my name is chandraprakash tripathi, i have taken a credit card of axis bank, and the card was issued to me somewhere on , on card its valid from 07-12/2007 and valid through 12/10, that means card was issued to me in in december 7-2007, now i defaulted in payment and my card was blocked by axis bank, but after blocking the card i never got any call or intimation from the said axis bank regarding the payment, no notices nothiing till date, now all of a sudden recovery agent appears at my door on 17-07-2013 regarding payment of axis bank, now my conditon is not such i can make a single payment,, what i want to know is is axis bank legally in position for asking money say almost sleeping for 5-6 years, no notice or nothing was sent to me ever, what is the legal steps i can take as i have a family and when i am out the recovery agent will come and try to humiilate and embarass my family, also i dont have any single rupee to pay and if law says i have to go in jail for that i am ready, pls help, i stay in nallasopara west.
