Hi, my name is neeraj/m/42. 6 years ago, I lost my father and my wife in a gap of 2 months. At this point of time I was using standard chartered card with near perfect payment record. After losing 2 family members I was required to undergo counselling for 6 months with a psychiatrist. I shut down my busines overnight and took up a job for one a half years. during this period, naturally my payments went awry and they, very kindy gave me an extension WITHOUT any follow up. After a few years, I was able to get back on my feet and we reached a lumpsum settlement with SCB to which they issued a letter too. But They have either put my name on the defaulters list or not taken my name of the defaulters list with CIBIL. Please advise. Repeated phone call to them have heeded little response other than "please pay balance amount in full". How can they demand this when a settlement has been reached.
