Hi,
I used to have a credit/card and used a little bit of it and remember repaying what i used and dont even remember what happened to the card after that. Now recently some recovery agents came calling that i had maxed out on that card 6 years ago by withdrawing cash and they said they have the statement etc.
The point is, what were they doing for 6 years ? i dont remember anything abt that debt at all. i've had many credit cards and availed several loans for the last 10 yrs and availed a car loan as recent as last year and nothing ever showed up on my credit report or else i wouldnt have got the loan sanctioned.
now the recovery agents are saying that the card was used to the tune of 50,000 and with interest now it's over 4 lacs.
i never received any kind of communication with them in all these years, either telephonic or email.
I want to know what my rights are in this case and if there is debt is time barred for recovery.. please help
