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raja_kumar   21 February 2009 at 10:49

Charging disproportionate and multiple penalties for a single transaction

I hold a Barclays credit card.
My credit card statement for the month of January reflected a balance of Rs.180.00 to be repaid on the due date of 22nd January 2009.
I had repaid the above amount on the due dates vide my cheque drawn on ICICI Bank. However, due to some problem in fund transfer between my linked accounts, the cheque got returned due to “Insufficient funds”.
The Barclays credit card alerted me via SMS about the Cheque return and as soon as the SMS was received on 27th January 2009, I had repaid the entire amount due to the credit card thro’ Visa Money Transfer.
Now the Barclays Credit Card had sent me card statement for month of February 2009, charging me a sum of Rs.1235.96 towards penalties. The statement contains no transactions but only penalties towards Cheque return Fee and Late payment Fee as below:

(i) Returned Cheque Fee Rs.500.00
Service Tax at 12.36% Rs.61.80

(ii) Late Payment Fee Rs.600.00
Service Tax at 12 % Rs.74.16

Total Rs.1235.96

I had contacted the customer care service of the Barclays credit card over phone and via e-mail requesting them to waive or withdraw at least the late payment fee since I was a prompt payer of my dues and had never defaulted before. The Barclays credit card had refused to help me and waive or withdraw any of the charges stating that they had levied the charges as per the rules.

I feel frustrated and helpless since I had to pay penalty in excess of seven times of my transacted amount. This is besides the cheque return fee charged by my bankers viz., icici bank.

Can anyone help me in this to proceed further?

What the RBI and the laws of the land can do in this issue?

Shall I pay the card the penalties demanded in part or full (under protest) or stop payment to the card and proceed with arbitration in a legal forum?

Please Help!
Thanks to everyone in Advance!!
Raja_kumar

Pramod Rai   20 February 2009 at 21:32

MAINTAINALIBITY

IN A FIRST APPEAL BEFORE HIGH COURT AN I.A. WAS FILED AND THAT I.A. WAS DISMISSED. QUESTION IS THAT WHAT REMEDY IS FOR PETITIONER, CAN HE FILE AN L.P.A.(LATTER PATENT APPEAL) BEFORE DIVISION BENCH OR NOT, IF YES, IS THERE ANY CASE LAW.

Kamlesh soni   20 February 2009 at 21:17

about atrocity

what is the procedure if someone has file the atrocity in faulty way to my client.my client is innocent but how we proof this he had never spoken word though he will charged atrocity.please give the idea

Arihant AC   20 February 2009 at 19:17

Form 16/16A

Dear Experts

Can any body have Form 16 / 16A in Excel Format for the Accounting year 2007-08, 2008-09 for salary person

Regds,
NAc

Heaven 2011   20 February 2009 at 14:08

Job Reference

Dear Sir,

I am a semi qualified Company Secretary and a Lawer and have been working in a reputed Company in Kolkata. My work area is specially Corporate Law. Apart from this I have also drafted and negotiated other legal agreements.

I want a shift from my present Company. Can any of you give me a reference in any reputed Company or reputed legal firm in Kolkata.
I can mail my C.V to the interested one. Kindly also mail at asishsil@yahoo.com.

Best Regards

Asish Sil, LL.B

ganesh   20 February 2009 at 13:39

PG hostel in Apartment

I am staying in a apartment of 220 flats. One owner has around 60 Flats and he is renting out as PG hostel. Almost 10 bachlors are staying in a Flat. Their nuisance is increased day by day. Water consumption is high.
What could we do to move them out of the apartment or to have a rule to stay six people per flat?

Regards
Ganesh

V V SATYANARAYANA   20 February 2009 at 11:45

anticipatory bail

Sirs,

If a person of sound mind commits suicide in a fit of anger or depression and names 'X' in his suicide note. There is no personal enimity between the two. What action police can take in this case and what recourse 'X' has under the Cr P.C.

Shall be thankful for clarification in the matter.

mahinder kumar   20 February 2009 at 11:24

admission in LLB.

I WISH TO TAKE ADMSN IN LLB AS I M WORKING IN COM. I DONE B.COM, 1994.@39% MARKS. CAN I DO THE SAME WITH MY JOB. ANY PART TIME/NIGHT/CORRPONDCE COLLGE. NEED TO DO LEGAL PRACTICE. MAHINDERBHARTI@YAHOO.CO.IN

Balasubramanian.G   20 February 2009 at 10:05

Problem with my wife, I need leagl advise for divorce

Sir, my wife was threatening that she will commit suicide or will run away from my home. We have one year girl baby. She is very weak and lazy to do household work. Our family is orthodox family. When she fails in her duty she is trying to cover it by a big quarrel and in the end finishing up with the threatens said above. She also attempted once to commit suicide and she also ran away from my home when no one is there. She is also trying to throw my parents out of home by quarrels. My father is aged about 69 and my mom 67 who is also a heart patient. We are all facing very bad time in the family. Presently she ran to her home which is 180 kms away from my home. We are residing in Chennai and her native place is Vaniyambadi, near Vellore, Tamil Nadu. I want to get rid of problems so i need legal advice for divorce.

rk   20 February 2009 at 08:25

execution of decree

pl advise what is meaning of
"execution of decree" is it always required in which condtions it is not required

i have a decree/ order, it doest not ask for execution of decree , does one still need execution of decree ?