Hi members, I defaulted on SBI card and last payment made was on jan 6, 2016. In 2019 i got letter to attend lok adaalat mediation center and then got deman notice. I ignored both of them and now I got Inviation of concialation under sec 62 of arbritation act and its also mentioned that If i ignore this they will file civil and criminal case. Since 2016 I am getting statments in emai. Also I sent few emails in may 2016 to settle the debt but nothing happen and since thwn there is no communcation done from my end.
Please suggest is my debt time barred which is for 3 years after my last payment
