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I am unable to repay credit card bill of icici bank due to the Bankruptcy. It was more than 4 month ago since I paid,I have wrote complaint/letter to RBI ombudsman cms and Bank BO both but did not got any positive response from there. Now what should I do? And where I should write for any relief as well as harassment compensation? How to write for settlement?

It is really sad to know that you are not in a position to pay your credit card dues to ICICI Bank due to bankruptcy. In your case RBI Ombudsman does not come into picture. You have to sort out the matter with the bank only. I presume from your query that some order related to bankruptcy has been passed against you, the details of which are not known to me. If the order mentions anything about the credit card dues, you have to act accordingly. If it is something else than bankruptcy, ICICI bank may offer one-time settlement. However, it must be in writing from their side and note well that such a settlement would spoil your credit score. I request you to specifically write to Moneylife what exactly is the matter.

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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.

Shirish Shanbhag Shirish Shanbhag has an MSc in Organic Chemistry, Diploma in Higher Education, a Diploma in a French and has completed his LL.B. in first class, in 2021. Before his retirement, he was a junior college teacher at Patkar College from July 1980 to May 2012, where he taught theoretical and practical chemistry. Post retirement in 2012, he started providing guidance and counseling to people on several issues, with a specific focus on co-operative housing society related matters. Adv Shanbhag has a kee

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

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