Questions & Answers
Does the bank have the right to file a civil case if I fail to pay instalments after raising them?
Dear Sir,
I had a credit card with a bank (Islamic card). The limit is 36k and the guarantee cheque I signed mentions the same amount 36k only.
Now as I am not paying and the bank is telling me they will file a civil case and travel ban on me.
I want to contest as when I took the card the charge was only 340 per month now since 2019 they increased it to 1250 per month and I paid the same until November 2022. Hence I paid the bank approx 45k.
My questions are:
1. Will the bank file a civil suit for 36k?
2. Will I get a travel ban immediately?
3. Will it affect my visa transfer?
They will file a lawsuit with the guarantee check.
Yes, a travel ban can be imposed. It is preferable to use a lawyer to solve the matter amicably and pay the amount in installments to get a certificate of innocence.