kartik
HARASSMENT CALLS FOR REALIZATION OF PAYMENT DEFAULTS ON CREDIT CARD AND LEGAL RECOURSE AGAINST BANK
kartik mago 1 Apr 2019

HARASSMENT CALLS FOR REALIZATION OF PAYMENT DEFAULTS ON CREDIT CARD AND LEGAL RECOURSE AGAINST BANK

A number of cases have been listed wherein the bank officials repeatedly call and harass the customers for payment of debt. They call through anonymous numbers and sometimes even abuse the bank customer, thereby crossing all the moral limits. This imposed a serious problem of anger and rage within the customers and by seeing such behavior, the bank officials are avoided by them because of their abusive language etc..

The Reserve Bank of India had released some guidelines in this regard. The credit card holder who has failed to make payment can opt for the following recourse when harassed by bank officials:

Police Complaint

They can file a complaint with the nearest police station. The complaint filed must be against the bank and if the case is refused to be rejected by the police, the next person who can be approached is the Magistrate.

Injunction Suit

The person can also go for filing an injunction suit in Civil Court, a civil one against the bank. This remedy can be sought to stop the bank officials from unnecessarily visiting the premises of the credit card holder for recovering the dues.

Filing complaint with RBI

RBI has issued guidelines governing the recovery agents for the purpose of approaching the credit card holder at default. Thus, if the conduct of bank officials seems threatening, the person can file a complaint with the RBI.

Allegation of extortion

If the bank officials repeatedly call the customer, he can legally file a case of extortion against the bank official for forcefully taking the money.

The step by step legal action which can be taken by a person, being a victim of such harassing calls, is as follows:

Step 1: Complain to your bank

Almost all banks have a grievance department. The customer can approach that department and have a one to one discussion on the matter. Also, the complaint can be registered on a toll free number or website of the respected bank.

After filing the complaint, the customer has to wait for a period of 30 days for the bank to solve the matter or give a reply.

 

Step 2: Approach the banking ombudsman
If there comes no response from the bank within the stipulated 30 days, the banking ombudsman can be approached. RBI appoints such person as a senior official who redresses the complaints by customers.

The ombudsman has a duty to provide a legally binding decision which shall call for settlement between the bank and customer.

The grievances which relate to credit cards are to be filed with the ombudsman in whose territorial jurisdiction the billing address of the customer is located.

 

Step 3: Legal route
If aggrieved by the order of ombudsman, an appeal can be filed before the appellate authority within a period of 30 days. The Deputy Governor of RBI acts as the appellate authority for the matters relating to credit cards.

The alternate measure is to approach the consumer redress forums or Courts.

Did you find this write up useful? YES 88 NO 12
anurag   24 Oct 2023 12:30pm
i am getting calls from sbi card for harassment and they are using abusing language. what the solution of it
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archna malik   18 Aug 2023 12:56pm
My husband, friends, colleagues and relatives and relatives are getting threatening calls from a man and a women, and they are using foul and immoral read more
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Vishal Gupta   27 Jul 2023 11:00am
Please call me
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Vishnu   6 Jun 2023 5:12pm
To whom so ever it may concern. Myself nishant patel , is having an out standing of rs. 60000 on SBI credit card. But to some financial issues and family read more
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gopal   19 Jul 2023 2:38pm
https://www.rbi.org.in/commonperson/English/Scripts/Notification.aspx?Id=58 (iii) Fair Practices in debt collection (a) In the matter of recovery of dues, read more
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Aashish   25 Mar 2023 4:51am
Dear sir Aapse yah gujarish hai Ki mera yaah pr Yes bank NE koi agency ke agent ko Parmesan karne ke rakha wahh din bhar calll kar ke Parmesan our harwarment read more
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Gopal   19 Jul 2023 2:40pm
https://www.rbi.org.in/commonperson/English/Scripts/Notification.aspx?Id=58
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Gopal   19 Jul 2023 2:40pm
https://www.rbi.org.in/commonperson/English/Scripts/Notification.aspx?Id=58 All letters issued by recovery agents must contain the name and address of read more
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Naren lohiya   9 Mar 2023 5:18pm
Hi, me and my wife getting threating calls from yes bank credit card recovery department. i was paying their payment on regularly basis, as my financial read more
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Gopal   19 Jul 2023 2:42pm
Fair Practices in debt collection: (a) In the matter of recovery of dues, banks / NBFCs may ensure that they, as also their agents, adhere to the extant read more
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Gopal   19 Jul 2023 2:41pm
https://www.rbi.org.in/commonperson/English/Scripts/Notification.aspx?Id=58
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Syed Riyaz   3 Feb 2023 10:56am
Loan recovery agents are calling and harrasing me that they will come to my home and tell my parents and if my parents get to know il kill myself
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gopal   19 Jul 2023 2:46pm
https://www.rbi.org.in/commonperson/English/Scripts/Notification.aspx?Id=58 read...... Right to privacy section in the link (c) Banks / NBFCs / their read more
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arundhati shaw   15 Nov 2022 12:42pm
Hi team....... that also i was paying a regular EMI of 820/- for 4 months ... but now i have lost my job so i was unable to pay an EMI for last 3 mnt read more
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Naveen kumar   13 Oct 2022 7:32pm
Dear sir/ ma'am mere ko complaint darj krvani thi mere ko postpe wale bar bar call krte hai and mere sabhi ristedaro or gharwalo ko bar bar call krte read more
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sneha ingale   20 Sep 2022 5:44pm
Hi team..... I have never went to any bank to give me a loans as i was continuously getting the message of the loan approval on my account so i had clicked read more
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sneha ingale   20 Sep 2022 5:36pm
Hi team..... I have no went to any bank to give me a loans as i was continuously getting the message of the loan approval on my may so i had clicked on read more
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IahFrankie Wahlang   13 Sep 2022 11:33am
The Bank Manager harrass me so many times as I cannot make payment to to some problem Im facing,,Can anyone help me with this one
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Syed Younus   1 Sep 2022 3:12pm
I am government employee iam using hdfc credit card i have used 300000 iam unable pay now please help me
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Mayur Choughule   28 Aug 2022 1:32pm
Hi team I took a loan from idfc bank. Unable to repay on time they are harrasing me through calls and whatsapp,he called me every day 20 to 30 times i read more
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Gopal   19 Jul 2023 2:51pm
Go RBI Website and complain .. or look here . There is no rule to harass ....... They have to issue a notice with all agency details before they can visit read more
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Mayur Choughule   28 Aug 2022 1:19pm
Hi team I took a loan from idfc bank. Unable to repay on time they are harrasing me through calls and whatsapp,he called me every day 20 to 30 times i read more
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M.Venkateshwarreddy   6 Jul 2022 5:20pm
Good evening Sir) Madam, I am M.Venkateshwarreddy in 2019 I have taken credit card of amount RS 25000/- from hdfc bank when I applied for credit card read more
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Ashok kumar   4 Jul 2022 12:32pm
Me ashok baat kar raha hu mere pass rbl ka card jome kuch samay se 3 mahine se pay nahi kar paa raha hu aur recovery wala beran kar raha hi gali baloch read more
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Bommagani Ramanna   26 Jun 2022 11:27am
Kotak bank credit card team harrsment
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vidya vinay surve   22 Jun 2022 3:44pm
I am Vidya Vinay Surve, My Husband Vinay Vijay Surve is customer of RBL bank Ltd. (One word Centre, Tower 2 B,6th floor 841,Senapati Bapat Marge, Lower read more
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Rachana kumari   14 Apr 2022 8:53pm
Hi,,sir m rachna baat krri hu ,,sir hmari payment red carpet pr 5000rs rh gyi thi,or hmne inko bola ki next day krdenge lekin red carpet ki team ne kya read more
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Misba   25 Mar 2022 10:15am
Hi Team, I had a loan with one private bank and so far I paid 4000 where my loan only was 6000 and daily the person calls and harras that he will call read more
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Varun wadhwa   23 Mar 2022 8:01am
Helloera naam varun maine RBL bank se credit card liya hai jo unhone mujhe life time free bol kar diya tha ab wo mujhe se paise mang rhe hai or mera no read more
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NAGIREDDY BALAKRISHNA   15 Jan 2022 5:22pm
Harrisment cals my all relatives calling the recovery agent s
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Priya   27 Dec 2021 4:36pm
I am having a loan from kotak bank but i have not payed fully part of loan so i need settlement according to my earings but Bank every time refused to read more
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Senthilkumar   16 Nov 2021 4:19pm
Hi Sir, I am not able to pay EMIS and credit card bills due to high debt and my earning is low, if the bank give me 4 to 5 months time I will arrange read more
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Amit Talayia   12 Nov 2021 1:50pm
Hi Team, I am getting calls from Payme India collection team as they are using abusive and unprofessional language and asking me to repay the amount of read more
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D Subbarayudu   22 Oct 2021 7:41pm
The SBI credit Card collection team hacked my phone contact numbers and started to call to my friends and relatives. I paid last month but this month read more
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Ravi   22 Feb 2022 1:58am
Cyber cell mein complaint karo SBI card pe. Woh aapka phone hack nahi kar sakte . Phone karna bandh kar denge.
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Jagdish Prasad   22 Oct 2021 3:55pm
Sir Mera Barckly Bank ka Credit Card ka outstandig amount Rs. 9003 tha jo mainy Kotak Mehindera Bank Limited mai 1.3.2021 ko A/c. No 5811177828 IFCS KKBK read more
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MADASU DEVARATHNA GIREESH   10 Oct 2021 5:21pm
They cut the extra amount from my bank account ,and they said they will refund in 4-5 days .but they didn't it has been 5 days .and they are calling to read more
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Nitinkumar Kamble   9 Sep 2021 9:10pm
I have a personal loan with stashfin when I was in India. So after job loss in covid I left India. I have loan of Rs 1lakh so I wanted to pay in 3 settings read more
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MAYURBHAI LAXMANBHAI MEVADA   1 Sep 2021 4:56pm
Forcely repayment for credit card and loan
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Gaurav naidu   31 Aug 2021 9:18pm
Hi RBI Bank, I wish to highlight below activity which is being done unethically by HDFC Bank Collection Team. My Credit Card Dues are pending and I am read more
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bindu kalyan   26 Aug 2021 9:25pm
I Had my hdfc credit card restructuring done in june 2021 I called in hdfc costmor care and asked that i have to makeall tha payment of my restructuring read more
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Shweta Salunkhe   12 Aug 2021 10:07pm
one person harassing and giving damki on call he is from private finance company agent 9896997534 & 9053525112 i have all chat and damki conversation
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Avinash   9 Aug 2021 11:56pm
I took a loan from creditt app. Unable to repay on time they are harrasing me through calls and also calling my contact numbers.whqt can I do for this.
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Manikanta   4 Dec 2021 10:02am
HI Sir, Did you get any update regarding this, because even i am facing the same issue
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Sumit kumar karn   30 Jul 2021 10:17pm
My name is Sumit Kumar Karna , I am a customer of RBL credit card. My total outstanding is 90000. I resigned from where I used to work earlier because read more
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  28 Jul 2021 10:13am
Kotak Mahindra Credit Card people are not following the Fair Practices of RBI Guidelines, They have already served me the ArbitrationNoticeand 27 July read more
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Nikunj Arora   30 Jul 2021 3:37pm
I have a credit card outstanding and they are calling my office people n every one in my family
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Vineeth More   15 Jul 2021 12:08pm
This is Kotak Mahindra Credit Card arrogance. I had missed 1 EMI 2 months. The bank collection executive named Rahima having no. 9930031046 (Truecaller read more
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SHALVI BHARGAVA   10 Jul 2021 12:57pm
Hi Team, Please resolve my problem.i have taken Credit card From Kotak And Sbi Bank And loan In Fluttorn Bank. i am getting harassment calls they are read more
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Senthil Kumar   5 Jul 2021 10:00pm
I am getting harrasment calls by Bajaj RBL Collection department.daily 25 to 30 call they are doing. Non stop every half an hour gap they start calling read more
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Christina   3 Jul 2021 1:55pm
Have been Harassed by creditt loan app, Indusind & Hdfc credit card I don't have any support please help me they r calling my contacts have been tortured read more
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John   7 Jul 2021 12:56am
Same torture, Indusind, kotak, rblbanks....they told they will sell my belongings
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Manikanta   4 Dec 2021 10:07am
Same problem for the loan apps, to me as well as my friend, from past three days, we are felling to end up our lives
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Sejal Agarwal   5 Jun 2021 11:42am
Hi Team, I have SBI credit card and pay all my bills, from last month I request SBI Corporate office to close my credit card, after that request they read more
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Haresh Yadav   20 May 2021 9:00pm
Recovery Agent Visited house and doing extortion.
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Adv. Noel D'Souza  11 Jul 2021 2:16pm
Please call
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Manoj Kumar   9 Apr 2021 7:14pm
I can't pay my credit cards Bill's and loan repayment, can someone help me.
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nishant patel   8 Apr 2021 3:23pm
To whom so ever it may concern. Myself nishant patel mobile no: 7490013605, is having an out standing of rs. 65000 on SBI credit card. But to some financial read more
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Sachin   20 Mar 2021 11:08am
I get regular calls from HDFC bank telemarketers or channel partners even though I have opted for DND on mobile network and bank. Is there a law that read more
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Salauddin khan   4 Mar 2021 12:27pm
I have lost my job last year and couldn't make the payment. Later this covid situation. Now I have the job. I got a call for 35k payment and I told them read more
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Sunil   26 Feb 2021 7:43pm
Harassments & threatening calls from kotak mahindra bank, MG road branch. My name is sunil HR and i have used the credit card once i have made the payment read more
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CECILIA DSOUZA   16 Feb 2021 2:20pm
Harrassment & Threatening calls from Kotak Mahindra Bank, Kalina branchMy name is Cecilia Dsouza and I had taken a loan from Kotak Mahindra Bank (ISPL119136) read more
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Sunny Singh   10 Feb 2021 10:02pm
My SBI credit card payment is due, I have written emails stating that I lost my job and suffering from mental illness, until or unless my financial situation read more
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Sanjog Bhardwaj   21 Jan 2021 4:27pm
Harrasment calls to my realtives and me regarding my sbi credit card payment due 1.22lac
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S palaniyappan   12 Jan 2021 7:29pm
Online loan app phone calls tourcher online loan kissht& rufilo
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Jeevan   14 Apr 2021 1:18pm
Hello, Never take a loan from any loan apps on mobile. They hire gundas to recovery money from the customer who threaten, insult and harass continously. read more
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Prabu   10 Dec 2020 6:22pm
I have outstanding in my ICICI credit card, Collection agent Mr Prabhakaran called me from +919344305880 and asked for the payment, I told him that I read more
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Adv. Noel D'Souza  11 Jul 2021 2:18pm
Please call
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Usha   20 Oct 2020 7:11pm
From mrupee company they having talking very bad words pls for the government we r request they words they will speak should be decent pls help me
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Rajiv Ranjan Kumar   18 Oct 2020 7:41pm
I haven't avail any credit card from Indusind bank as yet. From last 3 days I am getting tremendous call from Indusind regarding payment of credit card. read more
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Manoj   15 Oct 2020 5:46am
Our Tourusm trade badly impacted due to COVID-19 and most of us suffering by financial crisis . Banks thirird vendor is threatening like Gangster for read more
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Ganesh   15 Oct 2020 12:36am
I have cradit cards & lone that I m using from 2015 and pay ontime but as now . I lost my job & due to some emergency now unable to pay . RBL Bank, Kotak read more
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Gyanender verma   10 Oct 2020 5:57pm
Sir, I have taken loans from some online companies. I am unable to repay them due to losing the job in Lockdown. These people are threatening to call read more
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Dhana Lakshmi   11 Nov 2020 5:39pm
Hi friends me taken loan from few online companies... this time am unable to pay because of financial problem,, Those bank people calling all our relatives read more
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Sahil Shukla   12 Feb 2021 7:28pm
Contact from me
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Dhana Lakshmi   11 Nov 2020 5:41pm
Not to cal like this & no money with me right now to pay also
Reply
Preeti   14 Oct 2020 9:30pm
Which bank is threatening you. I m also facing the same issue
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B K Thomas   16 Sep 2020 2:36pm
Informatie artcle
Reply
SUNNY Kalia   11 Feb 2021 6:42pm
I am getting harrasment call by Bajaj RBL Collection department.daily 25 to 30 call they are doing. i am having recording of all of them.Non stop every read more
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Adv. Noel D'Souza  11 Jul 2021 2:20pm
Please call
Reply
Adv. Noel D'Souza  11 Jul 2021 2:19pm
Please call
Reply
Sahil Shukla   12 Feb 2021 7:29pm
Contact from me
Reply
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