[Resolved]  ICICIcredit Card — Harassement by recovery agent

Address:

South Delhi, Delhi

Dear Sir, I am being humiliated and harassed by one Manish Kumar, who claims to be a Collection Agent of ICICI Bank located at Rohini Branch of ICICI. My Brother with whom I am no more in touch with due to family reasons has apparently got involved with a credit card issue with ICICI (informed by the agent). This was brought to my knowledge about a day ago by the recovery agent and I am completely unaware of this transaction or arrangement. Also, I am in no manner involved in this transaction and my credit history with all my banks is clean and spot-free.

Yesterday (March 12 2012) I received a call from Mr. Manish Kumar from the number [protected], and he started shouting at me for no reason what so ever. After telling him about more than 10 times that I am NOT in touch with my brother, I disconnected the call only to be called again and again by the person in question. He went on to call me on my official landline and to damage my image with the organization I am working for. I have received closed to 12 calls in a span of 45 minutes by this person and all he kept doing was abusing and harassing me. I have also filed a police complaint with regards to the same (complaint number 4205). He was extremely offensive and obnoxious and went on to ask me about my father’s contact details, which I refused bluntly as he is a 60 year old person and I do not want him to speak to this man and get harassed by him.

I have told Manish Kumar repeatedly that now I am not in touch with my brother and I am not responsible for his actions and deeds and he should not call me because as per my knowledge “Third Party Calling” is not allowed. However, he called me again today to inquire if I have any information about my brother. This is harassment by phone! I am a woman and the manner in which this person speaks to me is both demeaning and unacceptable to me. I am writing this mail so that you people can help me as these calls are a nuisance and embarrassing for someone who has never been involved with such issues. I do not want to be held responsible for something that I have no knowledge about.

Please clarify as to what actions I am liable to take on account of Blackmailing and Extortion as bank cannot call on my official and personal numbers when I am not a part of the transaction and have not used the card. Is this the manner in which a bank behaves and also is it as RBI Guidelines (Fair Practice Code for lenders (circular DBOD. Leg. No. BC. 104 /09.07.007 / 2002–03 dated May 5, 2003) as also IBA’s Code for Collection of dues and repossession of security. In case banks / NBFCs have their own code for collection of dues it should, at the minimum, incorporate all the terms of IBA's Code.)

I would request the Bank to please initiate the proper actions in this regards or I will be forced to initiate legal actions from my end.

Vidhi Malla