Credit card payment aftr 8years?

Question

I was havg card credit in 2007 n i hav not used that from 2007 ..now bank recovery department is forcing me to pay 25k in one short n they r calling all my relatives that i hav default with  bank .how they can do this . They r callg me also all time for money ...

Answer 1

Hi Tanuj,

Do you still have the card ? Verify the expiry date on the card. Have you ever received the statement / regular statements showing the outstanding amount ? Since you have never used the card, please follow the below steps :-

1.    Go to your Bank’s website and search for grievance redressal (or similar name) button and submit your complaint online furnishing the details.

2.    If you do not receive any reply / satisfactory reply within 10 days, lodge your complaint with the Nodal officer of the Bank (either through email or letter)

3.    If you do not receive any reply / satisfactory reply within 10 days from the Nodal officer, lodge your complaint with the Principal Nodal officer of the Bank (either through email or letter)

4.     If you are still not satisfied with the reply / do not receive reply from the Principal Nodal officer within 10 days, lodge your complaint with the Banking Ombudsman (either through letter or email)