I was dealing with the citibank platinum cedit card with the citibank since 2008 (limit of 92, 000), I did made several purchases on the card (total of 45, 000), which I dully converted into EMI's of 4, 350 monthly and was making regular paymens till februry 2009.I made a regular practice of paying my installements through my co-operation bank savings account.in the month of january, as usual citibank recieved my cheque on time but they also debited the same amount out of my citibank salary account. Next month again I depositted my installment on time but in the month of march I recieved bill statement stating that i have a zero (0.00) balance to be paid. Also the statement showed that the bank has recived two cheques of Rs 92, 000 each towards my bill??? When i called up the customer care t know about the cheques, they claimed that these cheques are of the bank Kotak Mahindra.
I informed the customer care people that I never issued those cheques. They claimed that citibank will send me a complaint letter which i have to fill u and send them back so that these cheques should not effect my EMI's going on. But nothing of that sort happened. I never recieved any of those complint letter instead I started recieving collection alls stating that i have to pay them a lumpsum amount of 50, 000 something.
Also on several occassions I sent many complaint e-mails to their redressal officer but the only reply that I got was to get in touch with Kotak Mahindra.
the bank is not ready to understand a very simple fact that WHEN I OWE A SUM OF Rs 45, 000 (OUT OF WHICH I PAID THEM Rs 25, 000 IN INSTALLMENTS THEN WHY WILL I SEND THEM Rs1, 84, 000?? Openly ignoring my complaint calls and e-mails, they kept on charging me 17, 000 as just the interest. Please help me with some legal advice so that this problem can be sorted out.
I have all the intentions to pay but only the amount that i genuinly owe, which as per my records is nothing more than Rs 25, 000
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