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Hi , I have a series of credit card settlement alerts from Axis Bank in my email account. I have never had any Axis Bank accounts in my life. I used to have Citibank credit cards, but they are closed decades ago. I checked my CIBIL report, if there are any Axis bank credit cards linked to me. However there are none. I checked with Axis bank's customer support - they are insisting to share my email/phone numbers, (masked) aadhar and pan card for further investigation. I am reluctant to provide this information, because they can immediately switch these cards to my phone. While i can file a cybercrime complaint or with the RBI ombudsman, i am debating if the trouble is worth it, as it will take considerable time and cause more anguish. Appreciate any advice
Credit Card
I am getting SMS as mentioned below
Greetings from Reliance Asset Reconstruction Company Ltd. Dear XXXXXX, This is with regards to your loan account XXXX. As you have failed to pay the OTS amount offered. After multiple attempts of contacting you, now we have transferred your case to the next action.
Greetings from Reliance Asset Reconstruction Company Ltd. Dear xxxxxxx, This is with regards to your loan account RARCxxxxx. As you have failed to pay the OTS amount offered. After multiple attempts of contacting you, now we have transferred your case to the next action.
Can you please help me and guide me? I do not work anymore and do not have any income source. How do I deal with this? Credit Card
I don't know what am I even doing .. I'm so depressed i don't know what to do ..thing is ..I am stuck in a loop of personal loan from mobile apps ..I have a decent job ..I took my first loan of mere 200 ..then someone told me to build a good cibi as my family was planning to buy a house on loan ..back than there was not many apps . I kept taking different loans thinking kya hi hojayga 1000 500 se ..and even gave some loans to my friends.. slowly the intrest started to pile up ..then friend got in a situation and wasn't able to pay his loan ..and I was also not in a good condition..so I just took loans from one app to pay another..i had no choice..the interest kept piling up and now
No app is giving me another loan and I am in a dept of 2,17,650 ...
My family I not much financially good ..my father is busy in making funds for the house ..he already suffered 2 heart attacks..I can't tell him this ..i really don't know what to do ..my only option is to get a big loan of 2 lakhs ... Loan
Sucheta Dalal Trustee - Moneylife Foundation
Abhay Datar Abhay Datar is a consumer activist. After working at Bank of Baroda for about 29 years, he retired as IT Manager. After retirement, Mr Datar joined Consumer Guidance Cell of Mumbai Grahak Panchayat (MGP) in 2008 and solved many cases related to banking including online fraudulent transactions, misuse of credit cards and ATM cards. Also handled cases related with mobile banking frauds and mediclaim. He was a Member of the Managing Committee of MGP till March 2021.
Suresh Prabhu Mr Prabhu retired as Senior Vice President from HDFC Bank
R Bhuvaneswari After serving Bank of Baroda for almost 40 years, Ms Bhuvaneshwari retired as Chief Manager in 2013.
Yogesh Sapkale Yogesh Sapkale is Deputy Editor of Moneylife and writes on finance, credit related issues