Hi I am facing harassments from HSBC Kolkata office. Currently I am in USA for official trip for the next 6 months.
Below are the details:
I am an employee of PwC Kolkata and have a salary account with HSBC. Currently I am in USA on Long Term Assignment.
I had taken a personal loan of Rs 7,00,000/- from HSBC. In the loan agreement there that I can prepay the full amount of loan any day after paying EMI for 6 months which i have already done.
Since past 1 monthI mailed to [email protected] asking for the amount which I need to keep in my salary account to pre pay the loan by 24th March,2014. I did not get any reply from them.
I contacted my relationship manager Mr.Rahul Dev Sarkar who did not respond to me and said Mr. Ankit to contact me. Mr.Ankit messaged me and said he will reply me the amount but in vain, I got no reply. I constantly kept on calling, mailing and messaging them from USA just to foreclose the loan. I even sent a secure message from my internet banking to close the loan. But all in vain as I got no reply from anyone.
On 22nd March,2014 (Saturday), Mr.Ankit made a girl (Labony) call me after I sent atlleast 25 messages to him. Both were in conference call saying that my loan will be closed on Monday because Saturday was half day. Labony verified my details and said the request has been taken whereas I did not get any request number or any mail from them. She said she is not giving me the amount as it will take more time and she checked my account and said the fund is enough to pay the loan.
Till Monday(24th March,2014) I did not get any response from them in spite of sending 15 messages to Mr. Ankit and 8-10 messages to Mr.Rahul. Then I called Mr.Rahul he said that he is telling someone to call me for verification and then a girl called me and asked the same questions which Labony asked me.
So both (Rahul and Ankit) made two girls call me and ask same questions. And both did not mail me or give any request number.
Questions to be asked here:
1) If Saturday’s call was not a verification call then who took my details with Ankit in conference?
2) Why did Ankit commit loan will be closed?
3) After so many mails since the past one month why is HSBC not taking any action to close the loan may be just to take the interest for everyday and harassing me which is not expected from HSBC Bank.
4) If matter had gone to Nodal officer why did not they call me, why I had to call Mr.Rahul again today and how come he made a girl call me and then he said he cannot do anything as matter is with Nodal officer. Then who was the girl?
So now I think I am cheated as I gave all my details to some person claiming to call from HSBC and took all my details.
When I again called Mr.Rahul he said the escalation has gone to Nodal Officer and he cannot do anything.
Is this the answer that I am suppose to get from a relationship manager and the treatment that I am suppose to get paying all my EMi on time and never to default?
I am paying a huge interest everyday and a huge EMI every month so I had already informed them that I am not going to pay a single penny after 24th March,2014 (Monday).
So today midnight India time I am removing all my money from HSBC Account and after this I will not pay a single penny as Interest or EMI.
I have all the mails, messages, call recording as proofs to show what they committed me and as per this mail today I am informing that if HSBC needs the loan amount fro me they have to calculate the amount till 24th March,2014 (Monday) and not a day after it.
If I don’t get any response I will assume my loan has been written off and I don’t need to pay anything further.
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