Harassment by icici bank collections

Ms.Aditi,

The law is very clear that these collection agencies cannot take law into their own hands.  Even telecalling has been termed illegal these days forget about these threatening calls.  In usual commercial parlance these collection agencies have certain bucket depending upon the amount and time period.

In my humble opinion at the onset itself you should have taken them to task.  Go and file a police complaint stating the factual matrix of your case and requesting them to trace your phone record in your support.

Last but not least make a written representation to the Bank ombudsmen stating your harassment at the hands of collection agency as they are hired by the Bank itself and Bank is accountable for their actions.   I am surprised as to why the Bank has not approached the court as yet as in most of these cases they rush to the court and try to get marked their cases to the LOK ADALATS who shall be more than happy to settle their cases in bulk.

I hope this clarifies

Best regards

Daksh

In the first place, you should have settled the outstanding loans because you are liable for it.  Your lame excuses cannot be a reason for non-payment.  However now it appears to be barred by limitation hence the bank collection agents are using third degree approach. Nevertheless, you may issue a legal notice to the concerned bank stating that their agents are unnecessarily torturing you by using all type of filthy languages as well as defaming your name by calling your relatives and other friends which is illegal.  If at all they had any claim, they should approach the court and not adopting such  low class steps/attitude.  If this fails to invoke any response, you may think about filing defamation suit.

Sorry repeated due to technical error, hence deleted.