Credit card harrasment
9 months ago
There is a credit overlimit on my credit card of about rs. 600/- with Indus ind bank & their recovery agents are calling me day night despite the fact that the credit card bill payment date is not elapsed still they repeatedly call me 100 times a day from various numbers. How can I complain about it?
A.Dear Client,
In the prevailing situation, you should bring the matter before the GRO of the concerned Bank and simultaneously file a complaint online to the Grievance portal of RBI for harassment by recovery agents for non-payment of credit cards outstanding for a meager amount of Rs.600/- only. But be careful, in case of default in repayment of dues continues for more than 3 months, then the debt may be termed as NPA affecting your CIBIL record. So, negotiate the matter with the Bank at the earliest.
In the prevailing situation, you should bring the matter before the GRO of the concerned Bank and simultaneously file a complaint online to the Grievance portal of RBI for harassment by recovery agents for non-payment of credit cards outstanding for a meager amount of Rs.600/- only. But be careful, in case of default in repayment of dues continues for more than 3 months, then the debt may be termed as NPA affecting your CIBIL record. So, negotiate the matter with the Bank at the earliest.
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A.Dear Client,
You can seek the following remedies:
a) Complaint u/s 506 IPC which deals with criminal intimidation can be filed against the bank and recovery office. If the agents use vulgar language while talking to a female customer, complaint u/s 509 IPC can be filed.
b) You can file a civil injunction suit in civil court against the bank and recovery organisation for ad-interim relief.
c) You can file an objection with the Reserve Bank of India.
d) If bank recovery agents enter your home without your permission, you can file a trespass complaint alleging that they are violating your rights.
e) If the money is being recovered forcefully, a case of extortion can be filed.
f) Every bank, in general, has a complaint department where customers can file a complaint. Following that, the client must wait thirty days for a response .
g) If the bank does not respond to the complaint within the specified time, you may contact the banking ombudsman. Complaints about credit cards are filed with the ombudsman whose jurisdiction is based on the client's billing address.
Thank you
You can seek the following remedies:
a) Complaint u/s 506 IPC which deals with criminal intimidation can be filed against the bank and recovery office. If the agents use vulgar language while talking to a female customer, complaint u/s 509 IPC can be filed.
b) You can file a civil injunction suit in civil court against the bank and recovery organisation for ad-interim relief.
c) You can file an objection with the Reserve Bank of India.
d) If bank recovery agents enter your home without your permission, you can file a trespass complaint alleging that they are violating your rights.
e) If the money is being recovered forcefully, a case of extortion can be filed.
f) Every bank, in general, has a complaint department where customers can file a complaint. Following that, the client must wait thirty days for a response .
g) If the bank does not respond to the complaint within the specified time, you may contact the banking ombudsman. Complaints about credit cards are filed with the ombudsman whose jurisdiction is based on the client's billing address.
Thank you
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