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Author Topic: Credit Card Billed after one year of transaction  (Read 655 times)

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Offline manojkumartn

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Credit Card Billed after one year of transaction
« on: March 09, 2018, 08:51:41 AM »
Hi,

My Axis Bank Credit Card statement reflects a transaction dated 25/02/2018 which I disputed as i had not done such a transaction. As per the Bank response they claim the transaction to have been done on 25/02/2017 and claimed by merchant on 28/02/2017 but due to a technical mistake they had not included this transaction in my statement till now.

Can you please advise me if there is any rule governing the charging of transaction on the statement? Is the Bank allowed to do this after 1 year?

Considering the fact that I do not recollect this transaction and possibility that the transaction may have failed to go through correctly I may have completed payment by some other mode. In this case I would not store the Bill or Transaction decline slip for such a long time. Is the bank liable to provide conclusive evidence that the transaction was succesfull?

Request the legal experts in the forum to please provide your advise

Regards,
Manoj

Offline advbose

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Re: Credit Card Billed after one year of transaction
« Reply #1 on: March 09, 2018, 11:25:47 PM »
there are too many loop holes in law related to online transactions, due to absence of adequate law, either the bank takes advantage or the customer.

Offline advjaibansal

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Re: Credit Card Billed after one year of transaction
« Reply #2 on: March 10, 2018, 03:34:08 AM »
Dear Sir,

Please issue a legal notice and then file a consumer court case if the transaction is for big amount.

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

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