From the RBI Banking Ombudsman Series 2010-11.
How to File Claim complete payment & deactivation of credit card in India ?A Person had taken a loan of ` 30,000/- in June 2008 repayable in 24 EMIs on his credit card. There was some confusion in payments, which
resulted in excess payment to the card company. After discussing with the Customer Care, he paid the difference but the bank did not make required adjustments in his card statement. He requested intervention of BO to resolve the matter. On taking up the matter with the card company, it confirmed having reversed the amount of excess billing on the complainant’s card. The company also confirmed that the card was inactive for usage and no dues were payable thereon.
In November 2010 that the bank had again sent him EMI bill. The Credit Card Company continued its harassment and sent a wrong bill again in February 2011. The Complainant approached the RBI Ombudsman which ordered as follows.
The complaint was re-registered due to constant harassment of the complainant and misreporting to BO. The Card Company was ordered to pay ` 5,000/- to the complainant as a compensation. It was also advised that no more card statements should be sent to the complainant and CIBIL status should be “washed out” else BO will consider issuing an award against the card company.
If you are pestered by your Credit Card / Personal Loan Company even after you have closed the loans then approach RBI and get Compensation as above. You can use the above citation to defend your case.
