Today i went to the credit card office. and told them i am unable to pay the dues. I said please negociat the amount and the time for the whole payment. can you reduce the amount to 1,25,000/-. They said NO. there is no such type of process. And what you are saying cannot be done, you have to pay the whole amount, and that is today.
So what should i do should i wait till they launch a complaint in lok adalat. and then negociat the amount there.