Harrasment by Collection Agency-Swot Consultancy Services, Mumbai

Location/place: Goa

Name of company/service: HDFC Credit cards

I was using HDFC credit card with limit of 30000,that i closed in 2009.Now after 3 years wen I applied for SBI card, I suddenly started getting calls fm the above mentioned collection agent stating my card is in default position. They harass me at my work place and even to the extent that the executive calls and says that he is my boyfriend callin and wans to speak to me.I work in a bank,and it is a mental torture that this guy named Karan Shah is givin me. I have made much more payment then wat i have actually used the card for and now after 3 years they say I am a defaulter(this is wen they got to know i work for a bank) all these three years they were least bothered of informing. They have given me fabricated copy of statements now, wherein my limit is showin as 60000. I never remember accepting my card limit enhancement to this amount.The guy from Swot Consultancy Services, kumbai doesnt even respect the fact that he is talking to a girl. He is giving me mental torture when and where I work. Is it legally correct to harass someone saying that the debt is outstanding that too after 3 years? I have a few receipts here n there but not complete records as i was under the impression that I have closed my card. After the calls I pulled my CIBIL report only to find out that HDFC has reported a due of Rs.68000+(i dont know how) and the cstatus is showing as written off. What should I do? Please dvise as this is creating a bad impression at my work place and defaming my reputation.Just to add, I would like to inform that I also had other Banks cards which are already closed and recently I had taken CD loan from Bajaj FINSERVE which is sucessfully paid. I have had a bad experience from HDFC. please help me sort my problem. This may effect my career badly.


Comments

4 responses to “Harrasment by Collection Agency-Swot Consultancy Services, Mumbai”

  1. Sir, I havent got a reply yet. Please help me out.I have started getting abusive calls fm Mr Karan at SWOT CONSULTANCY SERVICES Mumbai.

  2. Hi…..I am facing the same issue…….but for me.its standard chartered ………..the card which was closed back in 2013….now suddenly these peoples are sending letters tht there is an outstanding amount .Can anybody suggest any solution.Who are these SWoT consultancy ?

  3. Ashish Shah Avatar
    Ashish Shah

    These people are such bast***
    & such firms can be managed by good lawyers & financial advisers

    They are just mother…..s

    An open challenge to such people & company that’s my compliant
    If you don’t reply in next 12 working hours
    I’ll manage rest of all

    Ashish shah

  4. Ashish Shah Avatar
    Ashish Shah

    Date :- 25th june, 2011 to, sr psi D.N.Nagar police station, andheri-west, mumbai subject : complaint of mental harassment by collection agency of sbi card(swot consultant )office no.973 & 984 adarsh nagar ,next to proline shop,near infinity mall,andheri link road,andheri-west,mumbai-400 053. Dear sir, with reference to the above I the undersigned mr.Anil.Patole residing at –flat no.A303-chandresh park chs,lodha heritage,dasale pada ,bhopar road,dombivili-east-421 201. Would like to lauched a complaint of mental harassments against the sbi card agency name:swot consultant –andheri,mumbai. In this view I would like to inform you that I was holding an sbi credit card no.4317575175051714 approved dt.11/2004 valid till with the credit limit of rs.17000/-.The approach for credit card was being forcelly applied by the sbi card agency agents visiting to our office and send me the card. The same credit card was not being used by me for almost 03 months so there was a call from delhi call centre of sbi card for activation of the card but I told them it is not possible as iam not having any requirement for the same and you can cancel my card but they denied to do so.But in the month of march 2005 I had used the card for rs.5000/- And started making payment on regulare basis in the drop box of sbi card branch.Suddenly in the month of may 2005 there was a call from sbi card call centre delhi stating that iam getting an pre-approved loan for rs.32000/- From sbi card and it is a separate loan not connected with my credit card so agreed the same and demand for the loan and send me the DD for rs.32000/- .But after 1 month I came to know that they have given me a wrong commitment about the separate loan account and same was being attached to my credit card account .Slowly grauadly I have started paying the dues of my loan for rs.32000/- And same was being paid fully by apr Suddenly the monthly statement has stop of sbi card and my outstanding was also being cleared so there was a call from sbi delhi call centre for increase in credit limit call. I have denied the same and move forward .After 08 months back there was call from the agency stating that there an outstanding of rs.20,000/- In your credit card so spoke to them and toll them to bring the statement and the — 2 — transaction receipt from were I have made a purchase fro rs.20,000/- So the person came to my house and shown me the statement there was no transaction but the interest on the amount of rs.5000/- Was charged ad it has became rs20,000/- So I told him that you can collect from me rs.5000/- And close the account but he told no and went away.After 02 years mr.Bhatra from legal department of sbi card visited to my resident and met me as there was a recession I was at home with no jobs .He shown me a statement of rs.55000/- Outstanding on your card but I have asked the same question how come when iam not using your card howcome it will be a rs.55,000/- Thousand so told me that it is due to interest charged on your account so I told him that your agency person have visited and I have committed him about rs.5000/- Which I have actual spend on the card so howcome I can pay the money wherein iam not having a job.Still I have toll him that I will try to pay the amount of rs.5000/- And you can contact me on my phone he told ok and went away. Now it is almost 07 years past there was a person who visited my resident on dt.18/06/2011 and met my wife and told her that there is an outstanding of rs.95,000/- On your credit card so she shocked and told that we have already informed many a time whenever there was call from your office that your can take a rs.5000/- And settle the account but the answer was no.So he went off and said to my wife that it is due to interest your account is showing these much of outstanding on your account. Finally on dated 24/6/2011 a girl/Women from the swot agency without any intimation had called to my office were iam recently joint just 90 days has past company name(electronica finance limited) she has mentally harasment my mumbai office collegue stating that iam calling from bank of india and mr.Anil.Patole has informed us that he has kept rs.95,000/- At office and iam sending person to collect the same.She has also done the mischief of calling at my head office at pune-and given the same wrong information to my sr zonal head mr.Suhas gore-asking him that we know your residence address and ioam sending the person for collection of cash in behalf of mr.Anil.Patole for rs.95,000/- This information was being provided by my zonal head and he was surprised that bank of india why they are calling us for payment so they have asked me to leave the job and because of the mental harresment made by the agency of sbi card iam not having any choice accept a sucide because I will be jobless and in my family iam only the person to work and 02 child+ wife is depended on me kindly it is my humble request to register my complaint and give me justice from the same. For your information the details of agencies phone no and address are mentioned below:- agency name : swot consultant address : office no.973 & 984 adarsh nagar ,next to proline shop,near infinity mall,andheri link road,andheri-west,mumbai400 053. Operating telephone nos:-02264517391/02265294030/02264157392/9967425866/9324556378/9223570331/9867211211/. Thanking you, yours faithfully, anil.Patole (M)9323022117 C.Mr.N.C.Vishwanathan –asst vice president -sbi cards and payment services pvt.Ltd.-Mumbai CC.Additional commisoner of police-mumbai. CC.Reserve bank of india-customer complaint. CC.The president –all india human rights protection. CC.Chief editor-rashtriya sawrakshan.

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