Hi
I am Ramesh, i am holding Kingfisher ICICI credit card (9401344016599001). I have used certain amount on this card and at some point of time and i cleared entire amount on that. Again, i started using it and made some payments regularly for few months. Later due to some financial problems, i didn't make payments, it was converted to EMI's for 12months. I paid first EMI and didn't continue to pay.
On 20th Jan, i received a call from 2 people that they are bangalore police and High court lawyer told me that i have to make the payment asap. I requested them that i would like to go for settlement or at least i need some waive off with some time to make the payment. But they refused for that and said, they are ready to lodge FIR with non bailable warrant and police will come to my home and pick to karnataka and there after i have to face the consequences.
I tried convincing them to make the payments and hardly they gave me 2 days time. But in that time amount was not arranged and i switched off my mobile due to tension. On 24th Jan they called my office and spoke to my manager saying that along with me, my company is also going to be kept under defaulters list if i failed to pay 21000 before 2pm. I went in touch with them by 12pm, and they gave me 2 hrs time to make the payment of 10K initially. I made 4700 by 2pm and later 5300 by 4pm, I called them and gave receipt numbers. They asked to make another 11K by 25th Jan to fulfill the initial pay of 21K.
On a whole, i am ready to make settlement with some waive off, which i conveyed them the same. But they didn't give me a chance and really i was into depression and facing horrible situation. I have sleepless nights all the 5 days and situation really took me to thought of suicide attempt.
My office manager has already given a first warning saying that, NOT TO REPEAT GETTING CALLS TO OFFICE AND IT MAY HIT MY JOB.
To be frank, i am clearing all my credit cards and loans since mid of last year and i left with few more. Last month i cleared my HDFC card, 3months back i cleared my Reliance and GE loans. Genuinely i am going on my way to clear out all the remaining, but unfortunately i am facing this situation.
I request ICICI team to help me out on this and avoid such situations to their customers.
Thanks,
Ramesh
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