[Resolved]  Standard Chartered Personal Loan — Usage of abusive, profane and vulgar language for collection

To,
The Manager,
Standard Chartered Bank
Personal Loan Department.
New Delhi.

Subject: - Usage of profane, vulgar and abusive language on call.

Sir/Madam,
This in regards to the personal loan installment. I need some answer regarding the late or non-payment of personal loan installments. What are the consequences of not making or making partial payment of personal installments?

I am sure due to any reason if the payment is not cleared; bank has the right to fine me. I do agree to make the late fee or fine or extra payment. According to the personal loan contract between me and the bank, I am liable to make go along with the bank and the rules and regulations lay down by Standard Chartered in accordance to Reserve Bank of India. However the same rules and regulations apply to the bank.

I need some answer to the question that rose after the calls, I have received from the Standard Chartered Bank collection Team. What are the methods that a customer care collection advisor should behave?

The following are the questions: -
1. Do I need to prove my worth to the bank after paying 16 installments?
2. Do I need to prove that I am not a liar?
3. What is my worth (in money)?
4. Who provided the authority to the customer care advisor to take about my integrity on the call?
5. Who provided the authority to the customer care advisor to use abusive, profane and vulgar language for me, my wife, my parent and my parent-in-law?
6. Do I need to show the proof to the bank with evidence that I was out of station?
7. Do I need to prove it to the bank whether I have the enough money to go out of station for official work?

Details regarding my personal loan account are mentioned below: -
• Account number:[protected]
• Name: - Vishal Gupta
• Address: - C-114, D. D. A. Flats, East of Kailash, New Delhi-65.
• Bank account no.:[protected]

I received calls from the collection department on regular basis. I was out of station. My wife received about 3 calls again from collection team to pay installments. The advisor at the collection helpdesk called my mobile and informed that she needs to deposit the amount today any how or face the consequences. My wife denied saying that it would me (card holder) who deals with all this. She then threatens my wife and started to use vulgar, offensive, abusive and profane language.

I would like the department to check the authentication of the call for further inconveniences. I could have also used a spy call facility to record the call and send the recording to you.

I would request you to please check into this matter. If any advisor is trying to teach me law, then according to the system I have the right to go to law. Please ask the advisor not to use any such tricks of the trade with me in the future. Not to use profane, vulgar, abusive and threatening language. I could sue and go to law for the harassment and threatening calls. Please hear the entire calls that we have received.

I would request you to please check into such cases again. I would request you to please do not call me for any non-payments. Bank has the right to sue me, take me to the court or charge me the penalty according to the rules and regulation of Reserve Bank of India.


Thanking You
Vishal Gupta.
Dated : - 18/09/2008.