Legal Question in Credit and Debt Law in India

In my last question I wrote regarding my husband Hdfc credit card. Yes we received a SMS on my mobile from Hdfc that they have received sum of RS 4000/-. But I do not understand why they did legal proceedings as earlier in feb2016 we told the last person we spoke to settle this card . the limit on the card was 40,000/- and now the total amount due is 60,000/-.

Still I am confused regarding warrant against my husband. Pls tell what should we do now. As about the warrant I still feel like it was a prank to make us feel haunted, so that we should pay asap as per their demand. Pls tell should I ask that advocate to give us legal notice and warrant copy. Pls advice


Asked on 5/28/16, 1:19 pm

2 Answers from Attorneys
Fca Prashant Chavan Expert Edge LLP

29.05.2016

Dear Madam / Sir,

You should establish the facts from the Bank and not the Advocate. As already advised, you should negotiate a one time settlement with the Bank, repay the agreed settlement amount and cancel the card taking the Bank's no dues and card closure letter.

Regards,

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Answered on 5/28/16, 7:37 pm

1) Find out details from the Bank, verify the statement of account and go for one time settlement.

2) Consult a local advocate to find out facts on warrant lest police will not respond to u.

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Answered on 5/28/16, 8:35 pm


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