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Want to Live (NA)     18 June 2013

Credit card recovery harrasment

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.







 1 Replies

Sankaranarayanan (Advocate)     27 February 2014

you said they called you after 5 years, so limitation is over. So you need not worry and if they call again just complaint in the nearest  police station against the agent. But if the amount is really need to be settled then you do  with concious

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