Hello All to respected members of this community.
I am messaging to seek advise on one of my credit card settlement.
I had a credit card in 2003 with one of the banks, and The last payment was on Nov 2004. I know for sure i had some dues and not exceeding 15000.
Last two weeks ago, one from the bank collection called me saying that i had 2 lakh ruppes to be paid.
He then settled for 40 thousand to remove the name from cibil and 34 thousand for settlement.
I queried CIBIL for my recent report and found no records of such a card.
But my earlier CIBIl report had the mention of the card and the amount.
DATES
DATE OPENED/DISBURSED 20-03-2003
DATE CLOSED -
DATE OF LAST PAYMENT 30-11-2004
DATE REPORTED AND CERTIFIED 03-12-2012
COLLATERAL
VALUE OF COLLATERAL -
TYPE OF COLLATERAL -
STATUS
SUIT FILED / WILFUL DEFAULT -
WRITTEN-OFF STATUS WRITTEN-OFF
WRITTEN-OFF AMOUNT (TOTAL) 25,182
WRITTEN-OFF AMOUNT (PRINCIPAL) 19,629
SETTLEMENT AMOUNT -
PAYMENT HISTORY (UP TO 36 MONTHS; LEFT TO RIGHT BEGINNING WITH THE MOST RECENT PAYMENT)
PAYMENT END DATE 01-01-2010 PAYMENT START DATE 01-12-2012
I requested them to send a statement for the last six months from the time last payment was made and susequent 5 months from then on, i.e Nov 2004 to April 2005.
All they sent is a statement of feb 2014, mentioning the total amount, card number and adress and it was a plain copy, with no bank seal, or bank logo, but i can verify it was sent from official bank domain.com
They called me to confirm that i have received.
I asked them for the 6 months statements as above, but told they cant generate and then later told that it will be charged 150 rs per statement and also that they cannot generate only 6 months statement but the whole tenure, amounting to 7000 rs.
I told them , we will discuss of payment later, but to send the statement first and they are not agreeing.
They have now threatened me to send legal notice to my office and notify my Boss.
Please advise Sir.
I can furnish more information as required.