Hi,
This is with reference to the credit card payment issue. I am having SBI credit card. But as i lost my job few months back and still struggling to get a job, I was not able pay the bills incurred on SBI credit card. At the time of issue of credit card, I was in Delhi and due to loss of job and no bank balance at all, i had recently shifted to my home town. Still the address and phone number registered with SBI credit card is of Delhi.
When I was in Delhi, I received the call (what i suppose) from collection agents on behalf of SBI to deposit the money, I somehow managed to pay the min. due amount of Rs.10,000. When I shifted from Delhi to my home town, I received the calls from these collection party about the payment of CC. although I didnt change my registered mobile number and address in SBI.
What I notices is that these collection agents are tracking my details from my resume uploaded on www.naukri.com
Yesterday I received one mail from these collection agents that If I will not pay the amount then they will go Legal and intimate police for the same. I am copying the mail which I received for your reference.
Currently due to no job and no saving left with me, I am not in condition to pay the bills.
Please advice me what shall I do and I do not have any intentions of not paying the bills as when i had job, I was paying regularly all my bills.
Can these collection agent send me any legal notice on the address which is not registered with SBI official database.
Please help me.
Below is the mail which I received. It does not anything which signifies that It is a official mail from SBI.I am also quoting the email which seems not a authentic e-mail of SBI employee.
rahul yadav <sbi.creaditcard@gmail.com>
This mail is regarding your SBI credit card payment for card no
437************73
Your total outstanding is Rs 138831/- and min due is Rs 18500/-
Request you to kindly make the payments before 2th JUL 2015 to avoid legal dunning on the account.
Bank will send notice and police intimation on the below mention permanent
address
No. 14**, Kalyanpur, Kanpur, U.P. - 208017
send your contact number
REGARDS : SBI
