I was holding a credit card for ICICI bank since 02.
There was a bill (they say), i have made some purchase of Rs. 398 from a shop, for which there was never a bill sent to me nor did and SMS ever came in my mobile.
Suddenly one fine day (21/09) approx. 6 months after the purchase date, i got a call from ICICI bank on my residence landline no. that I have an outstanding due of around Rs. 2800 . This was the biggest surprise and shock to me. On being asked about the breakup and what shopping i made etc etc, the lady informed me that I have made a purchase of Rs. 398/- from some lifestyle store (which i still not remember), and the interest charge, defaulter charge etc etc makes the sum close to Rs. 2800.
We have shifted the residence 10 months ago, for which the information was shared with all the banks and other departments informing the address change.
In the last 6 months i never received any mail, letter, SMS, or phone call on my cell or landline no. informing that the amount was due.
On being asked that i never got any information from ICICI bank and asked what stopped ICICI bank to call me in these last 6 months, and where they waiting for the amount to mount up to Rs.2800 . The lady replied that it is not the responsibility of ICICI bank to call the client for their amount due.
Now can some one tell me, for Rs. 398, can some one be a defaulter??
Need your advise, as she wanted me to contact the Recovery officer in kolkata.
0 comments