Dear Sir,

I would like to bring a serious flaw (deficiency of services) in the service standard followed by Hong Kong & Shanghai Banking Corporation (HSBC), Mardia Plaza, Ahmedabad.

I had a HSBC saving a/c No. 101-203511-006, which was opened on April 2006 and subsequently requested for a closure in June 2007 (Acknowledgement Receipt is enclosed).

But Inspite of requesting closure of my account, it was kept alive till 03rd December 2008 (i.e. More than 1.5 years) on top of that they started levying charges for not maintaining Average Quarterly Balance (AQB).

When I objected and raised the concern to Nodal Officer of HSBC, I Was asked to give same details 4 times from 4 different officer, as it seems their was no internal connect in the team members of Nodal Officer at HSBC (I have enclosed all these correspondence for your critical review)

After Shear frustration on quality of services offered by Nodal Officer, I escalated the matter to Appellate Authority, but that experience was even worst. Appellate Authority was not even bother to respond to my Register letter and a FAX.

Though my account was closed (after 1.5 Years of Request) I need justice.

Banks like HSBC get rid off their responsibility by saying that it was because of technical error my account could not be closed, However while levying AQB they don’t give it a second thought.

When a customer commit mistake, he/she get penalized monetarily (AQB) or by submitting adverse report on his/her credit standing to CIBIL. But there is no punishment if a Bank commit mistake.