Sir, I was having a Credit Card from SBI. There I Made a Balance T/f to my another card on 3 EMI Basis. Now I have paid all amount. Last cheque paid before due date but they charged late fees to me. Then I called them where this matter got clear. And they said no amount is payable and I request them to Block my card. But their Massages for O/s Balance were comming as usual. Now 10days ago they called me for balance payment. I refused to pay any further amount which is belongs to me.I had used only Rs 6000/- and I had already paid the amount before due date. Now I have received a letter from a advocate. And their stated to harass me. Acoording to SBI my o/s is RS.4000/- (Late fee & Interest). Now I am thinking for legal action on the SBI card. Can I do this because I have not done any thing wrong? And Can I file a case with demand. Pls suggest me.
