Mr. Daksh has given valuable advice. Kindly follow it.
The card dues were collected from your Bank a/c ………………………….
After the collection of full amount of the last bill was there any balance amount?
Had you instructed the bank for auto debit?
Had you been into any dispute with the bank and had the bank issued any notice to you?
Was there any annual membership fee/charge on your card?
Had you registered for e-bill/ e-statement? If yes you need to relate.
You may demand in writing, all bills on your card from the last bill and company is under obligation to supply and if reqd. you may demand certified copy of the charge slips as well.
This bank is notorious. Despite the judgment by Supreme Court against this bank, this bank is still indulging in such practices thru recovery agents.
RBI has issued guidelines to banks and CC companies which they including this bank have been flouting.
As per law and Supreme Court judgments, the Reserve Bank of India Guidelines are statutory and mandatory. The violations of RBI Guidelines by banks constitute an important defence for the borrowers and guarantors.
The matter may be brought in the knowledge of Chanda Kochar Chairperson of the bank and RBI:
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
. 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
You may go thru another interesting thread:
https://www.lawyersclubindia.com/forum/Harrasment-by-icici-banks-recovery-agents-76271.asp#.UUc5U0pFZ_4