Purchased a fridge from big bazaar, Saligramam, Chennai through Future capital now capital first in August of 2010. The purchase was made with 12 months emi of which two months of EMI payment made through debit card payment. The EMIs are paid monthly without fail to a collection executive from Future Capital now Capital first Nanganallur branch. The EMI amount was 1354/-. After paying six months EMI, on the 7th month remaining 4 months EMI was paid in total Rs.5416/-. The EMI loan was preclosed in 2011. No calls received from their office thereafter . Suddenly after three years on 24/12/2014 received a call from someone stating he is a high court lawyer in chennai and he has been asked to initiate a case against me for there is pending 9000 balance I have to pay. How to go about this?