Credit card resettlement?

Question

I opened a salary account when I was in Hyderabad and ordered a credit card. I left my job after a couple of months and therefore preferred to settle all my credit card dues. In April 2014 I cleared my dues. In August, while I was in Guwahati I got a mail from bank to pay my dues. I tried to find my receipt but couldn't. I ignored for a first two times as I was busy with my VISA procedure. Now, after coming to Germany I again received an email from bank with an increased amount (penalty maybe). I tried to call bank helplines, customer care, etc but nothing helped. Then finally I managed to contact some authorized person who said he'd help but never got back to me. Then in March, I got an email from an advocate stating that I have to pay 7552 INR. I explained him my entire situation and he asked me for my credit card number and other details. I mailed him everything and he never replied. Now again after 8 months I get an another email form the same advocate asking me to pay 8507 INR. Kindly help me in the situation. I am studying in Germany currently and explaining them every time with an expectation to understand is really difficult. The customers shouldn't pay for the bad customer service of a Bank which are unable to keep a track of customers' payments and never bother to reply

Answer 1

Dear Mayookh

When you moved out of Hyderabad, certainly some small amount would have been unpaid of your credit card dues.  May be over the period since April 2014, the might have levied penalties and interest, which amounted to Rs.8507/-.  You or your kin should be getting in touch with the card issuing bank officials, explain that you thought, had cleared off the dues, seek wavier of the penalty and interest and pay off the actual liability, that was not paid by you during April 2014.  Otherwise, the bank, their recovery agents, advocate etc would keep pestering you for clearance of the credit card pending dues.

RAJA