Hi
I had 2 CC s in 2005 which I defaulted, due to some family problem we sold our house and thus the bank could not trace me..things were worse financially so I had to ignore it. Now I wish to do a settlement how do I contact the bank it was hdfc and citi also my amount with HDFC was approx Rs 30,000 due and now I am sure it would be above a lac how do I negotiate and how much.I don't have and details with me like account number or CC number how do I contact the bank...kindly suggest help, guide