Date : - 14.06.2021 Subject : Request for the Refund of Charges and Interest amount Reference : Credit Card no- [protected] Dear Sir This has reference to my credit card no. -[protected] which had been issued in my name in 2009 . As you are aware that due to the global pandemic of COVID -19 everyone is suffering from the financial crisis and unable to arrange the funds to pay off liabilities specially who have lost their jobs and non- running of businesses from the last one year. I am using the card since 2009 and was paying the dues on time but as I have come to know by seeing all the invoices raised towards my credit card that lot of charges and other penalties charged on my card which is bother able . I have checked all the invoices and found that the late fee overlimit use and other charges charged on the card and I was using paying all the outstanding charged on the invoices/card. I was busy with my work and hadn't seen the same . Now a days due to the pandemic situation I have got time and also getting calls from the collection department and have come to know that I have still the outstanding of Rs. 104950.23 as showing in the latest invoice of march month . Really shocked to see the invoices detail and found lot of penalties charged on my card. I am paying the dues every month except moratorium/pandemic period and for that period also lot of interest / finance charge charged on the card and still the outstanding stands as Rs. 1, 04, 950.23 Lots of entries are there just like this . you can check your records . I am paying paying but still the amount stands Rs. 1, 04950.23 as on 05.03.2021 Annexures attached herewith for the details spending amount on the card as showing : Finance charges charged - 235264.42 late fee charged - 34450.00 payments made - 928865.13 purchases - 662650.99 Its heart breaking to see the records/detail of invoices, the amount used and the amount/penalties / finance charges charged I am paying but the amount still stands like before when I have made payments in lakhs not used card since last year and made payments sometimes minimum due and sometimes bulk amount . Reason of delay in payments in current status due to the lack of money . I lost my job . In pandemic unable to find the another job . Doing small business from home but due to the pandemic no income from that work also. As you are aware that due to the pandemic situation globally everybody is suffering from the lack of money . Lots of people lost their jobs and also the business activities are too low . Also I am facing the same and living in hard situation . No job, No earnings at my work place . Facing a very had time . You can see the invoices as I have not used my card for any purchase since last year but the amount still stand as high amount . All the amount has been charged as finance charge and other charges and become a big outstanding amount . which is effecting my CIBIL . As I receiving the calls from collection department and getting harassment calls from them to pay off the liabilities . but right now I am unable to pay in bulk amount . couple of times I have sent mail to the customer care to wave off the charges charged on my card so that I can get the minimum amount to pay off the liabilities . I also requested after waiving off the charges to settle my card balance outstanding and convert into easy flexible EMIs so that I can pay in installment but no satisfactory response I got from the concerned departments . I sent the request mail on customer care and Gravuience department and they reversed Rs. 3500/- and 1300/- only after my request and refused to reverse the charges and also for settlement. Its my humble request to look in to the matter and do the needful and credit the amount in my card account by waving the charges and interest amount which has been charged on my card as late fee, finance charge extra and for the balance amount you are requested to settle my account for that and covert into easy flexible emis . I shall be very grateful to you. Regards Gurcharan Kaur [protected]