Hello Sir/Madam,

This is Charles from Chennai, I would like to get legal opinion from you regarding my credit card issue with Barclay Bank. Actually I got settlement letter from the bank on 20/03/09 and I have finished my settlement on 21/03/2009 itself, I had given 1 cash payment and 2 Post dated checks and got the receipts from the collection agency, also the 2 checks got cleared, (first check with dated 25/04/2009 & second one with 25/05/09 as per bank request and settlement agreement.

Here first check has been cleared on 27/04/2009 and second check was cleared on 16/06/2009 in my account. But After that I am keep on getting call from the collection agencies and bank and asking the credit card balance (They are telling still there is 35K balance is there), I have the credit card settlement letter and slip and everything but they are telling me that amount is not paid within the date (Check should be cleared may 2009 itself) but they have deposited the checks 2 weeks later, its 200% bank responsibility to deposit the check on time, now they are claiming me to pay the whole balance amount again,

Also they are sending goondas to my home and giving trouble over the phone and sending the goondas to my home, I am really frustrated about this, This is really very bad that asking money even after cleared the balance and settlement has done 1 year before.

Now I would like to go for legal action . Please advice

Thanks,
Charles.