I am in trouble and need help from you guys.
The problem is related to Credit Card Defaulter:
More than 2 years back some SBI Credit Card agent come to me and offered free Credit card and Add-on card.
As I donít use credit card much, I said no to him. He insisted me and requested that it is a life time free card and
If you donít use than you donít need to pay for it but you may need it in future, I also think that if it is free then what is the problem in taking the same and I took the card with Add-on.
But one thing is sure that I never used the card.
Around 6 months back I come to know that there is due on my account and Now yesterday one person came to my house and given an visiting card of a vakil and asked me to contact.
Today when I contact him, he said that you have to pay 3,800/- dues on your account or SBI will file the case in court.
Please let me know what is the right way to come out of this case and in case if SBI file a case in court, what will be the impact on me.