To All Honr.Members,
"I have my job's ups and downs since last year. Lost 4 jobs and from last job have not recieved any salary for 3 months. I am in complete mess. Now i am the whole and sole earner. I am looking out for a new job. My current outstanding with the bank is Approx 96000. I have been paying regularly on my card since the issue date. But the current situation is i cannot even pay the minimum due. I do not want to give any false commitment to the bank. Situation right now is out of my hands. I would like to speak to the bank and come to a middle ground. Please help. Also one of the agent i spoke to over the phone was of no help and a collection team person has been to my doors but is very reckless in speaking. Require attention over the same." - I had sent this email to the bank in the month of February, thereafter i had visited their Branch Kalina and explained them the entire scenerio.
This was the 2nd Mail i drafted them Yesterday :
This is in regards to non payment of my Card No : xxxx5370. As you can see the email followups, i have been writing to the bank about my problems and also have been speaking to various people in your bank, have come down to your Head Office in Kalina and have spoken to person name Adil, Over the phone with Vishal who had asked us to make a payment of 500 Rs and who told after this payment case will be with him. There after i am still getting lots of calls and people coming to my place. One of them is Shyam Rajwal who has come to my place in my absence and has been threatening my wife, creating nuisance in the vicinity, trying to shout and gather neighbours, my wife has asked him to come when i am present. also she has spoken to his Manager Tushar over the phone who is also rude and threatening her to make payment anyhow. Dear team, i have lost 3 jobs last year but still was able to make payments on time, my wife is having spinal and mental issues for which her treatment was going on last year right now i have stopped because i cannot afford the treatment and she is unable to work as of now. My sister was working but she is married last year. I was the whole and sole earner of the family. As of now i haven't been paid from my previous job amount of 80k + and i am trying to chase them, my rent is pending for last 3 months, i have been managing my payments last year after job losses but this one was big for me. I am trying to find a good job but to my avail not able to get any. Checking of my current situation even if i get one i will not be able to repay the entire amount immediately. I therefore request the bank to come to a middle ground. Fix one amount, equate it to a monthly EMI of around 2K coz my salary wont be above 25k and i have to manage other expenses and give me a final closure letter on that amount. I am ready to go down this path starting from 2 months down the line. I have spoken to multiple people over the phone but they are not ready to give the solution. In case as my wife stays alone at home and she is being threatened also she has gone through trauma in the past, if anything happens the person for collection will be responsible as they have been informed to come when i am at home. Its a request to understand my situation and take into consideration and come to a middle ground to a solution, its been 2 months i have been chasing it. This type of behavior i will have to file a complaint in banking ombudsman for such type of people coming to my house. and followed by this i spoke to them today and again they were having this attitude that we have legal notice rather you are there or not at home, even if my wife is alone they have the authority letter to come and sit at my place. Yesterday my wife asked him to come home when i am home since she was alone, that guy was forcing to come in.
Today i had sent one more email to them about conversation with these guys and a complaint to ombusment.
"I have spoken to Adil and Tushar today over the phone today and have asked them to come to a solution. They both are very rude and have been asking payment. I have told Adil i will be able to pay from next month that too amount of 2 - 3000 k per month. I have asked them to come to considerable amount and help me out with a loan or a permanent clousre of account with a fixed monthly payment. They are sending this guy named Shyam to my place stating he has the authority to sit at my place everyday until 7 for the payment and even in my absence if my wife is alone they will still send him to my place. Its since Feb i have spoken to Adil and their actions are the same about recovery agent harrasing and shouting. Threatening to take payment anyhow going to society office and defaming. Hence, i spoke to them again for the last time and they were still the same. I ahd written about this the last time and spoken to Adil about it when i was in branch. I have filed an official complaint to Banking ombudsman of RBI as its more than a month as there is no action being taken. Attaching the copy of the same."
Today i had sent one more email to them about conversation with these guys and a complaint to ombusment.
"I have spoken to Adil and Tushar today over the phone today and have asked them to come to a solution. They both are very rude and have been asking payment. I have told Adil i will be able to pay from next month that too amount of 2 - 3000 k per month. I have asked them to come to considerable amount and help me out with a loan or a permanent clousre of account with a fixed monthly payment. They are sending this guy named Shyam to my place stating he has the authority to sit at my place everyday until 7 for the payment and even in my absence if my wife is alone they will still send him to my place. Its since Feb i have spoken to Adil and their actions are the same about recovery agent harrasing and shouting. Threatening to take payment anyhow going to society office and defaming. Hence, i spoke to them again for the last time and they were still the same. I ahd written about this the last time and spoken to Adil about it when i was in branch. I have filed an official complaint to Banking ombudsman of RBI as its more than a month as there is no action being taken. Attaching the copy of the same."
Please advice further as they are calling me daily and a lot and asking me to do the payment anyhow, speaking to my society watchmen, thereatnening about payment, threatening to come to house when my wife is alone. Even the guy at the bank is very rude. My current condition is way worst and they are pressurising a lot on me. Please help team any advice how to resolve this situation.
