Legal Question in Banking Law in India
I was residing in the UAE in 2005. Due to the sudden loss of my job i had to return back to India with family. I had received a mail a few days back from the bank directly asking me to pay 214,000 Dir hams for a credit card payment. Without much delay all by them self they brought it down 8000 .
I need advice since this bank is not in India and they have handed over this to a legal firm which is based out of Delhi and they keep on writings mails to me and also have asked some of its collection agents to visit my house and take pictures..
Can this legal firm send somebody to be from the bank or what legal action can they take? I do not ave any intention of going back to that country but i am willing to pay what i have used.
I have not received any notice or any statements from the bank and in spite of me insisting they are not willing to share the same with me
Can you let me know what are the legal help i can avail of or what are the steps that I need to follow.
I did write a mail a few days back and got response but it was not very clear
Would request you to help me out on this.
3 Answers from Attorneys
This could be a fraud too. The bank in dubai will send you a demand notice and proceed as per the laws applicable there.Please get in touch with the bank officials on their official website.verify if they have engaged someone to recover the amount. For further query contact 9312411481.
Don.'t respond to the local agent's mails. If any Recovery agent threatens you, file a complaint to Police and RBI. If they file a suit against you in Indian Court, which is quite unlikely, defend it through a good local lawyer. As long as you do't return to UAE the Bank from that country cannot legally proceed against you.
You can ask your lawyer to send a legal notice to the bank to furnish the details.
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