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Notice: Violation of Fair Debt Collection Practice
Jan 29, 2020 10:00 PM 3552 Views

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Dear All,


This is to hereby wish to bring to your notice that RBL bank and its executives(mentioned below) are directly violating the Fair Debt Collection Practices Act.


List of Violations:


Violation 1: Disclosure of personal debt with Third-party/parties.


Violation 2: Placed excessive phone calls(Over 100 calls in 2 days), use abusive language with the third party while calling for me.


Violation 3: Threatened to cause harm to me by threatening my employment and right to livelihood


Accused Part 1: Rxxxxxxx Sxxxxx


Accused Part 1: Axxxx Shxxxx


Accused Part 1: Gxxxxxx Kxxxx(Vice President/Zonal Head)


Phone Number of Accused: 011 4272 xxxx, 095 4079 xxxx, 0954079xxxx


Background:


Since 28th January 2020 - My place of employment(IRIS Business Services Pvt Ltd) has been receiving recovery calls from debt recovery agents claiming to be Rxxxxxxx Sxxxxx and Axxxx Shxxxx from RBL Bank. They have called my place of employment on number(226723xxxx) and kept calling on different extensions within the office stating that I(Benjamin Isaac) have committed Financial Fraud and have been evading calls and communication from the bank.


Details:


The recovery agents have without my consent discussed the details of my Credit Card debt and outstanding dues with multiple people which is a direct violation of RBI laws. I spoke with their manager Gxxxxxx Kxxxx(claims to be RBL Vice President/ Zonal Head North West South etc.), to escalate the issue and bring to his notice the activities of these collection agents who are defaming me within the organization and stating the fact that the bank is calling other people and disclosing my debt but not calling me directly. Upon expressing my frustration to him due to this harassment. I was taken by surprise when he justified the actions of the recovery agents as right and appropriate. He further went on to state that I am a criminal, that I have no rights and that I should not be spoken with or treated with respect as I am a defaulter and have committed financial fraud.


Both Mr. Kxxxx and Ms.Rxxxxxxx have been mentally harassing me and have threatened to continue to call my place of work to speak to my HR, CFO, CEO, MD, etc to disclose to them that I am CIBIL Blacklisted and have a background of Financial Fraud and that the company should terminate my employment if I do not pay my dues RBL bank.(Call Recording are available on request)


I have already escalated the issue with RBL customer care on 28/01/2020: Complaint ID - 15818534


Present Scenario:


On 29th Jan 2020, The said recovery agents have continued to call my place of work, without calling me on my registered number. When I called Ms.Rxxxxxxx she stated that she will keep calling my place of work continuously until I make the payment. She and her colleague have called my workplace over 100 times today and have used profanity while speaking to my colleagues and members of the reception and admin team. The Admin and legal Head of my organization even spoke to her on the reception phone and clearly instructed that she on behalf of


RBL bank is intentionally harassing employees at work and that the company will initiate legal action if she or RBl bank continues to place calls at the workplace. Her actions are causing loss of man-hours and disruption in workflow and this will result in a monetary fine and compensation over and above the legal/police action. She went on to even defy him and stated that she wishes to get my employment terminated and will not stop, my company can continue with legal formalities but she will continue to call until she receives the payment.


The said Ms.Rxxxxxxx, has called on office landline phone that does not have an auto call recorder feature and speaks profanely to my colleagues and reception staff, additionally, also she keeps telling everyone she speaks with at my workplace that I am a "woman abuser", have committed "financial fraud" and to escalate me to HR and senior management. Taking advantage of the fact that the calls are not recorded, when confronted about her words and calls she proudly justifies herself saying that you cannot prove anything as you do not possess a call recording that I have called your workplace.


The harassment, defamation, and stress caused by her on behalf of BRL bank are deeply troubling me and left me with no option but to seek legal counsel. Following which a non-cognizable office(Police N.C) has been logged against Ms.Rxxxxxxx Sxxxxx.(Attached a copy of the NC) She has even been informed by the police to cease all communication on my workplace phones. But she continues to defy all laws and says that Mr. Kohli supports her actions and no one in RBL Bank is above him and can override his decision.


I posses call recordings where she has called my workplace(placed the call on speaker) while defaming me to a female colleague and then calling me from the other phone and making me listen to it. So basically while I am on the phone talking to her she simultaneously is also calling my workplace and asking for me and telling people that I am avoiding her calls.


I hereby wish to state the following on record:


I, Benjamin George Isaac, have not authorized RBL Bank &/or its employees to call disclose my debt to anyone apart from me.(Not Family, Not parent, Not Neighbours, Not work colleagues)


I, Benjamin George Isaac, have not authorized RBL Bank &/or its employees to call or contact me on any other phone apart from my registered phone number which is+91 998708xxxx.


I, Benjamin George Isaac, have been mentally harassed, been called a criminal, been humiliated over the phone by RBL Bank &/or its employees and have been humiliated in front of my bosses, staff & colleagues at work because of the said actions.


I posses all call recordings for the calls placed to my registered number with substantial proof and evidence of these multiple violations by RBL bank and its employees. Kindly let me know where and how should I submit the same for your perusal.


Also, please note the day to day activities of many staff within my organization - IRIS Business Services has been greatly impacted due to the recovery agents constantly calling their phone lines/extensions from different numbers. Incase this harassment continues to occur they will be forced to take legal action against RBL Bank as an entity that may extend to compensation for the man-hours lost due to the reckless recovery action taken by RBL Bank and its entities.


Lastly, I would be to open to negotiating a doable payment plan to settle my dues with the bank post I receive an apology by Mr.Kxxxx for the mental trauma and public defamation caused to me by him and his team.


All calls recordings are available on request.


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