[Resolved]  HDFC Bank — Credit card collection

Address: Mumbai City, Maharashtra, 400026

I refer to the verbal communication of my wife with your collection agent Mahesh today morning on the phone in my absence. My wife or family members are not liable or responsible to pay for this card. Mahesh is demanding money and is threatening to use illegal means of collection. He threatens to defame me in the neighbourhood and uses foul language on the phone with my wife and mentally torturing my family members, is this way of demanding money legal?

I am sure he must be speaking on a recored call, you may please listen to the call to verify if I am wrong.

I am unable to pay as of now due to my health and work condition. I have explained about this in the past. I need time to start earning enough to pay the dues. As you do not have time to wait for a few more months, I am trying to obtain a loan against property to payoff the credit card. As I do not have any income documents, I have to try a private party to lend. It does take time, so I am requesting that you wait till the end of April so as to finalise the documentation and get the loan to pay off the card. If you cannot wait till then, you may please take legal action. I am willing to face the consequences.

I request you that none from your collection team demand the dues from any of my faamily members nor use bad language nor threaten them in any way. We are passing through a very bad phase, and my family members are already feeling depressed. It is very difficult to control the situation in the house. This mental torture can lead a person to commit suicide or runaway from the house. Please do not make the situation worst for me to survive.

Rajesh Susania