Harrasement calls from Recovery agents?

Question

Hi, My name is Bhawna Billa. I am a credit card holder of your bank in which i have outstanding of Rs. 1, 72, 000 approx. From last few days, i am getting harassment and abusive calls from one of your recovery agent. He make 100 of calls everyday in my office landline and shout on my reception and security guards when i am not in office. I have requested him to call on my mobile which he doesn't do. He always call me on my office landline and shout very loudly and threat me that if i wont make payment today itself he will disclose my debts to my company HR team and he did the same. He called my company HR colleagues and my senior management and rudely spoke with them also asked them to pay my bill. Apart from that, he send an another guy to my 2 relatives places and insulted in front of neighbors. He force them to pay my minimum due on the spot. He really created a big drama over there. When i asked his name he replied, I am not here to do Naamkaran and uses very loose language. Somehow i managed to get his name from other agent who come and call. His name is Anuj from Rajouri Garden, New Delhi Branch. Also my husband called to branch to talk to him but they said that there is no Anuj and put on hold for 20 mins and the same happened 5 times. I know in am mistaken due to worst family condition today as we have lost our home in business loss. He is giving me mental illness. Sometimes i think it is better to kill myself than taking these calls and get insulted in front of neighbors and office colleagues. I have already got insulted so much due to this guy, i am not in condition to face this guy again. Please take necessary action against him.

Answer 1

Ms.Bhawna,

At the outset, let me clarify that this site is designed by a group of senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

It is sad to know that you have faced harassment from your bank with regard to your credit card dues. If whatever you have narrated in your complaint are true, you have the right to protest and lodge a complaint against recovery agent. No regulation or law gives right to any individual  or organisation to use abusive language or use highhanded methods for recovery of dues. Your bank as the principal cannot escape accountability for the unacceptable behaviour of its agent and take appropriate action. 

In the above regard, I suggest you to lodge a complaint with the Nodal Officer of your bank through email or letter. You can find out the details of the Nodal Officer from the bank’s website.

If the bank is unapologetic, you can lodge a complaint with the Banking Ombudsman. For address of the Office of the Banking Ombudsman, Area of Operation (jurisdiction) and the procedure for lodging complaint, you may access the website https://bankingombudsman.rbi.org.in/

 

Regards

 

J R Mohandas