Legal Question in Civil Rights Law in India

Hi, I am from Bangalore,
I have a credit card outstanding of around Rs.60k (including late payment fee and interest etc). But 2 years back I had completely paid off the outstanding of Rs.40k at that time paying off everything including all the late payment and interest etc. Overall, I have made around 1,10,000 towards this card. Some months back I received an offer from one of the bank representatives and they offered a Settlement for Rs.15,000 (waiving off all the charges). But they only jus made the offer and didn't do it. They never contacted me again and When I tried, they did not respond. Now a few days back I was contacted by another representative and was told I am due 60k. When I told that I had made payments of 1,10,000 toward the card, he asked me for proof. I had made all the transactions online and have the online statement for the payments and the Transaction ID Number. He asked to me mail them to his personal Id and not his official bank ID. So I got suspicious (because I had an experience before when a representative collected Rs. 4000 towards this same card and didnt give me a receipt and never turned up) and insisted on his official ID. He said he cannot give out his official ID because I am a defaulter. (Is there any rules stating that the official ID cannot be given out to a defaulter??). And a couple of days back, 4 people from the bank had come to my place when I Was Not There and made a big scene at my place where only my aunt (who's pregnant) and uncle were there at that time. Even after they had told them I wasnt there, they were not ready to move. This mess attracted the attention of my neighbors and there was a big scene. My family was so embarrassed by this incident and so was me. It was a big stress for me and my family. Please help me out as to what has to be done in this regard?? Coz they are threatening to come to my place again. How can I stop them coming to my place??

Asked on 9/07/09, 1:34 am

3 Answers from Attorneys

Basavaraj Babu Amb legoe

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There is no rule stating that the official id can not be given out to a defauter. You may lodge a criminal complaint againist those person:-)

Answered on 9/07/09, 6:36 am

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Sudershan Goel India Law Offices of Sudershan Goel - Advocate

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I agree.

Answered on 9/09/09, 8:53 am

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Seshadri Srinivasan www.lawconcern.com

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Defaulter or not, if you are approached by a person claiming to be bank employee or agent, you have a RIGHT to demand their ID/ address with phone number /emails. If they will NOT provide, do not deal with them.

You have to file a police complaint for defamation and criminal intimidation. But you also have to issue a lawyer notice detailing all the events and call upon the Bank to be reasonable and not to harass you and give a fair settlement in writing which you will honour.

email: [email protected]

Answered on 10/16/09, 12:17 am

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