[Resolved]  SBI Cards — Harrassment over phone

Sub - SBI Cards & Payments Services Pvt Ltd, in respect of SBI Account No.[protected] Harassment- reg.--.

I would like to submit the following facts for your kind information and necessary action.
A Credit Card No.[protected] was issued to me by SBI Cards & Payments Services Pvt Ltd, New Delhi under the special scheme ‘Free Card for women’. I had used this card only once. On receipt of their statement the full amount had been paid by cheque which was acknowledged by them.

After that I had met with an accident and was on bed rest for more than one year. In the meantime, the same was informed them that ‘I am not in a position to use the credit card due to my accident and requested them to cancel the above Card’. As instructed by their local executive the card was cut diagonally and returned to their Office, which is the usual procedure if somebody donot want to use the credit card no more.

During November 2004 their local representative contacted me over phone and informed that there is an overdue and has to pay for the same. I explained to him that I have nothing to pay because I had paid the full amount as per the statement immediately on receipt of the statement. Daily he was harassed me and threatened me over phone. Finally he begged for the same and told me that if I am not paid the amount he will lost his job (Shri Bachu Mohammed ph. [protected]). He offered a one time full and final settlement of Rs. 2000/- and issued with a letter to that effect and promised me that thereafter your account will be closed and will not be disturbed anymore. In order to avoid these types of harassment and loose talk I in good faith agreed to that and paid an amount of Rs. 2000/- vide cheque No. 199637 dated 3/12/04.

There was no information from the SBI Cards for more than three years. After a lapse of three years, now I received a Demand notice from Lawyers Inc., Advocates & Solicitors, 205, Vardhman Tower, D-14, PVR Central Market, Prashant Vihar, Delhi 110085 stating that I am liable to pay overdue interest and other charges amounting to Rs. 5795/-. Actually I do not know how this amount comes after the said card is cancelled as per their guidance.

The above facts were informed to their Head Office at Delhi also. Even then I am getting threaten calls from the local representatives.

Therefore, I humbly request your goodself kindly to look into this matter favorably and do the needful.


Yours faithfully,

( KARTHIKARAMAN)