Credit card bill old debt
I had a Credit Card forcibly given to me by ABN AMRO bank in 2006. I was just 18 years old at that time working part time in a call center before joining degree college. This bank is closed now. I am recently getting calls now after 7 years by Kotak Mahindra Bank (Pheonix ARC) telling that i have 24,500 rupees balance in it and i have to make a payment immediately.
I don't remember having an outstanding balance on that, but they have sent me the card statements which has transactions in mobile showrooms back in 2007. Since the ABN AMRO bank is closed now and i have not been aware of this for so many years... what options do i have?
They DONT have any of my details like address, PAN, passport etc because i didnt have these documents in 2007.
Can this outstanding balance effect my CIBIL score when they DONT have any of my details... i have been getting loans and credit cards without any problem for last few years.
what is the law for stale debts in India?
Can i dispute these charges and refuse the payment?