I just wanted to check with you on a credit card that i supposedly used 6 to 8 years ago and i had defaulted on the same. The bank itself has closed its operations in India and quiet recently i got a call from another agency saying that they are calling from another bank after the loans have been transferred in regards to the outstanding amount due. In all honesty i still have no idea where i had used this and how. But they have not sent me any statements but just a document saying that this has been transferred and this is the amount due along with my credit card number. i had lost quite a few of my cards quite a while back. I wanted to check as to what are the legal ramifications as it has been over more than 3 years and is this even legal for them to do?