Credit card recovery harrasment

1. Filed a complaint for threating and harassment to nearest police station. 2. Write a mail to top management of Kotak Bank with all the supporting documents. 3. Take the help of Advocate and issue the notice to the Bank.

You can send mail to top management with all the supported docuements as brother Mr.Joshi advised and also you can submit grievance to banking ombudsmen 

@Rama thanks for adding banking ombudsmen

If Supreme Court delivers it Judgment in : Awaz", Punita Society, "Jagrut Nagrik" and Pradeep Kumar Thakur Vs. Reserve Bank of India and Ors. III(2008)CPJ98(NC) Commission order stayed by Supreme Court, Civil Appeal no. 5273 of 2008 . It will go a long way to help all Credit Card Holders.

Learned experts/members have given valuable advice. Kindly follow it.

Mr. Narendra.S.P has made an excellent contribution, and has enriched the forum.

Status of : Appeal Civil    5273    OF   2008

 

Next Date of listing is : 04/09/2013

https://courtnic.nic.in/supremecourt/querycheck.asp

The decisions quoted by Mr.Mr. Narendra.S.P are attached. 

Approach your lawyer specializing in such and consumer matters, and show all docs you have received till date including from M/s Kotak Mahindra.

You have already settled the matter and you have the documents.

Your lawyer may opine that the matter is time barred.

If your lawyer opines you may lodge a complaint with;

Smt. Uma Subramaniam
Chief General Manager -in-Charge
Department of Non-Banking Supervision
Central Office
Centre I, World Trade Centre, Cuffe Parade
Mumbai-400 005.

Phone: 022-22153350

Email id: cgmicdnbsco@rbi.org.in

THE DETAILED DUTIES OF DNBS CAN BE SEEN AT:

( DNBS:  Dept. of Non banking Services)

https://www.rbi.org.in/scripttts/AboutUsDisplay.aspx?pg=Depts.htm#DNBS

 

YOU MAY ALSO LODGE A COMPLAINT WITH:

. D Subbarao
Governor
Reserve Bank of India
Central Office Building
18th Floor, Shahid Bhagat Singh Road
Mumbai-400 001.

022-22660868

governor@rbi.org.in

 

Proceed under expert advice of your lawyer.

 

 

You may find the threads on the harassment by recovery agents useful e.g;

https://www.lawyersclubindia.com/forum/Harrasment-by-icici-banks-recovery-agents-76271.asp#.UUc5U0pFZ_4

I thin these tips might be helpful to you,:

1) Never let a communication from your bank go unnoticed. Banks do block the use of a credit card when consumers default and many assume that to be the final action from the bank.

2) What happens is that, the pending amount and the interest levied on it keeps growing till it becomes quite a tidy sum, this is when the recovery agent enters the scene to collect the dues.

3) When such a scenario poised for dispute happens make an immediate complaint to the bank and get an acknowledgment for the complaint.

4) A call to customer care does not help you at this point unless you take care to get a reference number that you need to keep handy when you file the complaint for future reference.

5) Do file a complaint with the bank’s website, where there is provision for this.

6) When there is no response from the bank in a week or two, the next step would be to file a complaint with the banking ombudsman appointed by the RBI.

 

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Miami Beach Florida Real Estate

When you lodge a complaint on phone do not forget to ask the CCE to read the complaint ‘Verbatim’ as punched by him/her in her computer…………………………..Of course obtain the complaint number.

You shall note that the CCE will not read the complaint verbatim, (statements and sentences written by him in English).

If you can, Record the call positively, create a file and keep the data card safely.

Submit minutes of each representation under acknowledgment.

There are many instances to indicate that the complaint is entered as per software/drop down choice created by the bank and even telecom companies……………………..so as to benefit them and their interest.

COMPLAINT AS NARRATED AND DICTATED BY THE CUSTOMER IS NOT ENTERED.

THE VOICE CALL RECORD IS NOT MAINTAINED FOREVER AND IS SELDOM BROUHGHT TO COURT OF LAW BY THE COMPNAIES.

Do not hesitate to approach your lawyer.

There is a need to form ‘Forums’ ‘Associations’ to fight the menace.

The hardened bankers/CC operators who for the sake of their job harass the genuine customers should be brought to stand in person in the corridors and box in court.

Majority of the offenders who spend their time in correctional centers (Jail) convert to law abiding, law fearing individuals and some them become even saint like.

Many of them are intelligent enough to quit the job and leave the city before a hard time may come upon them. It is not that difficult to track them.

CC companies throughout the world are apt at circumventing the law and avoid the noose.

The customer has to be properly informed and well prepared.

The customer that has used the CC should pay in time.

In one incidence, the so called Regional Head- Collections/Recovery of H*FC Bank had to appear in person in office of lawyer of the customers, touched the felt and knees, knelt, begged apology (Maafi ki Bheekh) , and everything for the customer was restored. He is now not seen anywhere in his fiefdom (shunted out), performed a vanishing act (but located again).

The one who wants that his dignity should not be touched has to have the resolve strong like steel. Everything is possible.

Hi kumar....kindly provide me this judgment