MENTAL HARASSMENT FROM COLLECTION AGENCIES
Querist :
Anonymous
(Querist) 27 July 2011
This query is : Resolved
Dear Sir/ Madam,
SUB: OD ACCOUNT
This is in continuation to the trailing mail .
I would like to summarise , whatever has transpired till date.
I was working with Reliance as Technical Group Lead .
Sometime last year a person from the Agency appointed by standard chartered, got in touch with me regarding settlement as I had lost my job two year back and was unable to make my regular payments. He had offered an settlement amount of Rs.35,000/-, I agreed to make the payment as my friends were ready to lend me the money then. However, nothing came out of it, as he did not come through.
My cell got damaged because of which I had no access to the numbers, and could not get in touch with anybody. However, I called up customer care and explained the situation , and asked them to arrange for somebody to call me. Also i had wrote a mail to bank , explaing the situation and details. but i havn't got any reply.
This year one Mr Suryakant got in touch with me. Then all sorts of problems started. The guys from the Agency used to visit my house at odd hours 8:00 pm , 9 pm , as and when they feel like.
I was the sole earning member in my family. My father is past 76 years and is a heart patient, diabetic and suffering from blood pressure. My mother has a psychological problem and is suffering from ILD(Interstitial Lung Disease), but cannot afford any treatment since I lost my job. These people come home and give them mental pressure in my absence. I have always been available and kept in touch . Inspiteof this they have been creating problems and tension for my family. Presently, the house is running on my Father’s pension.
Today 25th July 2011 , same person again called and asked for money... i told that when i will get job , 1st i will clear your dues. after long discussion he started talking in bad and very low lavel Language.
many times i requested him not to give so much mental pressure ..... but he was talking as i am begger ......... please suggest me what to do ????
now i am unable to handle the pressure
H.M.Patnaik
(Expert) 29 July 2011
As I understand dear friend, at present you are jobless and unable to clear o/s dues of Stanchart bank.
Pl. note that under no circumstances a financial institution or bank allows its employees or collection agents to inflict mental pressure or misdemeanour to the loanee for collection of loan dues .
Now, you have to submit a written representation to the collection managr of Stanchart bank describing your plight and assuring of your intention to clear of the balance dues alongwith interest within a particular dateline and simultaneously you have also option to either ask for rephasement of loan and allowing One-time settlement of the loan dues togetherwith freezing of interest component.
As regards the mental harrassment by collection agents , the matter may be immediately reported to proper authority in the bank alongwith proof of such deliberate untoward incidents , so that they can immediately get in touch with the agency to redress your grievances. in case no positive action is taken within a week
,You can report the matter to the local Police for redressal of your grievances.
