[Resolved]  ICICIcredit Card — threatening calls from recovery agency appointed by ICICI bank

Address:

Gurgaon, Haryana

This refer to the ICICI Bank's appointment about the recovery agency, they are calling from different numbers and different names. upon asking them they are calling from they simply says that calling from ICICI Bank and when i am depositing money.

i started recieving calls since 28th September 2010. First i got call from Number [protected], who did not disclosed his frist name and only mentioned his surname as YADAV. and said he is calling from ICICI bank, and is calling form recovery devision, which i honoured and i attended call and told him that we can meet and discuss the same as i have clear intention of paying the amount in full and final, which he said that we will ensure the waiver fo the interest and i only need to pay the principle amount as full and final payment to bank.

i said what ever way, as i have very clear intention of paying back all dues, he called me asked me baout my residencial address which i shared with him and also said that come on saturday as that's our off day and am available at my residence whole day , which he confirmed to come on saturday i.e 9th October 2010. he called me at round 10.25 and again confirmed my residence address which i confirmed him, i was waiting for him tilll evening and round 6.00 P M i called but his number was out of reach.

He again called on 11th October 2010 and said i can come today as your (My) office is in Gurgaon only so it is convenient for him also to come and meet me which i said come at 4.30 and i confirmed him my office address as well. he did not came and on 12th October 2010 he called again and said that he was to attend training programme after 4.00 P M so he was unable to come and meet me and i confirmed him to come at 11.00 A M , which he came along with another person, from their appearance only i realised that they are not bank employees and i asked them are they from recovery agency or from DSA which he said does not matter as we are employee of the bank , i asked for their identification and they said they dont carry all the time with them, i asked for business card which they said all these are waiste of time and energy i need to give them money or tell then they they can come and collect it, i said i have clear intention of paying money and would not give you the money only to bank or bank representative only, but he got annoyed and connected call to someone named Pankaj, and made me speak to him , upon speaking to him he become very absuive and thearteniing, then i told them to go and follow the legal procedure which they said that they have their own legal procedure. i got sacred and felt life threat to me and my family. i asked them to behave like human being and i have been very gentle nice to them during all the days they are calling during thier meeting although it was not established that they are bank employees then he told me ""teri ooutak kya hai... hum ne police main naukri ke hai.. sab janete hai... our tu nahi janta hum kya kar sakte hai....""
upon very nice to him again and requested him that can i speak to anyone from the branch he is representing then he connected to someone named Mr. Niladhari Debuy ([protected]) who was really nice during the conversation and told them to leave from my office immediately and assured me that no one will call me as i requested him that i will persoanlly visit the branch on saturday i.e 16th of October 2010.
on 14th October 2010, i again got call from[protected] confirmed his name as Vikram, who again started when i am depositing the money in the bank ... i asked him that i had word with Mr. Niladhari who assured me that noone will call me as we have scheduled our meeting but he continued that i have to deposite money or when can he send someone to collect the money, or when i am going to deposite the money. I told him that after yesturday's insident i have already written to ICICI bank and Banking Obsdm. about the calls and the procedure followed by bank for recovery, which he said does not make any difference i have to pay and i have to , which i told him i have never refused but only requesting for nice and gentle behaviour and once i have confirmed that will be coming to branch on 16th October 2010 and assured by Mr Niladhari Debuy taht no one will call me till then and if need be he himself will call me, he continued then i requested him that end the call and confirm with Mr. Nildahari Debuy about my conversation with him.

with all this happening with me i am feeling little unsafe as recovery agents appointed by bank has done damage to my reputation in my office by creating schene and speaking loudly in the office, two given me lot of mentle disbalance , disturbance in my persoanl life.

I need guidlines on the procedure which recovery agencies need to follow and Bank need to follow, also what is standard indian law practice to settle the due without further disturbance and in most amicable manner which does not spoil my image further in my work place and no disturbance to my family and life security.

My details are:
name: gulshan singh chib
credit card no. [protected]
bank ICICI (VISA)