Bank account frozen
3 years ago
Bank has frozen my account due to non payment of credit card during Lockdown.
A.1) Please kindly mention which saving account is frozen for credit card account. I believe that the credit card account is frozen during the lock down
2) As per my knowledge your credit card account is frozen as you have not made the payments in the lockdown period but if you have already crossed the 90 days period slab, then this credit card account will be permanently blocked and you will not be able to use the facilities even though you will be making the full payment to them also subsequently your CIBIL score will decline.
3) You should have at least made the minimum balance due during the period of lockdown so that the credit card would be in the current working position and you could avail all the benefits and privileges of a credit card holder.
4) Even if from the date of bank statement of credit card if you would have paid within 60 days your card would be restarted by the bank……. kindly do check out and let me know as to how many days are lapsed from your last payment. If there is a chance to retrieve the card please do it. It is helpful in long run
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ADV. ANISH PALKAR (High Court)
2) As per my knowledge your credit card account is frozen as you have not made the payments in the lockdown period but if you have already crossed the 90 days period slab, then this credit card account will be permanently blocked and you will not be able to use the facilities even though you will be making the full payment to them also subsequently your CIBIL score will decline.
3) You should have at least made the minimum balance due during the period of lockdown so that the credit card would be in the current working position and you could avail all the benefits and privileges of a credit card holder.
4) Even if from the date of bank statement of credit card if you would have paid within 60 days your card would be restarted by the bank……. kindly do check out and let me know as to how many days are lapsed from your last payment. If there is a chance to retrieve the card please do it. It is helpful in long run
If you realize my professional skills, the time & efforts put in by me needs to be truly appreciated, and then Please “CLICK MY LIKES/ THUMBS UP/GIFT” button shown below this reply format & also CLICK/ WRITE a “REVIEW” in 5 star as I have answered your query in detail. Do show me the entire set of documents & I shall be able to guide you more into this matter.
Your query is answered in detail. We can help you in getting done the same & Complete Legal Documentation works. Hope this information is useful
ADV. ANISH PALKAR (High Court)
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Jagannath S Pawar
Responded 3 years ago
A.Plz send proper Legal Notice to the bank for unlocking your account..If it doesn't work you can initiate further proceedings. Thanks n regards
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A.They cannot do like that. You can approach Banking Ombudsman and Civil Court. You will succeed. It is highhandedness of bankers. Please give me Rank 5 if you feel my answer helped you.
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A.Proceed with the payment and unfreeze it. If you have availed the benefit given by RBI, you may file a claim petition/ or complaint at banking ombudsman
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Ayantika Mondal @ Prime Legal
Responded 3 years ago
A.Proceed with the payment and unfreeze it. If you have availed the benefit given by RBI, you may file a claim petition/ or complaint at banking ombudsman
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Rameshwar Dadhe
Responded 3 years ago
A.File complaint against them immediately
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