no bank mentions that they will send a collection agent. just ask for the id with the collection agaent and he will show an id of authorisation. call the police and report that the bank has engaged a collection agent and he is threatening you. the fellow will just vanish into thin air because it is forbidden in law to use collection agents to recover civil dues. credit . credit card dues are civil liabilities and they can proceed legally against you only as a civil case . it is not a criminal offence. never get a credit card payment cheque bounced. that will be used by the bank to proceed against you criminally. as long as there is no cheque bouncing , they have no locus standi to threaten you or proceed against you as a criminial case. satish vaidiyanathan
