credit card collection agent issue

Can you please tell what for the reference numbers were given?  For merely keeping it in contact list?

For Collection agents that purchase such defaults account as a package from Banks has no such mercy and consideration to recover the amounts.  The harassment may be at peak and they do not spare any one and resort to any step for recovery including kidnap and threatening to sell away the kidneys etc. They have not spared even Judges, CEOs of most reputed companies and you can not believe their net work and the main persons behind those companies.

Though RBI has issued circulars against the threats from agents, every one can not afford to file a complaint against such harassment to police.

The best way is to pay compromised amount, and taking a decision not to touch credit card any time in future.

Those defaulters who care for self respect do not even hesitate to commit suicide and such is their harassment.  Before taking up they prepare a paper on background of the defaulter, identify the weakness of the borrower/defaulter, his daily routine etc.