Dear Sir/Madam,

Below is the mail which I have sent to SBI Credit Card division:

This is to bring to your kind attention that I Sunny Kapoor, used to hold SBI Credit Card no: 5264 6853 2447 2743.

Yesterday, I received various calls from the no. 022- 65149566 by the name of a person named SANJAY from SBI Settlement Department office location Mumbai on my company's Boardline no.

The calls are regarding the collection of dues. The worst part of it is as mentioned:-
- using abusive language and threatening to harm me physically.
- harassing me and insulting me by calling everybody at my office as a result disturbing everybody in my office.
- calling my business clients abruptly, with whom I have only professional relation.
- threatening to go to any extend for recovery.
- calling at odd hours and continuously calling one after another with an abnormal interval of 2 minutes.

As per the RBI guidelines all such actions are unlawful.

I would like to ask is this a norm of calling for collecting dues, being a standard method and manner of such a big Bank like yours?

I have been challenged by him and being told that I will be insulted in my office. He will continuously call my colleagues at my office and share all my credit information with them. I don’t understand how can he do this? How can he share my credit information with a third party? Why should they be held liable for my fault? This is height of making somebody annoyed.

I told him that because of my father's bad health I had to come down to Delhi and me being the only son, had to take care of his hospitalisation and medication. Still he was not at all co-operative and instead spoke to me in a very rude manner. Same was the case with his manager Mr. RAVI VERMA (Contact No: 022-65290768) who also didnt understand my problem and was shouting to me on the phone and didnt stop his representatives calling my company nos.

I regret to say that You should be more careful before hiring a DSA or they should have been told the manner?

Your action reference to the DSA, is going to effect to my working. I have been warned by my management of serious consequences, if somebody else is being called and harassed for my deeds. I may be told / have to look for other opportunity. I have been told not to entertain any collection agent at my office. Definitely it’s going to be a question mark on my job.

I have never thought of, even in my dreams, defaulting and delaying payments. Circumstances are not in my favor, I am not even getting any credit from market so that I can settle my accounts.

My inability to pay and my patience should not be taken for granted, it’s my appeal. It was totally immoral, unethical, and unprofessional and had no signs of a civilized person or any kind of etiquettes. Let me inform you that the turmoil after attending the call was so immense, that we decided not to take any call from any third person/ agent calling on behalf of SBI card division.

I am very much available at 9873634306. I am attending all my calls. If found someone from DSA or third party calling will be disconnected immediately. Rather I would like to speak to someone designated from your bank only.

Sincerely
Sunny Kapoor