Reserve Bank Of India (RBI) — WRITTEN OFF DUES IN CREDIT CARD

Address:

Chennai, Tamil Nadu

I was holding an ABN AMRO Bank credit card issued in the year 2005 and closed the same after having made all the dues with the card in JUne-2006. I did not receive any statement from the Bank after then. I remain stayed in the same address recorded in the bank application till 2012 and hold all documents for evidence. Since there were no further communication, I destroyed all the documents while changing my residence in 2012. Meanwhile, I have found in my CIBIL report that some dues were written off by Royal Bank of Scotland which I understood later that RBS took over ABN Amro. The written off amount was principal Rs.350/- + interest. I did not get any call from RBS also with regard to the dues in my ABN Amro Card. Recently, I got a call from Kotak Mahindra Bank, stating that I need to pay some Rs.2400/- due against my ABN Amro Card, else legal proceedings would be initiated. Kindly let me know, a bank which has written-off one payment of Rs.350/- shall be claimed by another bank which has taken over the other bank. I would not mind to pay the amount demanded by Kotak Mahindra Bank, but before that I would like to know, is this correct by Kotak Mahindra Bank to claim a written-off due by RBS.