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Here is my story

I was a credit card holder from HSBC with the HSBC card No. XXXXXXXXXX9509, Since they were not giving me any bills/ statement on time and added unwanted charges, interest to my card, I went for HSBC card settlement by paying an amount of Rs.7600 in 5 installment. I have paid 3 installments on time and then only noted 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 will be paying the amount only in the HSBC Bank, Vellayambalam after discussing with the manager. Unfortunately for the next 6 days I couldn’t go to Trivandrum HSBC.

In the mean time some of the HSBC executives collected my wife house’s phone number from my mother and called them. They have threatened them and asked them to pay the amount. My marriage was only 2 months back. So you can imagine the situation.

In fact my wife’s family and any 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 documents with HSBC. Even though instead of going for any actions which is in straight forward nature/in terms of legal, they were continuesly threatening my family members or even my relatives.

I went to HSBC Vellayambalam today (Saturday, 9 Aug) by 1 am with one of my friend, as per the executive’s direction I met Mr. Remesh Pillai (Asst. Manager, Collection Department, HSBC). I explained him all the details, he said the normal settlement procedure is that they will collect all the cheques and not even interact with the customer. Then I asked them why you called to my home and even wife’s house. Then he changed his tone and said that you made a default and that’s why they did that. Me asked, ‘Why you called and threatened my relatives, I got ?’ He said, I was not reachable at that time and that is their normal procedure and we can’t send court notice to all defaulters. And we will be taking our own methods to collect it back.

I raised then and asked if this is the mode of your business you won’t be doing any new business in technopark. And told them that I will be forwarding complaints to Technopark authorities, and will forward mail to all employees. (He got angry with this comment). He asked me to do what ever you want (mentioned he started his credit card collection career around 6 years, so he knows how to handle things) and asked me to get out from his office.

Then I told, you opened an office for the customers to do the transactions and get their problems resolved then why u asked me to get out. Then he and one of his colleague raised suddenly and pushed me on my neck, then the asst manger (Remesh Pillai) also pushed me from my back and abused me. They were using such bad word even in front of some lady staffs. They pushed me till the exit. (If anyone of your relatives/friends working in the first floor of HSBC Vellayambalam, you can enquire the same with them).

You will be thinking that a normal business people won’t do that. Even I am wondering, how can they respond like that. I told this story to Museum police, even they were telling me that a manager/asst. manager won’t respond like that. And about the threatening of my relatives, they took it as a casual thing. The SI said, if the credit card payment not paid they will call your relatives, there is nothing new in that. They didn’t even filed a complaint, they just wrote his name on the compliant which I gave to him, and told me that we will call you after enquiring this. In future if someone get a chance to deal with Mr. Remesh Pillai, you can understand the things.

I am literally down, coz I can’t face my wife’s relatives now. And first time somebody manhandled me, abused me for the same HSBC Credit Card. I really request you to maintain a good payment history with HSBC Credit Card, if somebody plans to go for HSBC card please be aware of such traps.

It should not happen to anyone else, So Please forward this message to your friends to get aware of HSBC traps.

Thanks and regards,

Arun