Few months ago rbl bank sold some loans to kotak mahindra bank at 98% discount. My rbl bank credit card got transfered to Kotak. Some days ago two guys came to my place claiming to be Kotak Bank officials. They said that I should pay at least the principal amount and they would never bother me again. They kept making phone calls so to avoid headache I paid off 85% of the total amount which they said was principal. Now after two weeks even after promising to not bother me again that guy is calling me and forcing me to pay the remaining amount. He is threatening me that he would come to my home again if I don't pay by 2 PM etc. I have his phone call recordings where he had clearly said multiple times that he would close my account if I pay off 85%. I contacted kotak customer care and they say and they gave it to some agency and they don't have the number of the agency and told me to go to branch. I told this to the goon but he says that he is the person in-charge and trying extort money from me. He hasn't given me any document regarding my loan outstanding or any settlement plan. All this torture after I have paid the 85% that he asked for.
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You immediately lodge a criminal complaint against the agents with the nearest police station with the available details. The supreme court itself has passed strict orders to all the police station to act strictly on receiving any such complaint.
Besides you collect the details of the persons and send them a legal notice warning them to refrain from indulging in such illegal activities of threatening and intimidating you failing which you will be taking strict action as per law.
Report the matter to police and bank ombudsman.
File police complaint t against the goons
complain to Kotak bank and RBI
You can file a police complaint as well as you can also file a consumer complaint before consumer court for deficiency of service
File a police complaint against the bank and the persons.
They have to follow the due process of law to recover the loan.
G.Rajaganapathy,
Advocate,
High Court of Madras.
- You can lodge a complaint at the police station for harassing & threatening , as law not permits anybody to take the law in his hand. If police refuse, then he can approach the magistrate for the same.
- Further, you have also right to file an injunction case against the said bank and its recovery agents for the direction of not visiting the house or office for the recovery of dues amount of loan.
- Deny to pay further any amount on the ground of non-issue of receipt of payment of 85%.
