Quote:
Originally Posted by sidmis  I would suggest you to approach RBI Ombudsman for redressal of your grievance. You can lodge your complain online without going to court. Here's the link to RBI's Ombudsman Scheme. Reserve Bank of India.
Sidmis |
This is by way of amplifying Sidmis's suggestion:
1. As per the Ombudsman scheme a complaint arising out of the operations of credit cards, shall be filed before the Banking Ombudsman within whose territorial jurisdiction the billing address of the card holder is located and not the place where the bank concerned or the credit card processing unit is located.
2. No complaint to the Banking Ombudsman shall lie unless the complainant had, before making a complaint to the Banking Ombudsman, made a written representation to the bank and the bank had rejected the complaint or the complainant had not received any reply within a period of one month after the bank received his representation or the complainant is not satisfied with the reply given to him by the bank.
Therefore as Maneesh has suggested keep your record of Correspondence straight as they will serve as documentary evidences in your case.