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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 85 NO 12
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 kra payment niklwane k liye batmizi ki or mri puri family ko bhut buri tra Galia di or kha hm tum sbka Jina hram krdenge,,or plz sir meri humble request hai is complain ko jldi se jldi seen kre,or action uthaye,itna bura brtav krna ,ese koi dega kya payment..
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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 my whole family members something Bullshits and all he speak and mentally pressuring that he needs money with in this time am just done with this can you please take action on this 7836925085
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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 computer call par daala hai mujhe din me 200 300 call aa rhe hai pls meri help kigiye
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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 settlement amount which i offered and they need fully payment and recovery agents so many times harras me on call ask to come his place .And threating me with very bad language and use very chip language.I am suffering last 7 months i lost my job last year due to covid and still i dnt have job .My husband earring only 5k per month then we are surviving us and family.But bank not agree to listen me and my situation.My laon amount is 156000 i paid 94000 . Please suggest me wht i do i have all the recording of recovery agent i said please take legal if u cant provide settlement but they refused all the time .And harrasment me continuously.. Please suggest wht do .And they are continuously changing their name.They are harrassed my family nd me full day.. They are not ready to listen anything.
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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 to close all the loans about 50%. Please assist
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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 loan. However i already paid the amount requested by the one of there team member to settle the loan and i do have a call recording as well. But there collection team agents are not ready to listen to that recording and threatening me to pay the amount. I paid the loan amount but it seems like they are doing fraud with me and taking amount by saying that they will close the loan after the payment but are not closing the loan. They download all my contact list and calling my contacts and using abusive language and telling them that i am not paying the loan amount. Please do the needfull as i am scared of getting there calls. This is something embarassing and harmful for me and my family members.
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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 is Oct is balance. Still they are calling to my contact list members. How can I complaint against on this issue Regards D.Subbarayudu
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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 0000631 mai UPI Rno. 106082525223 mai deposit karva diya tha lakin 8 months ke paschat bhi mujy NOC nahi mila hai . Please mera NOC issue karney ka kast kary thankyou.
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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 pay my due ,but I don't have any due .is there any way to take legal action against them to make them guilty in law
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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 but at the time of last due Bank official barkha said that don't pay now or else you will have to pay extra penalty and asked me to pay after 12 days. Later someone told that she is on vacation and I ll have to pay extra because of late payment. Totally dishonest people. Her contact details is +91 89566 98313. And when I am asking other colleague to give branch details and official email id of her they are denying.
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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 being harrassed by their HDFC collection team daily to pay the same. From my side, I have already informed that I am not denying to pay the outstanding dew however I lost my Job since last lockdown and don't have ready resource for paying the bill. They have been sending a person at my location when I am not at home and they speak rudely to my wife and kids all of them being females. Manager Nadeem and Agent Sheetal have been calling daily and telling me to sell off my belongings and pay 1000rs daily and They scare me stating we will send people at your place and Bash you. I am a heart patient and I hardly manage my medical expenses to be honest. I have never denied for my payment and will do the same when I get my Job back. Request your intervention over this mental harassment from HDFC collection team and non stop calls everyday. Yours Faithful, Gaurav Naidu
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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 then you tell me how to stop it tha answer came from there that 89700 totel submit the payment within 4 days, i asked hoe to make the payment, he told me to do the same way as before if i did he side that for a few days, your payment has been made but now tha problam is that my payment is in the credit card when i had to put it in the account of payment restructuring but i was not told then please solve my problam take any concrete steps for
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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 I was mentally tortured by RBL and still doing mental harassment. My colleague manager is calling everyone there on daily basis and using abusive words in the work the girls do. please help me I have not absconded yet, which I have taken money. I will give it my financier will be fine
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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 2021 the hearing was scheduled but the same evening The collection Executive Mr. Manjunath. 7406875646(Truecaller name: Mahendra ) not only called my Wife and Family members and informed them about the dues. I was confused about how did they get my wife's cell number, it was not updated as an alternate number but the Kotak Person Claims that I was not responding to the calls even I had given the proof of recent communication with the bank I need to understand is it not a breach of Fair Practices od RBI Guidelines, According to guidelines issued by the Indian bank Association & RBI for recovery agents, they are not supposed to call anyone else except me. Despite the fact that i respond to their communications, they still called my Wife and family members on their respective numbers. This harassment is illegal can anyone suggest me for further course of action
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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 name: Sanjey Aeti) not only called me but continuously called my parents and harassed them yesterday.According to guidelines issued by Indian bank Association & RBI for recovery agents, they are not supposed to call anyone else except me. Despite the fact that i respond to their communications, they still called my parents on their respective numbers. This harassment is illegal. I expect some action to be taken against this agent, and their team Manager Balaji Swami number: 9819154324 who instigated such actions.
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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 calling me on daily basis actually i lost my job due to covid and shifted me in home town my husband is also not doing the job please solve my problem. I am belongs to very poor family and not be able to pay the amount.The agents harras me I am going to the depression and i am not well also i am suffering from many problems they all are harras me plz sir its my humble req
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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 for payment.Now i am too much upset and getting my works incomplete and unsuccessful i hereby drop the numbers as follow 8056244458 / 9940553877 / 8097524694 / 9940551251 / 9790993573 / 9789986813 / 8056029631 / 8939486509 / 8754492917 / 7200571034 / 8754493905 / 8056096825 / 7305299639 /7358060736....
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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 saying that warrant will be issued makes me feel to end my life bcoz of all this torture
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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 are sent an email for the extra payment of 2524.77 INR amount to close my account as a flexi pay, The mail is sent by corporate office Mr. Manmohan Sharma said the statement will continue from next month until I pay my account. I request you to please take action and reply at least to stop making any changes. They have never informed me such charges, I have other banks credit card and close all my account only SBI is making such harassments by making all this extra changes. I humbly request you to please help me out of this. Regards, Sejal Agarwal
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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 issues and family issue I'm not able to make the payment. I told the bank that once I get financially strong I will make the payment. Today date: 08/04/21 I received a call from SBI recovery agent mobile number: 08586813624. agent started harassing and threatening personnally, professionally. He said he will contact MD and other staffs of the organization where I am working and my relatives. He also said that he will leave me jobless and will rapture all my reputation. Kindly help me
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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 I can bring HDFC bank telemarketers to justice on harassment.
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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 I'll make the payment when my salary comes but they didn't listen and they called my family and abused them saying aukat nahi hai toh kiya kyu, they asked my sister and sister in-law to sell them self and make the payment. Due to this behaviour my father threw me out of his house and now I'm homeless for the past one week. Now they r still calling me for payment. Now I don't know what to do. Because if I make the payment then I have nowhere to go. I don't have much money to survive alone. Please help.
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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 in 40 days. Again i have taken used then the pandemic situation. Now from November i went from restructuring i lost the job in November. Now few days back they called and asked to go for settlement. I said ok. But as i got the job in January im getting my full salary on 1st of march here any time any where i didn't said i will not do the payment. But one shot they are asking 65,000 how will i pay. I want some one to help me with this. If not for there calls and the way they text i feel like killing my self.
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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) , I had been paying regularly this loan until March 2017. After this I lost my job and was jobless for one year . As being the only lady earning at home and looking after my sick husband who is under medication since 7 years & jobless too, having a son who is schooling. I was finding it difficult to repay the loan. I had informed the same to Kotak bank about my situation & said that I will start repaying once I get the job. Last year when I started working and again due to COVID-19 situation we were at home not getting our salary, that time on September 11, 2020 I received a mail from Mr. Yogesh Patil (Consumer Bank, KMBL) stating this (case no 54939/18 (cheque no – 141) is being processed at 32 court in Ahmedabad and the Summons were served at your last known address as provided by you to the bank. The next date of hearing is 29-Sep-20, request you to appear in person before the Court as per the abovementioned date.) I again replied to his mail saying that I need some time to repay the loan because I am at home without pay. Now since last one week I am constantly receiving calls from Delhi they are harassing me, torturing me, and threating me too that they will get me arrested. I need your help on this immediately. calls I am receiving are from theses numbers - +91 8954704481, +91 9315721140 , 011 40053125, +91 8791167905. I have also given a complaint on consumer helpline.
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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 is not stabilize I can make partial payments, and now I'm getting threats from the collection agencies they are Harrasing me and my family, one of the agent also told me to take my own life as I'm not been able to pay, please suggest me what shall I do I'm mentally deteriorated
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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. These apps also give loan on very high interest and also take your all phone permissions and take in signing that you also give them access to your fb, insta other social media profiles. That means in case of delay they may use the snapshot of your fb account to name and shame you online. Not only that they also take a copy of your phone book while signup and again if you do not pay on time, these execs start calling your family, friends, in laws, office collegues and your boss. They will tell them that you have taken a loan with them and are on the run even if you genuienly have a problem. Lastly, some loan apps online sell your private information like pan and aadhar details to other agencies and even sometimes when you close or prepay your loan it will still reflect in CBIL that it is open. All your numerous mails will go unanswered and they have a dummy helpline which no will answer incase you face a problem or have a query. SO AVOID APP LOANS AT ALL COST.
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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 have lost my job and will pay in 2 months of time, but he told me to die or make the payment, I have it in recording, please let me know what shall I do.
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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. It make my life unpleasant & horrible & my business get affected. I have written to all concern Indusind bank but voice call is not yet stopped. Please advise how to proceed further legally. Below is the indusind bank credit card no from where i got voice call. 8882701930,8882702017,8882702034,8595956891,8882702008,8882701964,8882702033
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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 credit card payment and there isn't any waiver off. Although Hon SC has taken step in this regard and waiting favourable decision for all borrowers.
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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 Bank, HDFC Bank these recovery people are threatening me & my family. Plz help what I do now
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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 me and my relatives.
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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 & using some abusive words which makes us to commit suicide because of these mental torture & Created group like wroke name as fraud & add all my contact list in that group.. Please do help regarding this & ask them to cal like this right now no money with me to pay
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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
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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
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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 half an hour gap they start calling for payment.Now i am too much upset thinking about to suside
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Adv. Noel D'Souza  11 Jul 2021 2:20pm
Please call
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Adv. Noel D'Souza  11 Jul 2021 2:19pm
Please call
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Sahil Shukla   12 Feb 2021 7:29pm
Contact from me
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