Legal Question in Credit and Debt Law in India

Hi,

I had a credit card from citibank which I took in 2003. I stopped using this card in 2004. The amount due was about INR 80,000.00 the payments I made were not regular and in 2005 the bank froze my salary a/c which was also with citibank and took away my complete salary. Post this I decided not to give them a single penny.

Now, I have received the following email from them:

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FORM No. 2

WARRANT OF ARREST

(see section 70)

To, commissioner of Police Bangalore

(name and designation of the perso

n or persons who is or are to execute the warrant)

Whereas (name of accused) ABCD

of (address ) ��...............................................................................................................

����������������������������������.

Stands charge with the offence of (state of offence) 420 & 506 IPC.�����..

Due to nonpayment of your credit card above mentioned bank if he/she had any relationship with bank in (past or present)

With the help of this registered complaint your credit rating will be effected and will be black listed in all the multinational companies.

Relationship with any of the banks

ICICI Bank

HDFC Bank

CITI Bank

Standard Chartered Bank

HSBC Bank

We hereby inform you to make the payment as early as possible to avoid any legal action or arrest warrant against your name.

Further we assist you to update your correct contact details with us, so that we can update it in our records.

Awaiting for your response

Yours sincerely,

Advocate - XXXX

Legal department

Karnataka (Bangalore) Bar Association

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I have the following questions:

1. Can they come back to me after all these years for an outstanding payment.

2. What is the best course of action at this point of time.

Awaiting a reply.

Thanks.

1 Answer from Attorneys

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