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Author Topic: Credit card Annual charges  (Read 786 times)

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Offline Dilipm02

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Credit card Annual charges
« on: May 09, 2016, 05:23:10 AM »
Hi
I would like to file a consumer case against SBI credit card:
They offer me credit card for life time free of any annual charge.
After each year passed they use to send me a statement of annual charges and when i call the company for same, they do the reverse the charges.
The company last settle and reverse all the charges on July 2013.
My card was expired and i did not need to renew this.
The renew my card without my consent and afterwards they did not sent me any statement, messages or any email regarding any charges.
Now i found that they had send the information in cibil regarding non payment of three years of annual charges and also blocked my card.

This has severely affected my loan eligibility:

I would like to file a case against them for:

1) Fradulent charges
2) mental harrasement
3) Renew of card without the consent of consumer
4) Giving no information of charges
5) Dent in my cibil score
6) defamation
7) compensation of Rs. 1000000 asi can not apply for any loan
8) A letter of appology form bank
9) and reversal of charges and sending right information to cibil again.
please aware me what are the legal feasibility of this case.
Thanks
Dilip

Offline riteshmaity

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Re: Credit card Annual charges
« Reply #1 on: May 09, 2016, 06:00:06 AM »
If you can prove that you have not given consent for renewal of card, and the card was renewed without your consent then you have a good case.

You can ask for compensation, but the tune of such compensation should be appropriate for your sufferings.
The forum can direct the bank to send and rectify the cibil score.

Defamation won't be a case here. Neither an apology letter.
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Offline Dilipm02

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Re: Credit card Annual charges
« Reply #2 on: May 09, 2016, 06:38:14 AM »
Thank you for reply.
I can prove for the consent as the card was generated by system.
There is no written or verbal consent from my side
Thanks
Dilip

Offline riteshmaity

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Re: Credit card Annual charges
« Reply #3 on: May 09, 2016, 08:11:02 PM »
Then it seems that you have a very good case.
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Offline Dilipm02

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Re: Credit card Annual charges
« Reply #4 on: May 10, 2016, 02:01:16 AM »
Ritesh Sir
Thank you for your reply.
Would you please share, how i can directly file this case without any Lawers.
The Lawer today ask for the fees of Rs. 550 and plus other expanses for typing and stationery.
Thanks
Dilip

Offline Dilipm02

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Re: Credit card Annual charges
« Reply #5 on: May 10, 2016, 02:02:04 AM »
Sorry the fees of Lawer is Rs. 5500
Thanks

Offline riteshmaity

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Re: Credit card Annual charges
« Reply #6 on: May 10, 2016, 04:59:31 AM »
Please note that there is a charge for every profession and it varies from person to person and also depend on your location.

However, please check your PM and respond if you are interested.
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Offline Dilipm02

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Re: Credit card Annual charges
« Reply #7 on: May 20, 2016, 03:26:26 AM »
I have respect for every profession
Thanks
Dilip

Offline advjaibansal

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Re: Credit card Annual charges
« Reply #8 on: May 20, 2016, 05:37:55 AM »
Dear Mr. Dilip,

Every professional lawyer has different fee. If you consider that the fee is high as per the stake involved in the case. You may also do the case on your own. Its not mandatory to retain a lawyer for conducting the case. Yes, you may face certain technical and legal issues.

Regards,
jai bansal
Advocate, New Delhi
Supreme Court of India
bansal.jai@gmail.com
mobile: 09868566649

 

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