HERE IS MY EXPERIENCE I HAD A TAKEN A PERSONAL LOAN OF RS. 1,00,000 FROM CITI BANK ON MY CARD AND TO BE REPAID IN 36 EQUAL INSTALLMENTS BY POST DATED CHEQUES. THEY HAD COLLECTED 37 CHEQUES (ONE EXTRA IN CASE OF ANY CHEQUE GOT BOUNCED ETC) ALL MY 35 INSTALLMENTS WERE OVER AND THE LAST OUTSTANDING WAS RS.2100-00. I HAD INSTRUCTED MY BANKERS NOT TO HONOURTHE BALANCE CHEQUES AND INSTAED I HAD REMITTED THE DUE OF RS.2100 BY CASH THINKING THE LOAN IS OVER. AFTER 7 YEARS..YES SEVEN YEARS, I RECEIVED A PHONE CALL STATING THAT HE IS CITI BANK LAWER AND I HAD NOT COMPLETED THE LOAN AND THE BALANCE AMOUNT OF RS.30,000( THIRTY THOUSAND ) TO BE PAID WITHIN IN 4 HOURS OTHERWISE HE WOULD USE THE UNBAILABLE WARRANT HE HAD TAKEN AGAINST ME. I WAS SHOCKED. I WAS CONFUSED WHAT TO DO. MY FAMILY WAS IN TEARS. HOW TO SEARCH SEVEN YEAR OLD RECORDS. I SEARCHED THE WHOLE HOUSE. LUCILY I GOT THE PARTICULAR FILE, CITI BANKS STATEMENT OF RECEIVING 35 PAYMENTS IN TIME. BUT WHAT WAS MISSING WAS THE CASH RECEIPT FOR RS.2100. NEXT DAY THE SO CALLED LAWER CALLED AGAGIN AND ASKED ME TO PAY RS.15000-00 IMMEDIATELY TO AVOID JAILING. NEXT DAY I SENT ALLTHE DETAILS BY COURIER AND SENT A LAWER NOTICE DETAILING THE ABOVE THEN THEY CAME RUNNING AND SINCE I DO NOT HAVE THE RECORDS FOR THE CASH RECEIPT ASKED ME TO PAY THE RS2100-00 AGAGIN AND MY LAWER ALSO ADVICED TO PAY OFF THE AMOUNT BY CHEQUE. I HAD REMITTED MY AMOUNT AND I KNOW NOT WHEN THEY ARE GOING TO ACKNOWLEDGE . THE MENTAL TORTURE I EXPERIENCED FOR 3 D
