ICICIcredit Card — ICICI Credit card - harrasment for payment stating that having non-bail arrest warrant under section 420 and 406 | |
Hi, I am scared about the call I got today from a person saying that he is Delhi Police inspector. He has non-bailable arrest warrent under section 420 and 406. He hasgiven number of an advocate. I called him,he was saying that he has an arrest warrent for not paying the credit card payment of outstanding amount 1,12,000. But I had transaction of 20000, and 20000 balence transfer (Total 40000+). I am in a position to pay that amount. I requested him for the settlement. then he said make the payment of 700000 immedaitley and if not paid immediately they will send poice to my home. They asked my addresses also. I am ready to pay the amount in EMIs, But I am not in position to pay that much amount. I requested my friends, they said they have their personal requirements. Please give me you valuable suggestions and help to come out of this. How much I can request for settlement.? Please need your valuable suggestions.. I am very scared about that and my family members also very scared abut this. Thanks in advance.. Venkat He Was this information helpful? | |
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ICICI Bank Towers, Bandra-Kurla Complex, Mumbai, Maharashtra, India - 400051
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First contact an advocate from your side.
If the credit card guys are talking rough, record the conversation. If they come over and harass you, get a photograph.
Whenever the credit guys call you, conference your advocate to them.
Instruct your advocate to send a legal notice to the bank and also ask him to state in the notice that unless you receive a notice, you will not make any payment. Also inform the mode of payment (EMI or one shot settlement) to the bank.
If the bank says no to your settlement, then the case is filed and is settled thru lok adalat. if not thru the court. You might be spending around 5 K for advocate charges but this is much better than paying 70000.
Also read the reserve bank guidelines for issuance of credit cards.
The first question you get from the credit guys after contacting the advocate is "Why did you contact the advocate?? Did you contact the advocate when taking the card?? "
Your reply should be a nail in the coffin.
Please tell them politely that " Contacting an advocate is my own wish. I do not have to take your permission for that. Its not my responsibility to contact an advocate when I take the card. Its yours. The reserve bank guidelines first point is that unsolicited cards should not be issued. It doesnt state that unsolicited cards should not be taken." :)
Hope this helps.
I know they are very rude and keep calling. Just say this everytime they ask. When the intention to pay exists, these people cannot be rude with such guys!
All the best n regards!!