Credit card

Querist : Anonymous (Querist) 26 January 2012 This query is : Resolved
I have HDFC credit card. had asked for settlement but they always told me to pay the amount and then they will issue a settlement letter. I never agreed to it once i did pay them 3k but did not receive any letter after a year they came bk to me again made calls on my office landline never called me on my mobile i did not ans. the calls and told my office security that i was not in ogffice but called them bk from my mobile but still they went on pestering me abusing me and continously called on my off land line even shouted on my security gaurd i have sent mails to there credit card office in mumbai and chenni informing them of the situation i also asked them for settlement in the loan. they agreed for the settlemet of 5ok but still there were continous calls from the recovery. I gave them a 1st chq of 15 k and the same day i lost my job because the security complained about the calls to my head off. i had to resign. I signed the settlement letter but was not able to pay the rest amount nor i have given them any chq other thabn the 1st chq of 15k which i cleared. now i have received a letter from there lawyer that they will not give any further settlement, and i am fraud and they vl log cases on me for civil and criminal action. I have not replied to them. please guide. During this time I was asked to resign by co. with immediate effect my boss told me he will tk care of the formalities and no need of giving notice the hr told me my leave will be encashed during F&F. but in F&F they adjusted my leave of 24days towards settlement. I sent a mail to the hr to reply if the notice perod is 30 days why only 24 days were adjusted and why i was not informed of the same. IT is 5months but i have not received any reply. Please let me know what should i do.

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Shonee Kapoor (Expert) 26 January 2012
You would need to settle the credit card with the bank.

No other option dude.

Regards,

Shonee Kapoor
harassed.by.498a@gmail.com

Raj Kumar Makkad (Expert) 26 January 2012
After all you shall have to arrange for money and one time settlement is the only remedy.

Devajyoti Barman (Expert) 27 January 2012
1. First ask from bank offer letter on proposed settlement amount in lieu of which their claim for all arrears would be waived.
2. Once it gives then and then only make the payment.

After that the bank could not agitate the issue in future.

Advocate. Arunagiri (Expert) 27 January 2012
If you have money to settle the issue, the bank will after you. You can get a good deal.

If you dont have money wait till you get the money and settle the issue.

prabhakar singh (Expert) 28 January 2012
all have right suggestions to problem posed before you.

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