Legal Question in Credit and Debt Law in India

Credit Card MisUse
Hi , I was holding HDFC credit card and it was misused by someone else.I am sure its through internet.I raised complaint with the bank for investigation and they didnt investigate within 45 days not even asked me to fax in writing and I was told that since I didnt fax within 45 days,They cant start any investigation.They also withdrew 14000 from my Saving Account and the misused amt was around 18000.Now they are sending me legal notice continuously but its not my fault.Somebody used it and the bank didnt investigate it and moreover they have taken Rs 14000/ without my approval and they are still wanting me to pay the rest of the amt with interest which is really unfair.I dont have time to fight against these guys and hence I had forgotten abt this Rs 14000 but they want all amt till date.I am really suffering for no fault of mine.Can someone suggest on this?

Asked on 1/01/09, 10:43 am

3 Answers from Attorneys

Sudershan Goel India Law Offices of Sudershan Goel - Advocate

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Re: Credit Card MisUse

In order to effectively defend yourself, you will have to contest your liability. If you do not have time for the proposed defence, you may consider forgetting the entire issue and decide to make the payment.

Answered on 1/01/09, 5:46 pm

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Prof.Somnath Mukherjee s.mukherjee associates,09874053359

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Re: Credit Card MisUse

Atfirst you must approach to the police after that you have to file a criminal case against it. You may also file a caseunder IT Act .Otherwise you have to pay the amount

Answered on 1/03/09, 7:57 am

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