Dear All LCI members,
I had an ABN AMRO credit way back in 2007 which i had closed by paying Rs.24,378 in 2008, i remembered got a confirmation call as well for this payment from a landline number. those collection executive gave me a settlement letter & receipt of the above said amount & everything was closed.
Now suddenly after almost 5 years a got a recovery call from Kotak mahindra bank stating that Kotak has bought the debt of ABN bank & you have due of Rs. 36,000 on credit card i was shocked & told them that everything was settled & closed properly, but they continously calling me & somehow they managed my father, brother & sisters number & threatning them for payments. I told them they can move to court if they think that i have some dues. but not listening anything & called me 100 times in a day to harras me & my family.
In 2011 we have shifted our home & during that i have lost one of my documents folder & i have lost that receipts & settlement letter as well, but for habbit i used to scanned all the important documents & keep a copy on my mail Id as well for precaution. so that helped me. I have all the payment receipt & settlement letter in scanned file.I have multiple receipts of the past payment as well. now the kotak mahinda bank is dening this settlement & asking me to pay Rs.36000. I felt cheated & dont know what to do. all of sudden they came after 5 years & asking for payments agaisnt the credit card which i have already settled.
Kindly suggest the sutaible course of action.