Credit card harassment


I had an SBI credit card in 2006. Due to strained finances and loss of job I was unable to pay the due. Yesterday I received a call from Delhi and the person calling claimed he was calling from SBI and I have dues pending. He kept calling repeatedly and when I did not answer the calls he called my sister in law and told her to put me in a conference call. After so many years they are calling and harassing me and my family members. He did not give me any details of my card etc and said I owe them 1 lakh which I should pay immediately or they will file criminal case against me. I do not know what to do. Kindly suggest
 
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It is civil in nature they cannot penalise it u contact branch with any one who supports to settle it thru one time settlement.
 
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I am currently residing in Bombay so can I contact the bank here or do I need to contact in Delhi
 
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U can contact in Bombay also now every thing has become internet try to settle amicably
 
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Explain Ur helplessness and jobless and have not sufficient earnings to repay the loan in time.
 
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Thank you for the reply.
 
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Don't be threatened by these extortion tactics.

If compelled report to nearest police station and change your contact number
 
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I spoke to one contact who had called and agreed on a on time settlement of 35k. I was issued a letter of settlement as well wherein it's mentioned that by 31st of May I should make the payment. I have already made a payment of 10k and requested for few days to arrange for the rest of the amount. Also said by 31st I would do the payment. Still everyday they keep calling me and my family members and harass. I really don't know what to do or tell them. They are rude and very abusive. I really don't know what to do.
 
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Please report the matter by submitting written complaint to near by police station

Also note that any settlement with third party recovery agent will not reflect on your credit score
 
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