Hi,

I had a standard chartered credit card, as i lost my job. I thought to get the dues settled due to the pressure
from the recovery agents. and the recovery agent gave me a settlement letter as well. by saying that you have to give the cheque for all EMI. And when i informed the cheque which i have issued from the account is a salary account. and there would be no salary credit on that account. The agent from the bank said that the bank would send agent to collect EMI every month and would return the cheque to you. Going by his words..i gave all the cheques no one came with cheques..i gave EMI on time. when asked what happened to cheques. they would have no answer to it.

Then i stopped giving money, because all my cheques were getting bounced. and i told them if they return the all the cheques then only i would be making payments. And they have been miscommunicating all this while.

Now the bank says i have to give 28, 000 as it is my outstanding balance.
However i was only left with 6000 more to pay to complete the settlement.

Is it my fault that i asked for the cheques which was taken from me by misguiding.

Does a consumer have right to ask what is happening on the account.

NOBODY FROM THE BANK IS CLEAR WHAT IS HAPPENING ON THE ACCOUNT AND WHAT WAS THE AMOUNT LEFT ON THE SETTLEMENT. ALL OF THEM WOULD SAY YOUR ACCOUNT IS IN THIS
BUCKET OR THAT BUCKET. YOU HAVE TO MAKE THIS PAYMENT.. y should i make the payments.

Now that all the cheques have been bounced i want the bank to consider the fact and settle my account with the amount left. and want it in written that i would not be charged with any act.