HSBC was rated the worst credit card company under last year's survey. I can see the reasons why. It has limited customer service hours. I have called so many times in the afternoons and weekends and I had to wait until the next business day. Anybody who has HSBC credit cards can close them down and try a new company

Dear Sir/Madam,



I am Sandeep Lohchab, I used to carry a HSBC credit card and few days after receipt of Credit Card, I got a call from TATA AIG saying that “TATA AIG-HSBC have made a partnership for general insurance”. That executive start telling me about the plan and start gathering me the information, I told him that I don’t require this kind of policy. Instead of my denying he sent me the policy.



After receipt of the policy, again I called the TATA-AIG that I don’t want this policy. But no action has been taken and when I receipt the statement that policy premium amount was there.



After that I called HSBC and TATA AIG many times. They are saying that you have to give written application for cancellation. Then I told that I have never opted for this policy then why should I apply for cancellation.



But they are always adding that amount to my statement.



Finally I destroyed the card.



But, still I am getting the calls from them regarding the payment.



Please help me what should I do in such situation.



AS I HAVE NEVER GIVE ANY ACCEPTANCE IN WRITTEN THEN WHY THEY ARE CHARGING ME FOR THIS KIND OF POLICY.



Hope for a positive reply me from your end.



With Regards



Sandeep Lohchab