hi, I had a icici credit card & had dues of around 1.2lacs & got a settlement for 90k in 5installments & I was able to pay up only around 50k & lost my job so could not finish the settlement. After around 8-10months icici ppl have started harassing me & asking me to pay 1.15lacs as settlement again. I spoke to them saying I am ready to pay remaining 40k but they are saying that my case is in credit department last stage & after this they will take it legal & take action. Please let me know what do I do here. How do I negotiate & whom do I contact.
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