I owned a credit card which was valid till 09/2012. In 05/2012 I made a payment to Country Club Vacations for Rs 90,000 on 13/05/2012 using the card. However, Country Club Vacations refused to provide me with a proper invoice for my payment after taking my signature on the credit card charge slip.
On the same day I went to a nearby police station and launched a police complaint against the representatives of Country Club Vacations. I also opened a dispute case with ICICI Bank Credit Cards within 2 hours of the transaction.
The issue was under investigation and I was told that a resolution will be reached within 60 days. I then got a reply from the bank that the dispute had been resolved in the bank's favour and I had to pay them the due amount. The dispute was however resolved on 14/12/3013, which was outside the dispute resolution time frame given by the bank.
I have not received any communication from the bank asking me to pay for the dues until recently when I started getting calls and visits to my home.
Country Club or the bank has not been able to provide me with an invoice stating the reason for which I was charged Rs 90,000 although they have faxed me a copy of the credit card charge slip. I have been informed by the bank that they are not responsible for what goes on between the merchant and the consumer and if I have any problems with the merchant I should take them up with the merchant.
Even though a dispute was filed within 2 hours of the transaction, no action was taken by ICICI Bank for verifying the purchase at the merchant.
I have till date not received any invoice which states the purchase against which the charge was made on my debit card. ICICI voluntarily converted my payments to EMI without any written consent from me and when I refused to pay them, they have started harrasing me.
I am solvent and have no need for any loans on the foreseeable future. I also have a complaint registered with the consumer forum but I have not followed up on it. I also have a copy of my application to ICICI bank (stamped by Branch Manager) and a copy of the police complaint against Country Club.
I have had no further communication from Country Club Vacations regarding the refund of the payment. Nor I have received any communication, invoices or services from them.
What should I do if the bank sends me with a legal notice? If I do not accept the notice, can a judgement be issued in my absence?
If there are any lawyers in Pune who can represent me in this regard, please let me know and I will get in touch with you.
Thanks
