing such a suit and whether the company has met them. All states have statutes of limitation for filing lawsuits, and in many states, the limit is either four or six years after the last payment on the debt. To find the law in your state, either call the court in which your case is filed, or the superior court in your county. The phone number of the court in which your case is filed should be listed on the paperwork you were served with. You can get the phone number for your local superior court by calling your county government. You can also check the National Center for State Courts court listing page in the Resources section.
Occasionally, information on the statute of limitations may be online, but you should call to verify that it is correct and up to date. You do not want to base your court case on incorrect information. FindLaw.com offers some brief information on statutes of limitation in each state, but call to verify the information, and make sure it applies to your case. Not all debt cases have the same statute of limitations. The time limits can depend on the type of debt and the type of contract. It’s best to speak with a court official or attorney who can advise you of the statute of limitations on credit-card debt.
You may also be able to obtain information about the statute of limitations in your state by contacting a nearby legal-aid office. Legal-aid offices usually consist of attorneys and paralegals who assist low-income clients, and often work with the courts to provide basic information to litigants. Visit the FindLaw link in the Resources section for a list of legal-aid offices and resources in each state.
If the time limit has not passed, you cannot argue this point.
It is not uncommon for credit-card companies to ignore the statute of limitations in filing a lawsuit, since if you don’t argue that the time limits have passed, the lawsuit can proceed.
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Step 2
Request verification of the debt. Under federal law, any debt collector, including a credit-card company, is required to verify that you actually owe the debt. The procedure simply involves checking your name, address and Social Security number, or other personal information, against the credit-card application. If, however, the company does not have the information needed to verify the debt, or it turns out that they have the wrong person, you can raise the issue in court.
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Step 3
Prepare and submit a written denial. The rules are different in each state, but you have only a limited amount of time to submit a response to the court. If the deadline passes and you have not submitted a response, the credit-card company is likely to win the case by default. Be honest in your response, but do not make any admissions. Deny any allegations made in the lawsuit that are not true and raise any defenses you have, such as that the lawsuit was filed outside the statute of limitations, that the amount being sought is incorrect, that payments were calculated incorrectly or that you have paid the debt. Have the response notarized and submit it to the court. In some states, there may be a fee for submitting a response. Be sure to pay the fee when submitting your response.
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Step 4
Request evidence and witnesses. Since the credit-card company is bringing the lawsuit, they have a burden to prove that you owe the debt. Ask for proof of the debt, as well as a list of any witnesses they intend to call. Rules vary by state, but generally, the credit-card company is required to provide you with a copy of the evidence they plan to use. This gives you time to review the records they provide to the court and plan your defense.
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Step 5
Review records and information provided by the credit-card company. If the company provides the requested records and documents, review them carefully. Make sure the math is correct, that payments have been calculated correctly and that they are suing for the correct amount. Compare the documents to your bank statements and payment records to see if they match up. Look for any inconsistencies in their case that you can point out in court.
If the company provides only an affidavit, or does not provide any evidence of the debt, use this fact to argue in court that they have not provided evidence of the debt.
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Step 6
Gather evidence. Locate bank records, canceled checks, billing statements and any other documentation you have that iis related to the debt. Make copies and organize them in a way that will make sense when you present them in court. Make notes of any discrepancies between your records and information filed by the credit-card company in the lawsuit. Make the credit-card company prove that their records are correct.
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Step 7
When your case is set for trial, be sure to show up. This may sound silly, but many people simply fail to show up for the trial, and the credit-card company wins by default when they might have otherwise lost the case. Respectfully show the judge your evidence, request to cross-examine witnesses and, while being honest, present your defense.
Request that the case be dismissed either for lack of proper evidence, lack of witnesses, exceeding the statute of limitations or for seeking the improper amount owed. If the attorney for the credit-card company does not show up for the trial, ask that the case be dismissed as well.
They do the some to all their customers. I was also promised by the agent that the card issued will be life time free. However after 1 yr they charged annual fee of Rs 2000. I had to call them up and reverse the charges. Again this year, they charged Rs 2000, but reversed it at the same time, but added another Rs 1000 and taxes in the bill. I had to again call them up and reverse it this time, that too after 2 or 3 long calls, where they force us to listen their advertisement at our expense. Their customer care calls are not free!!!! HSBC is fraud!!!!
To Whom It May Concern:
HSBC is spending billions of dollars on a charm offensive to convince you to bank with it. At airport terminals around the world and in slick magazines, HSBC says they care about what we value and they are “the world’s local bank.”
HSBC Offshore (Jersey) wants you to believe that your personal data is safe and your banking details are confidential with them. . HSBC is selling its customers out. This blog blows the whistle.
The truth is that HSBC spreads misinformation about customer credit risk and then refuses to discuss its allegations by hiding behind HSBC Terms and Conditions. It cuts its customers off without explanation.
HSBC is so big now that they can afford to abuse and lose any single customer for no reason or any reason.
If you are a past or present employee or client of HSBC Jersey please step forward and share what you know.
Truthblow
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