Pl. note not only Banks who issue credit cards and give loans even mobile operators specifically reliance uses such tactics they employ these so called recovery agents better to say criminal elements .
Generate false bills and after that uses these criminals to extort that money .There agents pose as Lawyers & SHOs on phone and use abusive language ,misguide & threaten customers and even there relatives. Misbehave with women/children/old parents present at home . Question is why don't they follow legal process ? Why don't they send proper legal notices or reminders which they never send and there agents takes advantage of this they take cash using there receipt book and after that uses that amount for personal usage. On enquiring you get reply ' this is not our receipt see stamp is not there in corener ' or 'this one is the older format must be a stolen receipt book we can't do any thing ' ' why you paid cash or handed over mobile to them' you tell them to show records of reminders sent you will get nothings . suddenly after 2-3 years of handing over handsets you start getting calls from there agents ( I am so and so SHO warrant is there against you name contact this lawyer - lawyer will tell you pay before this hr. etc. after some time they start using abusive language)
This whole process clearly indicates criminal & fraud methodology usage goverment should take action against such operators and formulate law & policies so eliminate such practices Police
