I am woman and I was holding credit card of a major bank around 5 years back. I was making few payment of 1000 to 500 rupees since last few years. The total amount due for actual amount of credit used by me was around Rs. 80000/- but he bank told me after all the accrued charges and interest now it around Rs. 300000/-. They started harassing me me with all threatening calls and then threats for taking legal action. I told them that I have no job and am going to difficult financial situation currently . still I spoke to them agreed that right now I can pay Rs. 50000/- and settle the matter but I they are not agreeing with me. It becoming a big headache. Further, the problem is that after almost a period of 2 years after I stopped making payments today on 12th March 2015 I have received a notice from the Civil Court considering it a summon from court. The notice has a date of more then a year back 25th February 2014, the notice is stating to represent my self in the court within 10 days. The notice was received by my Dad as I work in another city, It is impossible for me to visit the court as I am currently far from my home place and in another city.
I am really very upset with all this as the bank is not agreeing with the settlement amount and then threatening me with all these actions.
please suggest what can I do to be free from all this stress. It is affecting me mentally too.