I JYOTIPRAKASH TRIGUNAYAT holder of BARCLAY CREDIT CARD No: #4339 4873 6509 0177. But since August I am being cheated from Bank. i.e In August my account balance was Rs 15774.70.Now on 18-08 the late payment charge of RS 561 was charged on my account. Now because of this on 19-08 my card limit amount had crossed Rs 16000.on which bank had charged again Rs 561 because of over limit amount. After that on 20-08 late payment amount of Rs 561 was cancelled by bank but over limit amount i.e Rs 561 was not cancelled and was charged on my account by bank.
After this I told my problem to Bank but they didnot answer me properly. Then after I contacted with customer helpline and collection department for a long time they convice me telling next month they will surely reduce my extra charged amount but till June they had not reduced a single rupee. Till June I was regularly paying the amount instead of they were not solving my problem.
So after June I stopped paying amount because of this Bank had started harassing me and started using bad words with bad language..then bank had started making extra charges on my account which leads to Rs 35000 and above without any default from my side. Instead that I was ready to pay actual amount with interest but they were not ready and want their full amount with their charges.
At last on 16-09 again I tried to contact them and they were ready to accept due amount with interest i.e Rs 7047. So on 27-09 I had paid amount of Rs 7047 with Interest and Service Tax which was not a SETTLEMENT AMOUNT .because I had paid whole amount with Interest.
They even had registered my name in CIBIL due to which I had suffered many problems and still suffering because still I am not getting EDUCATION LOAN for my children because they had used SETTLEMENT word . when I applied to SBI BANK KARELIBAUG BARODA they reject my file from 28-10 by replying this words “CIBIL of Applicant is adverse”.
Instead I am not a defaultor why I and my childrens suffer so please as soon as possible cancel SETTLEMENT word from cibil and help me out.
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