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Harassment on phone by ICICI Bank DSA for Credit Cards
I am Rajinder Soni living in Patel Nagar, New Delhi, India. I would like to let the world know about the problems people have when using credit cards. When these credit card companies will offer you a credit card, they will show that they are very polite and soft and when you are unable to give them money for one single month, this is what they will do. I am really helpless and depressed over this issue and therefore thought to share my concerns with the internet community so that people who have suffered the same situation or are suffering a situation like me can get united and think over and solve this issue. I know there are a lot of intentional credit card defaulters in the world but what about people who are not intentional defaulters but are struggling for months to pay their credit card debt which never finishes off, as the interest rate is very high and is totally irrelevant. Read below what happened in my case. I have been a victim of harassment by a well-known international bank which has a lot of complaints against it in the business and financial market.
Here you go: I have been receiving threatening and harassment calls from ICICI bank for payment of my credit card no. 4477474321XXXXXX. I have been using this card now for the last 2 or more years and up until now I have used 85000/- INR and paid 65240/- INR to ICICI bank. I started receiving calls from a person by the name of Mr. Rajesh Tiwari (contact # 9810601913, 011-43080502) who tells me that he is a senior manager at Rohini branch, ICICI Bank Ltd., Garg Plaza, 5 Community Centre, Sector 8, Rohini Delhi. Pin - 110085.
He called me up on March 25, 2009 and today, March 26, 2009 and started abusing me to give 3800/- INR in form of cash for payment of my credit card. I told him that I will pay the rest of the amount when my next month's salary will come in, i.e., April 7, 2009 but he refused and told me that I am sending two people to collect money from your home failing which I will pick up from your home and beat you like anything. After receiving these wordings from a person posing as a senior manager in ICICI bank, I thought that this person cannot be a manager and might be a DSA (direct sales associate). I again told him that I do not have this much amount to pay right now but you can take a postdated cheque from me instead for April 8, 2009 when I will receive money in my account. At this statement of mine, Mr. Rajesh Tiwari told me that you are cheap person and started abusing me and told me that you do not have money to pay than how you will pay after receiving salary. He told me that I am sending two people and pay 1800, 1000, or 800 whatever you have as it is our closing time and month ending and we have a target. I disconnected his phone and filed an FIR # with DY no. 25A in Patel Nagar Police Station to Duty Officer Mr. Partar Singh and he took my application and gave me a copy of that in receiving stating that we will see to this case and will take action. After coming out from the Patel Nagar Police Station, I received a call from mobile number 9818677179. The caller (sub inspector Mr. Yadav) told me that he is calling from Pahar Ganj Police Station and come and meet me in person at Room #12 in Pahar Ganj Police Station.
I am really threatened and depressed because of this behavior done by the ICICI bank and its employees and feel that me and my family are not safe at our home.
I request internet community to please look into my issue and tell me what to do?
I will be highly obliged if someone can suggest something.