Fullerton India Credit — Request for Temporary Financial Relief and Understanding Regarding Outstanding Credit Card Payment

Address:

Bareilly, Uttar Pradesh

Request for Assistance and Compliance with RBI Guidelines

Dear Customer Support,

I hope this email finds you well. I am writing to you under distressing circumstances and with a deep concern regarding the recent treatment I've been subjected to by your collection team.

In February of this year, I unfortunately became a victim of cyber fraud, resulting in a significant loss of funds. I want to reassure you that I promptly reported the incident and filed a complaint with the relevant authorities. Despite my best efforts to cope with the financial aftermath, I am currently facing an unprecedented and challenging situation.

I want to commend your team for their previous understanding as, for the past months, I diligently made timely payments on my dues. However, my financial condition has taken a severe hit recently, and I find mysel[censored]nable to settle my pending Paytm postpaid bills promptly.

I am fully aware of the importance of meeting financial obligations and want to assure you that I am committed to repaying the outstanding amount. Unfortunately, the repeated calls from your collection team have not only added to my stress but have also crossed the line of legality.

Regrettably, your collection team has been contacting me multiple times, even after explaining my situation. Moreover, they have taken it upon themselves to contact my friends and relatives, causing unwarranted distress to them as well. This behavior is not only unprofessional but also in direct violation of the guidelines set by the Reserve Bank of India (RBI).

I must bring to your attention that some agents from your collection team have gone beyond professional conduct by sending threatening messages on WhatsApp, implying a visit to my home for debt collection. Such actions are not only unethical but are clear violations of the rules and regulations set by the RBI.

While I am more than willing to work towards settling my outstanding dues, I am currently in no position to make an immediate payment. I kindly request that your collection team cease the multiple calls and harassment of not only myself but also my friends and family, as per the RBI guidelines.

Moreover, I seek your assurance that no further threatening messages or visits to my residence will be attempted. I understand the seriousness of my financial commitments and assure you that I am actively working towards a solution.

I kindly request your understanding and cooperation during this challenging time. I am ready to collaborate with your team to find an amicable resolution that aligns with both my financial capabilities and the applicable regulations.

Thank you for your prompt attention to this matter.

Sincerely,

Tahir Ansari
[protected]