Credit Card

You should settle the issue with the bank and stop all litigation otherwise pending litigation no bank can be forced to advance you loan and no court can help you in this matter.

Sir, i think your answer is acceptable till some extend, but, i have not done anything wrong, why should i pay for it,

Even i was ready to settle the matter but they are charging me a lot and again they are harassing me ,

i can go thorough the hnbl.court and filling a complaint against them, who is harassing me,

I can do this or not?

i think court can give me the right judgement. i have no idea about the court procedure, but i think it will give a light to my case and i'll be in the position to negotiate/settle  the issue,

please correct me if i'm wrong  

 May I venture to offer an advice?

Credit card is useful.

BUT get rid of it to be more useful.

Your issue seems coming under the purview of 'deficiency in service'. Try the following;

1) Issue a legal notice ,pointing their deficiencies in rendering services and claim some  reasonable damages for the wrongs caused by the Bank ,  and instruct them to comply within 7 days. If not, prefer a consumer complaint against them. In my opinion, that is the way  to bring them for a closure of the issue and through them , sort your grievance with regard to removal of your name in the list.

2)In the same notice,  instruct them to restrict their illegal activities forthwith and demanding in person through goondas and other rowdy elements are illegal and so many decisions, suggesting police to take action, if a complaint is duly preferred against them, At most, even you can prefer a complaint u/s 156 (3) Crpc, in case your complaint before police does not warrant any action.

 I really appreciate for your above advice, this way we can stop them, i'll do this,  

 Write to RBI too.