I was holding a Stan Chartered Manhattan credit card account. The story is like this.
Intially somewhere in Mar/April 2008, I got a call from one of their tele marketing agent offering me a loan of Rs 70, 000 which I had to pay in 3 installments. I accepted that and had paid the first installment on time but when the 2nd installment was due, I was out of the country on an official assignment to the US so I missed that. However, I had left my cell phone with my wife and someone from their collection department (Yash, cell # 9999563496) called my wife and threatened that if she does not pay the min amt, he will send police at our place. Later when I came back in Sept, I called them and had discussed the matter with the customer care executive who had called my wife in my absense and he mentioned an amount of approx Rs 68, 000 something against an outstanding of Rs 71, 000 something and told that post this payment I don't need to pay anything. Post that I thought that everything was settled but to my utter surprize, got a call from their collections department from a lady (I am not sure of the name but sounded like Centra, cell # 9990988238)told me that there is some outstanding on my name... which was not correct. Though after discussing the matter with her she told me that Yash might not have forwarded my case of the closure and now she will do it for me and asked me to make a payment of Rs 350 which I did. And again in April I got a call from the collection dept that there is again some outstanding showing against my name which per me was totally base last and I called up Centra again and she told me that she will look into the matter and will call me next day to tell the status of the matter. I was asked again to make a payment of Rs 674 by her and not sure how this amount was calculated and she assured me that post this payment I will neither get any collection calls nor there will be any outstanding against my name and the matter will be resloved at the bank's end itself so I was relaxed.
I got a shock of my life again when I received a call from your Write off department (Phone #01143088220/222 cell # 9873325578, Anju)that there is an outstanding of Rs 15K which is a totally illegal amount and the executive even used abusive langauage and words like "Chor" and threatened me that if I do not make the last quoted settlement amount of approx Rs 6K, she will send this to CIBIL.
I was completely mislead and false commitment were made to me by your executives and now that I am so much mentally tortured and harrashed by their collection agents.
Please help me in addressing this matter to the appropriate forum

I had also raised a customer query to their customer care dept via email dated 20th June and received acknowledge with Ref No: 06/09/039499.

Feel free to call me at 9899107825.

Regards
Sushil