Hello,
I have been a Citibank credit card holder since 2003. I have been regular in paying my dues. Since August I have run into financial trouble and have not been able to keep up with my payments.
Citibank Service personnel are calling me at all times during the day for collecting the dues. Due to my financial problems I cannot at present make a payment. However I have no intention of defaulting on my credit card.
I have explained the situation to Citibank personnel and promised to make the payment when it is possible. The however are calling me at all times during the day. This has disturbed my peace of mind and I am missing calls.
What are the options available to me?
1. Does the incessant calling amount to harassment?
2. Will Citibank keep on adding interest on the unpaid amount?
3. Do I have the option to declare myself insolvent?
My problem is that I would like time to make the repayment. But if that time cannot be granted then at least the phone calls should stop.
Please advise on my exact legal position in the matter
Thanks
Rahul Hans
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