[Resolved]  Kotak Mahindra Bank — credit card payment coercing

Address:

Kolkata, West Bengal, 700060

My name is Nicola Inez Jordan. my CRN is[protected]. I had a delayed payment on my credit card in the month of July 2017. the credit card department put my salary account on hold and withdrew my entire salary towards my card and was literally forcing me to pay the entire amount at one shot. I am a salaried person and only earn 30000 I have my whole family responsibility where my rent alone is 9000. I have no paid it as after my salary was withdrawn it put me in a lot of debt. now the credit card collections have come to my office and has made my issue a cheque of 53000 as settlement when I don't have the funds. my cheque bounces and they came to my house making me send an email that by the 25th of April I will pay the cash. I told them I don't have the money and I need time but they did not listen. I am a single woman living alone with my 2 girls and I had to send that email bit I think this is harassment and I will take this up to the police and get them involved if these people come back to my home as they had also made me speak to a person called Gopal Dastidar who told me over the phone that he is in collections and he knows how to get the payment out. this is not a good thing as it's making me nervous of these people. I do understand that I am a defaulter and I have asked for time but they have forced me to send this email. Kotak bank needs to take some action as this is not the way. I will pay my dues but I will need time I do not earn as much to pay all in one go and because my salary account was put on hold my personal loan emi also bounced since then. this has put me in a very poor situation as I cannot even go to a bank for a loan to pay the credit card. if i do not receive a reply or an action I will put a harassment case on kotak mahendra.