ICICIcredit Card — Threat from recovery agents after making full payment

Address:

Faridabad, Haryana

Complaint against the ICICI Collection agent harassment

Dear Sir,

I need to bring to your attention my experience as an ICICI Bank customer.

My Name is Sahil Jain residing at 520 Sector-16A Faridabad - 121002. I was using an ICICI Credit Card # [protected] which is about 5-6 years old and due to some problems with the bank I had stopped paying the credit card dues. After about 2 years I got a call from the ICICI Credit Card legal team stating that they would like to do a full and final settlement on my card and if I am ready to pay Rs. 28000 as a 1 time payment, all my dues would be clear and I would receive an NOC from ICICI on my credit card and my name would be removed from the default list in CIBIL as well. I agreed to make the payment to close this bad debt and then they sent an ICICI representative to my house with the settlement letter (Attached) and I gave him a Cheque (#672042) of RS. 28000 for which he gave me a receipt (attached).

I checked into my bank account after 4-5 days to see if my cheque has been cleared and I saw the cheque had bounced due to the signature which is a human error and I immediately called the ICICI Bank customer care no to find out how I can make the payment as it was a human error and I didn’t want the bank to think that it was deliberate. After explaining the entire issue to the customer care representative he suggested I either go to the bank to deposit the full amount or make the payment online using the ICICI Bank website. I immediately logged into the ICICI Bank website and made the full payment of Rs. 28000 towards the settlement (attached) .

After 2-3 days of making the payment I received a call from the same person from the ICICI legal department to inform me the cheque had bounced, and I informed him that I was aware of the same and therefore I immediately made the payment online and gave him the reference no. He told me that since I made the payment then everything is fine and he will take care of the paperwork and I will get the NOC in 30 days.

If i had any intentions of not making the payments, i would have not called the ICICI Bank customer care no myself to enquire how i can make the payment due to this human error and immediately make the full payment online.

After 1 month of all these events, I received a harassing call from Mr. Aditya Dhanraj whose cell no is +91-[protected] and he started threatening me. He claimed he is calling from the ICICI Legal team and said that I have dues which I need to pay and I informed him that I have already paid the full and final payment on which he started threatening me that he has my home and office address and he is going to come and beat me and my family up and will ensure that I pay the amount or he will create a nuisance in my office and ensure I get kicked out of my office. The very same day he had called my office HR Department and started threatening them that your employee has a credit card debt and if he does not pay they will send 4 men to the office to get the money out. My HR department was aware of the entire series of events and they informed him about the payment being made on which Mr. Aditya called the Managing Director of my company and started creating a scene in front of her. Mr. Aditya has been calling everyday and threatening my office staff of dire consequences.
I am not sure what do to at this stage as I fear the way Mr. Aditya Dhanraj has been calling and threatening me and calling my office, he will either cause harm to my family or my job.

These are not the only statements that the bank executive used, but were also accompanied by an offensive and abusive behavior and language, which is legally and ethically against the Human Rights and Indian Penal Code.

I would request you to kindly advise if I should file an FIR against ICICI bank and Mr. Aditya Dhanraj. I am not sure at this point how to get rid of this guy who has been harassing me and has been calling the senior level people in my company which could easily cost me my job.
I would also like to know how I can obtain the NOC from ICICI bank which they have not sent me till now and get my name removed from CIBIL.

PLEASE NOTE THAT ALL THE EVENTS STATED ABOVE HAPPENED BETWEEN THE TIME PERIOD OF MAY 2010- JUNE 2010.
We hope that you take note of this experience and help us.

Appreciate all help & support.

Thanks!
Sahil Jain
+91-[protected]