Hello ,

i m Milindkumar Sawarbandhe working with a software firm in Pune. Last year 2010 SCB provided e the Titanium cards and some days later bank called me for Dining card worth Rs 4000 and mentioned very usefull. but as soon as i got the booklet and template i found it useless for me as most of discounts are for expensive hotels and places were i dont visit. i asked the to cancel the Dining card , bit i got response that they can close card only at end of 1 yr of issue with minimum service charge.
Means while i purchased worth Rs.4225 on card in Jan 2011, but because of my financial condition being gone week i could not paid the amount . so in June bank called me and said my cards payment around 9000 in which 6500 is of credit cards and 3000 is of dining card.
i paid some 6500 as i want close the credit card and ask to cancel the dining cards and accepted to pay cancellation charges of dining cards. after which getting calls and statement stopped. so i m relaxed that cards is closed.

But today bank recovery called me and said my cards is having Balance of Rs.14000 for titanium credit cards and some Instabuy's Account and today is my last date to pay. if i dont pay they will file my name on CIBIL and i will not get any loan ever.

i just want to know ,,is every right is given to this bank ,,and allow them to do malpractise and harass the normal tax paying employee.

do i have the right to put my views so that my name will be clean in CIBIL.



Milindkumar Sawarbandhe