Sir, My name is Sreekumara Sarma. I had two HSBC credit cards. I made the settlements of the cards payments. Initially they involed my son too in the case. later many days/ years contact, they removed his name (they says so.)
While making payments, few cheques returned, but all payment made for the same and obtained NIL balance certificate from the bank. Still the bank were cunducting the cases u/s of the negotiable instrument act. for three to four years. in various ways they harrassed me. since 2007 to 2010 they conducted cases. They, also have reported a huge sum as due from me to the CIBIL (some thing like ten times) Can I ask for the compensation for the loss /damages and agany I faced .? The bank many a time not at all replay to me correspomdence, even they reply, they say, it is I have not made the payment in time.
Sir, I made the payments. I have received the nil balance certificate. 1). So no due the bank can claim from me. 2). They can not run the case after clear the dues by issuing the certificate of NIL balance. 3). They have not withdrwan case in the court of law.till 2010 April. Please note :- .
some cases came to the board even after the payment of returned chaques made.
What is law says. can I claim for the compensation.?
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