Credit card
3 years ago
I am using sbi card since 5 years ,card number (4726428044744991 & 4207399167179695) my payment history in records was very good,
i used 150000 rs with sbi card in the month of feb 2020.
12th of April was my due date &:that time everything was locked ,I dont have any obtion to pay the bills as i was not in the city also i dont have even my card with me .
My intention is always good & to pay all bills in time as when i came back to my home Town in june after lockdown immideatly i paid the full amount of rs. 150000 (principal amount)which i used in the month of february(before lockdown).
whatever amount is pending is only interest ,compound interest & late payment charges.
they should understand the pandemic situations but every time I am explaning situation & they are not understanding & not co operating & only giving the reference for there rules & imposing the same on me.
kindly suggest me what to do?
Waiting for your positive & genuine reply.
Regards
Vickram singh
2) Why don’t you tell your family & friends to file a police complaint that some unknown people / Recovery Agents with different numbers are calling them, a stern action will be taken.
3) All this has been banned by the RBI then to advice you that as the situation is beyond your control straight away tell to them that you are unable to pay the outstanding dues. The maximum they can do is keep your name in CIBIL and a secondary advise to you do not convert the credit card dues into the personal loan as credit card interest rates are not backed by RBI & once you get it transferred to personal loan again main point is from where will you pay. Do not mess-up by shifting the liability from one shoulder to another shoulder, it is of NO use, But 1st try to get yourself a good job or business & be stable then only you will be able to repay the bank dues. Don’t worry it is not a serious offence that the bank people will hang you. Relax due to COVID-19 the economy has already slowed down & you are not doing this deliberately.
4) Send a email to all the banks asking for more time & if situation improves tell them you have a very positive intend to pay & if they keep harassing you then you can tell that they may never the amount. Also record all their calls & make a pendrive ready of all the recording with date & time & Name of the person calling , as if things really go bad you will have to take a legal action against them. Leave the rest up to us…The legal professionals
But if you want then defending them and running the legal battle will be a costly task for you ….if you are ready for the cost then there is a legal way out.
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ADV. ANISH PALKAR (High Court)
The Banking Ombudsman can help you find a solution by acting as mediator between you and the bank authorities.
On a related note, do not share details such as card numbers, bank accounts etc. online, especially on open forums such as this.
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Ayantika Mondal @ Prime Legal
Responded 3 years ago
Please refrain from sharing details of your card numbers, bank accounts etc. online, as you are exposing yourself to unnecessary risks.
You can make a representation of the same to the Banking Ombudsman, they will try and facilitate a compromise.
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Raghu Rajegowda
Responded 3 years ago
You have to go under monitorial scheme
Sidhaarth
Responded 3 years ago
Sharing bank statement of Defence Salary Account to third person wo informing
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