[Resolved]  Standard Chartered Credit Card — Debt Collection Agency Harassment

Dear Sir/Madam-

I am Srinivas Murthy Kamarajugadda. I work for a Private Software firm in a Managerial position. I used to hold a Credit card of your bank in 1999/2000 issued when I was in Pune.Later I had to move to Delhi on deputation from my employer and have changed the communication address for my credit card accordingly. I used to pay my debts in time. I had to fly overseas for an assignment after that and I couldn't update my address details with your bank. Later I lost my card and had tried reaching through customer service numbers to find out the details but in vain as they needed my card number and other details of my previous communication address etc., which were not available with me. To my knowledge there weren't any dues so I stopped worrying about the same.

I have received a call yesterday suddenly from a person named Mr.Yadav from Delhi saying that he is from Delhi Police and he has a warrant against me. He insisted me to speak to Mr. RK Sharma (Cell: [protected]) attorney for this case. I called up Mr. Sharma and in due course he started making me restless over the matter asking me to settle 2lacs in 1 hr other wise he threatened me of dire consequences leading to persuation of my office premises and taking my boss into custody (as I was on vacation to my village and not available in office) or otherwise my old parents at my residence. From the discussion I got to know that there were 2 summons sent to the Delhi address where I wasnt available. But they couldnt send me the same to my current address though they had it along with my current home phone number. In a span of 2-3 hours I was harassed from a landline and a cell phone number mentioned above multiple(5) times humiliating me for having not paid the dues from long time and for not being able to accumulate the said 2 lacs in 1 hour.

Later I asked Mr. Sharma to provide me with Authenticated details of the debits/dues related to my account for me to validate. I assured him that I will make the payment post my verification and discussion with a Bank personell as per the advice given by my lawyer and local police. Mr. Sharma didnot show any intention of sending me the statements instead he started using a much more filthy language than before and started abusing my wife and scared me of worst consequences. I have been repeatedly asking him to be in control as I am not denying to make the payment and only that I want to see some authentic statements pertaining to that as per the "Right To Information Act".

I agree to the fact that there has been a mistake from my side but with the circumstances mentioned above it was overlooked by me. I regret for the inconvenience caused to the Bank because of this. I am willing to pay the settlement amount after having a close look at the Authenticated statement and discussing with a Bank Personell this time. I request you not to allow the above said person to contact me any longer as it is very intimidating, humiliating, Harassing and threatening. Also this goes against the RBI ruling "RBI / 2005-06 / 211
DBOD.FSD.BC. 49/ 24.01.011/ 2005-06 Section 5.III.C" and the recent Supreme court ruling on Debt collection.

Thanks to understand my situation and request you to send me the Authenticated copies of my Credit card([protected]) statement post which I will definitely oblige you by settling my dues at the earliest.

My Contact Details:

[protected] or [protected] (Cell)

Address: K. Srinivas Murthy, 98/B, Road Number 5, Sowbhagyapuram Colony, RK Puram, Hyderabad -35.

I would also want to let you know that I will not be lifting any calls from the above mentioned numbers and persons any more.

Thanks & Regards,
Srinivas Murthy