You may approach a lawyer specializing in consumer matters and handling CC cases, and show all previous record.
Your lawyer may opine that the dues on CC are time barred.
If your lawyer advices:
- you may enter into a negotiated settlement with the bank. However if you enter into a settlement you may ensure that you obtain favorable documents from bank in writing.
- You may also approach BM of the nearest ICICI bank and thrash him and submit a letter in writing about attempt to extort and malign the image by calling here and there and let the witnesses also sign the letter and obtain acknowledgment from the bank under original seal and signature. Ensure that some of your near and dear ones close ICICI banks a/c under protest writing the incidence that has happened with you and various complaints against this bank which are there at online consumer complaint portals.
e.g. www.complaintboard.in/complaints-reviews
You can access consumer court decisions against this bank by Dist, State, national Consumer Forums at
confonet.nic.in/
--lodge a police complaint under acknowledgment for harassment, criminal intimidation etc as suggested by your lawyer. Let your lawyer draft your complaint.
You have posted that “i had used 1 card for full limit of 90k in 2004 and 2nd card for 20k. one day in 2005 unforunately my account was credited with old PF tranfer for Rs96k. bank debited that amount and froze the card and account.”
Apparently the bank has exercised banker’s right to lien and set off, and bank has clubbed the dues on both the CC. The dues were sat Rs.110000/ and after adjustment the remaining amount was only a small amount of a few thousand rupees, and you could have negotiated the amounts and cleared the a/c and closed the CC, after obtaining a letter from the bank that it shall clean your credit history and without any adverse affect on your credibility, credit rating and loan taking ability in future.
If you were not paying due to some lapses and deficiencies on part of the bank you could have raked up the issues and you could succeeded in getting the waiver on all charges levied by the bank and making a payment of principle amount.
The bank is doing what it is known to do trouble you to an extent that you end up accepting the debt on record and start the collection of debt which has grown at the rates which are beneficial to the bank.
The bank’s tactics to call all other citizens who {as per call records of your number} are known to you and calling you 20-25 times a day is bad but this is how this bank is known to act. If you are attending to callsof the bank everyday why should it call to anyone else?
You may request your uncle to save the phone number/incoming call detail of ICIC Bank in his mobile and you may also prepare a record the details of phone numbers from which calls are made to you or your family and your near and dear ones. You may record all calls being made to you.
If someone comes to you at your place and misbehaves you have the option of video shoot he proceedings and lodge a police complaint.
RBI, BCSBI has issued guidelines on CC operation of the banks. {Attached}. Courts have delivered judgments against this bank {attached}.
You have the option of acquiring some handle on the bank and bring the bank to table and close the matter forever.
Valuable advice of learned experts/members is sought.
