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third party recovery agents issue

(Querist) 27 August 2015 This query is : Resolved 
My father had an ICICI credit card, however due to some financial problems he was not able to pay the debt. my father then asked for a settlement as the agents were calling continuously on his phone and abusing. the bank then agreed for settlement divided into three installments. My father paid the first one, however he defaulted on the second which he was going to pay. Since he defaulted, the recovery agent then started calling me at my workplace.The technique used by them was they used to call on the companies reception number and take my name and start abusing. They used to also call at my personal extension number. This went for a week in-spite of me filing complaint with the bank.When i complained to ICICI bank, they took my complaint and from that day i stopped receiving those calls. But now they are saying that the number from which i received abusive call does not belongs to them. Though it is rather strange that from the day they acknowledged my complaint the call stopped and the bank constantly called me alternate day to inquire if i was still receiving the call.i was also receiving a call from a another number where they did not abuse both on my mobile and office.The bank accepted that the number from which non abusive calls were made belongs to the bank. however i want to know if as per RBI guidelines can they contact me for a credit debt of my father. Also please let me know if it is a breach on the banks part that the agency had access to my professional contact details since i have salary account with ICICI bank. Please also advise if i can file a complaint against the bank for this.
Sudhir Kumar, Advocate (Expert) 27 August 2015
complaint to RBI
Kumar Doab (Expert) 27 August 2015
Record the acceptance by bank that number belongs to them.


You have full right to lodge criminal,civil complaints and of course with RBI, Ministry of Finance and demand to cancel the license of the bank..

GO thru:


http://www.lawyersclubindia.com/forum/Harrasment-by-icici-banks-recovery-agents-76271.asp#.Vd9DN31-jMo

Mamta (Querist) 28 August 2015
Hi, Thanks for answering my question Mr sudhir Kumar and Kumar Doab. However can you please guide on how to complaint to RBI.
Mamta (Querist) 28 August 2015
I also want to know does the bank have the authority to call me for my fathers credit card debt. Also in addition to filing complaint with RBI , should i also file a complaint with consumer forum. I dont have any idea about these process hence your help would be appreciated
Sudhir Kumar, Advocate (Expert) 28 August 2015
You are not the borrower.
Rajendra K Goyal (Expert) 28 August 2015
It seems you are lady and not a borrower, record the abuse, inform the police against the unknown recovery agent and the Manager of ICICI Bank. Misbehaving with ladies attract crimes against ladies legal provisions.

Write to RBI, Banking ombudsman, ICICI Bank. If police does not take action, meet higher police officers. You can use plain application inserting all facts.
Kumar Doab (Expert) 28 August 2015
If you had really and carefully gone thru the thread referred in my previous post then you would have noted the address/phone/email id of RBI officials to lodge complaint................................and Supreme Court of India judgments delivered in case of M/s ICICI Bank.................




Tame and shame the bank,bankers,agents,managers




SAINATH DEVALLA (Expert) 30 August 2015
No, the agents cannot trouble U for UR father's credit card default.If it continues immediately send a legal notice to the bank's credit card division which is located in Mumbai, with a copy to the concerned recovery agency,for harassing U as U are not the defaulter.


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