Harassment and Mental Torture by continuously visiting and sitting in the house?

Question

I am complaining about Card no XXXXXXXXXX7278. I agree the outstanding is there and I am currently not in a position to pay. Also my family is a senior citizen and my brother is jobless so I have to take the entire expenses and I am living hand to mouth as its a freelancer job. I paid amount of 300/- last month and I paid today 300/- today through transfer. The bank people come home which they came today before 8am in the morning without calling me before and that they have come before non office hours. Last time they had come everyday and used to sit in house in my absence. Their leader MR. Gajanan talksin a rude way with my bother and tells him that he is the manager and tries to bully him. After begging and requesting he tell his fellow person to leave from my house after 6pm. They have made visits everyday and keeps creating chaos and mental stress.  Not only this they trouble my other person as well. So it would be great if they stop coming to my house before office hours and also they are not even calling and telling me instead they are directly visiting house.

Answer 1

Dear Kena

At the outset, let me clarify that this site is designed and managed 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.

What you narrated is a common scenario, when someone defaults on Credit Card payment.  The better course to get rid of the harassment is to meet up with the credit card officials and request for a onetime payment with certain possible waiver and thereafter pay it off without delay, may be with the help of your near and dear.

RAJA