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I HAVE OPENED A DEMAT ACCOUNT WITH SBICAP SECURITIES LTD UNDER SBI STAFF CATEGORY AS I AM A RETIRED CM OF SBI,AT THE TIME OF OPENING OF ACCOUNT THE COMPANY REP TOLD ME THAT THERE ARE NO CHARGES FROM SBI RETIRED EMPLOYEES BUT NOW COMPANY HAS DEBITED MY ACCOUNT WITH RS.399 AS AMC CHARGES.I HAVE MADE SO MANY COMPLAINTS TO MD OF COMPANY BUT TO NO USE.THERE STAFF MEMBERS ARE NOT COOPERATING AND THEY ARE NOT WELL CONVERSANT OF THE SCHEMES.UNDER PROTEST I HAVE CLOSED MY ACCOUNT BUT STILL THEY HAVE NOT REFUNDED MY THE CHARGES.