I have a credit card in bank of baroda

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This is a very common situation, and banks often misuse recovery agents to harass and threaten people illegally. Even if you have defaulted on your credit card bill due to financial hardship, no one has the right to abuse, threaten, or send notices on WhatsApp from random numbers. Legally, you have strong protection: RBI Guidelines clearly prohibit banks and recovery agents from using abusive calls or unofficial WhatsApp notices. A legal notice can be sent to the bank to stop harassment and give you breathing space to restructure or settle the dues properly. If the abuse continues, you can file a police complaint for criminal intimidation and harassment. In case of excess penalty/interest, you can approach Consumer Court for unfair trade practice. I can assist you with this completely online from home – from drafting and sending a legal notice to taking action in High Court/Consumer Forum. Once the matter is in legal control, the bank cannot harass you and will have to talk only through proper channels. Do not suffer silently – you can fight back and resolve this legally. Adv. Vaibhav Sangam Mishra High Court, Uttar Pradesh Contact:

Advocate Vaibhav Sangam Mishra LawRato