Credit card issue
Irshad
(Querist) 04 February 2013
This query is : Resolved
Dear sir,
I had credit card with x bank 6-7 years ago and at that time even then i made the payment ontime the interest was forced on me and i was talkin to their higher ups and was told tht i will receive call and then i was transfered to other state and was not in touch with them.
Now i m receving calls from y bank stating that they have taken over from x bank and wants me to pay the amount along with interest but they dont have any records of my credit card statements and even i dont have it as the transactions and payemnts were done 6-7 years ago.
Now they are harrassing me calling frequently to pay the amount and saying the they will take legal action against me.
Please advice what all information i need to gather from them if i have to face them in court.
Pls advice.Thanks in Advance.
Regards,
Irshad
Guest
(Expert) 04 February 2013
Without the names of the banks, how we can know that the "x" bank has actually been taken over by "y" bank?
Irshad
(Querist) 04 February 2013
X-Barclay credit card
Y- Kotak ( Receving calls from them)
Guest
(Expert) 04 February 2013
Barclays bank or Barclay credit card?
So far I know, Global credit card business in the name of Barclaycard is still handled by Barclays bank.
Irshad
(Querist) 04 February 2013
Thanks for the info, i m receiving calls from kotak saying that they have taken it over from barclaycard.
Irshad
(Querist) 04 February 2013
Thanks for the info, i m receiving calls from kotak saying that they have taken it over from barclaycard.pls advice
ajay sethi
(Expert) 04 February 2013
if you jhave not acknowledged liability nor made payment claim would be barred by limitation
Irshad
(Querist) 04 February 2013
sir, please explain in simple english i m very bad in understanding ..
Thanks in advance
ajay sethi
(Expert) 04 February 2013
you wont have to pay . only if you have made payment in last 3 years would you have to pay
Irshad
(Querist) 04 February 2013
Thanks alot sir..
Guest
(Expert) 04 February 2013
It seems, only some agent is calling you, not the Kotak.
On receipt of any call in future in the name of Kotak, you just ask them to provide detailed Credit Card Statements with debit and credits of each month after your last payment. They won't be able to provide you, if they are the recovery agents.
If any agent visits you personally without credit card statements and thrust undue pressure, ask him/them to show their bank's identity card, take a copy of the ID proof, call police by dialling 100.
Irshad
(Querist) 05 February 2013
Thanks for ur time
Guest
(Expert) 05 February 2013
You are welcome.
Irshad
(Querist) 07 February 2013
Respected sir,
pls advice wat shud be my next step.
