Standard Chartered Bank — harassment by standard chartered bank credit card recovery team

Address:

New Delhi, Delhi, 110017

Card number [protected]

I have been a customer with standard chartered bank since 2010, when my salary account was opened. The bank then proceeded to offer me and practically force me to take a credit card with an initial credit limit of 25000 inr. Over the years, as my salary increased, the credit limit was increased to 55000 inr. Last year in september, there was a drastic change in my financial situation because of which i was unable to continue regular payments for my credit card bill, on which i had some loan amount due, too. When people from their collection team started calling me, i told them about my situation and requested them to wait until i was able to recover from my crisis and resume regular payments. They said that they would grant me a loan for the outstanding amount so i could pay it off, but when they learned that my credit card had expired, they refused to sanction the loan and instead started levying heavy charges every month. Since the end of last year they have been hounding me for payments (At one time even turning up at my doorstep and creating a scene in front of my landlord), even though i have made payments whenever possible during this time of crisis.in february this year, they even went to the extent of calling up my wife and a friend of mine in west bengal (My home state) to demand payments. When i complained to their customer care team about this harassment, they denied having called my friend. I emailed the customer care team to ask them to formulate a repayment scheme for me (Taking into account my current crisis), and they refused. Some time last week, they blocked my standard chartered bank savings account which had 3099 inr without any intimation whatsoever. I am a poor man in comparison to what i was earlier and it's true that it may take me a long time to recover and pay them back, but i have always made it clear that i intend to pay them back and not just ignore the dues.

I have attached the email exchange here.

I still request them to consider unblocking my savings account and offering me a viable repayment scheme such as a loan or something instead of harassing me, my family and my friends this way.