Cibil used for extracting money
rajesh
(Querist) 18 October 2013
This query is : Resolved
Dear Expert
Recently two days back suddenly my friends my suppliers started getting call from a third party collection agency of kotak bank claiming that they are searching from me as there is some due in my Barclays card which is taken over by kotak.
they claimed that indian embassy has given the details of my friends and supplier. I was in meeting at my suppliers end and it was pretty embaressing for me to receive collection call. I was shocked as In 2009 I finished all my relation with Barclays card paid of everything. After that there was no statement no information nothing as my card was closed.
Suddenly I get this call and I asked them please send me information as which payment is not paid so that I can make it but atleast I should know which one I have not paid.. its more than 4 years now I don't even remember which payment what was the transaction and when I have paid. No one keeps record of payment for so long. I did not receive any closing statement from Barclays even after follow ups. then I left it.
now this third party has put my name in cibil and blackmailing me that unless I make the payment they will not remove my cibil rating. now its unfair that I don't even know what transaction made on which date they are asking, whether my card was used by some one else as I have made all the payment.. without details just to take my name out of cibil I am been forced to pay,
Can any one help me as what is this? as cibil only speaks to bank and they are using cibil to take out money.
How to come out of this.. feels its cheating.. hence I don't want to pay thought the amunt is not big. I am surprised since 2009 no one contacted me and suddenly there are embaressing calls and black mail using cibil.. and I am surprised how indian embassy is giving out data..without verifying why these people are asking.. its shocking...
Devajyoti Barman
(Expert) 18 October 2013
Well, if you have taken money you are liable to make the payment.
Even if they did not contact you in the meantime, you are nevertheless liable to discharge your debt.
There is no authentication either that Indian Embassy has given your address.
So you better negotiate with them and settle for an amount easy for you.
rajesh
(Querist) 18 October 2013
Thanks for the message. I have made all the payments and asked Barclays to close the card. They did not send any statements for many months hence I closed the cards.
Now I have not taken the money then why should I pay? this is my query.
Devajyoti Barman
(Expert) 18 October 2013
If you have not taken the money after closure of card, then file petition in the consumer forum.
You can file criminal case as well against the persons who are intimidating you.
Rajendra K Goyal
(Expert) 22 October 2013
Send a legal notice to Bank and the recovery agent or can file a criminal case also.
rajesh
(Querist) 22 October 2013
Thanks they also know such small amount no one will go into these procedure.
Today I received a word file saying this is the balance but where the amount was spent and which year which date nothing and they called to say prove that you have made payment I said which year u r asking and when this was due at least tell me I shall check.
Now I would like to know what should I do
