Regarding :- Issues in 3 Month Payment Holiday offer?

Question

Dear Sir/Madam, i am using the card from Feb 2011. I Called to bank Net banking on 10/12/15 by afternoon for enquiring the 3 months payment holiday offer(which i used to get every year). Teller told that offer is available for Dec, Jan & Feb and due to flood it has not communicate to me. After getting the approved i swiped for 2, 00, 000/- But when i received the statement on mail and i have been shocked to notice that it has to be paid by this month itself, Regarding this i called by sunday(03/01/16) by 11 pm, teller told that now the server is Down now he cant check. Day before yesterday once again i called to phone banking, they are telling that offer is not available at present & teller has wrongly conveyed the message to me with rough tone, Now my present situation is not being good to pay the full due now, since i will get the money by 15 th march only(which i swiped) So kindly consider this letter and Revised the the payment date to March month because as per your customer care person confirmation only i used the card. Thanking You, Regards, J.Gokulnathan,

Answer 1

Dear Gokul,

At the outset, let me clarify that this site is designed by a group of senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

I cannot comment on the offer as I don't have any knowledge. But  any offer to be authentic has to be in writing. Therefore, unless you have received any written communication from your bank your regarding the offer it cannot be taken to be authentic.

If the Phone Banking executive of the bank indeed committed anything based of which you have acted, you have a legitimate grievance. In this regard, you can write to Nodal Officer of your bank to go through the transcript of the conversation you and the executive had to satisfy about your claim and resolution of the issue raised by you accordingly.  Contact details of Nodal Officer can be found on the bank's website.

 

Regards

 

J R Mohandas