My Axis Bank credit card was linked to my salary account, but I lost access to my online banking and ATM. I informed the bank, and they issued a new ATM card, but the PIN hasn’t arrived. My salary account had enough funds to cover my credit card balance, and it’s been locked for over a year. The bank has reported this to CIBIL and is now threatening me with phone calls. Their nodal officers suggested I contact a branch to resolve the ATM PIN issue and sent an apology email. Can I claim compensation from the bank for the credit score damage and threatening calls? I’m willing to clear my outstanding dues.

Apni Law
Apni Law
Law Forum › Category: Consumer Court › My Axis Bank credit card was linked to my salary account, but I lost access to my online banking and ATM. I informed the bank, and they issued a new ATM card, but the PIN hasn’t arrived. My salary account had enough funds to cover my credit card balance, and it’s been locked for over a year. The bank has reported this to CIBIL and is now threatening me with phone calls. Their nodal officers suggested I contact a branch to resolve the ATM PIN issue and sent an apology email. Can I claim compensation from the bank for the credit score damage and threatening calls? I’m willing to clear my outstanding dues.
Vote Up
238
Vote Down
Apni Law Staff asked 11 months ago

My Axis Bank credit card was linked to my salary account, but I lost access to my online banking and ATM. I informed the bank, and they issued a new ATM card, but the PIN hasn’t arrived. My salary account had enough funds to cover my credit card balance, and it’s been locked for over a year. The bank has reported this to CIBIL and is now threatening me with phone calls. Their nodal officers suggested I contact a branch to resolve the ATM PIN issue and sent an apology email. Can I claim compensation from the bank for the credit score damage and threatening calls? I’m willing to clear my outstanding dues.

1 Answers
Vote Up
23
Vote Down

Best Answer

Apni Law Staff answered 11 months ago

Under Indian law, you may have grounds to claim compensation for the credit score damage and harassment from the bank. The bank’s actions appear to be unreasonable and may constitute a violation of your rights, especially considering their acknowledgement of the issue and the fact that you are willing to settle the dues. You should consult with a legal professional for specific advice and guidance on pursuing compensation.

You Might Also Like

I booked a flat in Raheja Developers’ “Krishan Housing Scheme” under Haryana’s Affordable Housing Policy 2013. I cancelled the booking in November 2016, but Raheja Developers are refusing to refund my money. They say they’ll only refund after selling my unit and receiving payment from the new buyer. This could take 10 months, and they won’t pay any interest for the delay, even though they charge a 15% interest for late payments. This doesn’t seem fair. What should I do? Can I get help through a legal notice or a consumer forum case?

I opened a fast food joint in Thane called “Khao Galli” and registered the name under class 43. After two years, I decided to sell the business. Since the location was rented, I found a buyer and introduced them to the landlord. They signed a new lease agreement, and I cancelled mine. However, the new owner is still using my “Khao Galli” name even though they’re operating under a different name on the lease. We had agreed on a business transfer agreement, but it’s not finalized, and now they’re trying to renegotiate the price, which feels unfair. What are my options? Can I take action since the trademark is still registered in my name, even though they have a lease agreement with a different name? Also, can I open a similar restaurant elsewhere without any legal issues, considering the trademark remains registered under my name? The trademark currently shows “Objected” online, due to a recent query, but I’ve already submitted a legal response.

Hello! I recently got admission to a well-known college and they promised hostel allocation based on merit. Their prospectus mentioned giving priority to students from outside Mumbai and its suburbs (like Virar, Titwala, Ambernath and Panvel). I topped the merit list and am from Uttar Pradesh, but they gave the hostel seat to a girl from Assam who ranked lower. How do I proceed with this situation?

I filed a complaint against ICICI Bank in the Belgaum court regarding my pension. The court accepted my petition and ordered the police to investigate the matter and file an FIR against the bank and its 10 directors. While the FIR is registered, the police aren’t actively investigating and are suggesting I withdraw the case and pursue it in a civil court. I believe this is happening due to pressure from ICICI Bank. The investigating officer (IO) is refusing to investigate and plans to return the case to the court as a “civil matter.” What are my options now?

My family ordered a 50-inch Sony TV from ShopClues on January 14th and paid Rs. 75,000 online. The promised delivery date was January 28th, but the TV hasn’t arrived yet. We’ve been contacting ShopClues for the past 8 days, but they keep telling us to wait another 48 hours. What should we do now?

Share This Article
Previous Article My lawyer sent a legal notice to the other party. Their lawyer replied, admitting some details. Can I use this admission as proof in court? Could the other party claim their lawyer sent the reply without their permission? How can I make this reply notice a strong piece of evidence?
Next Article I’m feeling unhappy in my arranged marriage, which happened on the 29th of April, 2015. It feels like my wife doesn’t want to be with me. We’ve been facing family issues, and she seems to prefer spending more time at her mother’s house than with me. I’m thinking about a separation.

Follow US

Find US on Social Medias
Popular News
- Advertisement -
- Advertisement -
Ad imageAd image

📢 Stay Connected!

Join our community on Telegram and WhatsApp for instant updates, news, and exclusive offers.