1) litigation is long drawn process process and expensive proposition

2) you will end up paying more money on legal fees than in recovery of excess amount charged by bank

3) better pay dues claimed by bank

4) get rid of write off status from CIBIL

5) since you did not pay due amount of Rs 300 bank must have sent intimation at your address mentioned in your communication with the bank

6) you ought to have checked your email regularly

7) bank can recover penalties on non payment of balance amount as per your credit card usage agreement with the bank

1. It is your duty to take note of and respond to all the communications sent by the bank. If you had relocated abroad you should have informed the bank.

2. Now write to the bank and offer to pay the outstanding amount with penalty computed and request that the delayed payment entry be removed. If the bank does not remove it then a suit for mandatory injunction against the bank will be the only remedy.

3. Before filing the civil suit serve a lawyer's notice to the bank.

4. We cannot predict the fee that your lawyer will charge.

1) legal fees for drafting and filing , various court dates would be more than Rs 50,000

2) if you lose the case you will have to pay bank dues as claimed by the bank

3)you would get chance to argue your case

4) court would pass orders based on evidence on record

5) if you win the case your dues would be waived off

1. Bank authorities do not report the matter to CIBIL. CIBIL is given the access to the server of the member Bank wherein statement of accounts of all the Borrowers are kept.

2. Your statement of accounts stated that there vis a balance in your account to be paid for which the Bank has charged penalty as per their rule.

3. The bank has ear marked your account for filing suit and since the due is less than the amount to be paid for filing and continuing the court case, they have written off.

4. You should approach the said Bank and request them to reopen your account for receiving payment of your outstanding dues as on the date of payment.

5. Once you pay off your dues, the Bank statement will show that you have paid off your dues which will be accordingly reflected in your CIBIL score.

1. Your only problem is to convince the Bank authorities to reopen your written off account.

2. Once you can reopen your said account by approaching the Bank's senior level personnel, your job is over.

3. As stated in my earlier post, Bank does not give any report to CIBIL. it gives CIBIL access to the Bank's server from where CIBIL corrects statement of accounts of all its Borrowers and reflect the same in their web site. CIBIL has the parameter for scoring the accounts based on the statement of accounts collected from the member Bank's server.

4. I find that there is no deficiency in service and unfair business practice detected on the part of your Bank for taking them to Consumer Forum. You can file a complaint case but it may not yield your desired result.

5. Bank has never denied that you have paid 23 EMIs and most of the dues but you can not deny that there was still some outstanding left to be paid by you which you did not which resulted in to their writing off the debt and the consequential adverse CIBIL score.

6. Approach the higher level offiicials of the Bank for reopening your account to pay the dues, if possible.

I am ready to pay this due amount also but i want to bring this situation towards the court of law and will pay this as per the court guidelines

The unpaid Rs. 300/- developed into the massive 6000 over period of time.

This is as per the conditions agreed by you.

You cannot claim the verbal assurances given by some staff in those days.

You may not be able to file a suit in the court since you are at fault.

Your presumptions do not have any anser in law, you should have cleared them that time itself.

Now also you can pay that amount and get your cibil reports straightened.

I am ready to pay due amount with fines to Bank, though i pay the full amount with fines Bank won't revert back CIBIL entries, Hardly Bank will change the status from WriteOff to closed but Delayed Payment entry ( DPD ) won't remove, since they already sent writeoff this account DPD's will stay in CIBIL for next 10 years. Any how i won't get bank loans for next 10 years.

If you are worried about the said situation, then you may make a representation to the bank authority with your option to clear the entire dues agaisnt you in return they have to oblige with rectifying their report to cibil about this

By reviewing credit card statements court may give some guidelines to bank for corrections according to RBI guidelines ?

The court may not even entertain your case if it is found that the nonpayment of the dues are your mistake.

Therefore instead of stretching the things you can look for some way to get the relief of not being in the cibil's adverse circle in the future..