Sub: Credit card of ABN AMRO No. Card No. 5415 3823 1096 5280

Dear sir,

I have stopped using the ABN AMRO Credit card vide since 22-02-10 and dropped the dismantled credit card in the dropped box by writing a letter, which was also sent to the bank by e.mail on the same day. The reasons for discontinuation of the credit card is due to some irregularities in their billing which will be evident from the following descriptions. But by a letter vide No.00237243861, dt.12.3.10, the bank has refused to accept my surrender of credit card so long the outstanding payment of Rs. 6576.79 is made. But as per the following, it will be evident that their claim is totally fictitious and exaggerate:

Upto the statement of 10-03-2009 there was no discrepancy in the statement, but from the statement dated 10-4-09, the discrepancy started as follows : Royal privilege club fee – Rs.4500/-,Yess fee- Rs. 75/- & Membership fee-Rs. 595/- was imposed without my consent.

In statement date 10-6-09, though the Club fee of Rs.4500.00 with late fee and service charge was withdrawn but the Yess fee and membership fees with proportionate Service Tax including Education cess Rs. 88.60 were not withdrawn. Moreover, a late fee of Rs.650/- has been imposed without any reason. The disputed amount is Rs. 1408.60

In the statement dated 10-11-09, the Finance charge had been imposed as Rs. 936/- on new debit of Rs.26,336/- and new credit of Rs. 950.00, and further a Fin.charge of Rs. 738.55 has been imposed on same amount of Rs. 26,336 shown as new credit in statement dated 10-12-09. The disputed amount is Rs.738.55.

Again in Statement date 10-01-10, a Late fee of Rs. 576.24 has been imposed, though the cheque amounting to Rs. 26,336/- vide No.850742 drawn on SBI dated 28-11-09 was dropped in the drop box well before due date of 30-11-09. The disputed amount is Rs. 576.24

Further in the said statement dated 10-01-10, the Oriental express fee debit has been shown as Rs. 4,499/- without my consent and which has been withdrawn in statement dated 10-02-10 but the corresponding S.T. including E.Cess of Rs. 544.65 has not been withdrawn. The disputed amount is Rs. 544.65.

Again in statement dated 10-02-10, the Late fee of Rs.650/- has been imposed. The disputed amount is Rs. 650.00.

In the statement dated 10-03-10, late fee has further been shown as Rs.650.00 and corresponding Fin.charge of Rs.177/- and S.T.+ E.Cess of Rs.85.22 has been imposed unethically. The disputed amount is Rs.912.22.

The total disputed amount is Rs. 4830.26 moreover, due to their constant chasings time and again over hone, I was bound to pay an amount of Rs. 905/- by cash, beside that I am having 726 reward points in my credit. As per statement 10-03-10 the total outstanding amount has been shown as Rs. 6576.79 and they are pressurising constantly for payment of the amount otherwise the closure of account will be upheld.

Kindly help me to get rid of the trouble.

Thanking you

Yours faithfully,
Asit Kr.Chowdhury