My old personal loan from UTI Bank, taken in 2007, was written off with a remaining amount of ₹30,000. Now, Axis Bank is demanding ₹1,86,000 for the same loan. There’s been no communication from any bank since 2007 until this recent message. How can I resolve this confusing situation?

You should first contact UTI Bank and request a statement of account for the loan. This will confirm the outstanding amount and the write-off. Then, present this information to Axis Bank, explaining the discrepancy and the lack of communication. If the situation remains unresolved, you can consider filing a complaint with the Banking Ombudsman.