Reference: NOTICE ID: IN189-62240

Date: 27-11-2023

EMAIL / WHATSAPP / SMS / RPAD

(WITHOUT PREJUDICE)

RECOVERY NOTICE

Altamash Sheikh

941 Hasanbagh Opp Kabristan Nagpur Maharashtra 440009

altamashsh88@gmail.com
8446605639;

Ref ID: 2856150332075935554

Sub: Legal Notice for Recovery of Credit card dues towards Credit Card No.: 471227 issued by BOB Bank

Dear Sir/Madam,

Pursuant to the instructions from and on behalf of my client BOB Bank together with M/s FPL Technologies
(P) Ltd. (“my Client”), located at 127, Disha Building, Aundh- Baner Road, ITI Road, Near Sarjaa Hotel, Pune-
411 007, I hereby serve you with the following Legal Notice:

1. Whereas upon considering instructions and perusal of the documents placed before me by my Client, it is
found expedient to issue this notice to you – the noticee, so as to appraise you of the facts and
circumstances on the basis of which the legal (criminal and/or civil) proceedings may be instituted
against you.
2. That you had availed a credit card (Co-branded Credit Card “OneCard”) facility launched in partnership
with BOB Bank vide credit card no. 471227 . That the said Credit card was availed on the
representation that you shall repay the same in timely manner and accordingly, believing your
representations to be true, in furtherance of you agreeing to the Most Important Terms and Conditions
(MITC) and the OneCard Credit Cards Terms and Conditions, you were issued the above-mentioned
Credit Card and as such you are bound and liable to clear the debts together with interest and charges
thereon.
3. That even after repeated reminders on your registered email address and phone number, you have
shown no intention to repay the debts. This act of yours is fraudulent and my Client has instructed me to
file a criminal complaint under various provisions of the Indian Penal Code, 1860, including for criminal
breach of trust for non-payment of outstanding dues. That the total outstanding amount against your
credit card has accumulated to Rs 6480.56/- as on the date which is further payable along with agreed
interest, charges etc. till full and final realization of outstanding amount.
4. That from the very beginning your motive was to induce my Client with false promises and
misrepresentations in order to obtain the credit card facility from my Client, and derive undue and
 wrongful gain by causing wrongful loss to my Client. The above acts of yours are illegal and falls within
the definition of “offence” under Sections 406 and 420 of the Indian Penal Code, 1860 and Section 73 of
the India Contract Act, 1872.
5. It is further stated that, in compliance with the guidelines issued by the Reserve Bank of India, in the
event of non-payment of outstanding amounts, my Client shall be constrained to provide your details to
"Trans Union CIBIL Ltd." and report the default committed by you.
6. That this notice shall also be treated as notice under Section 21 of the Arbitration and Conciliation act
1996, and as per Clause 16 of the OneCard Credit Cards Terms and Conditions, my Client shall refer the
dispute to arbitration to adjudicate the matter.
7. In light of the amendments in the arbitration law and the judicial pronouncements regarding
appointment of arbitrators, with a view to provide each party full opportunity to present its case fairly
and conveniently, and in order to facilitate the conduct of arbitration proceedings, administrative
assistance by a suitable institution or person was evaluated.
8. We further state that to avoid any future litigation against you for the recovery of dues, my Client, as a
last chance, is reminding you to pay the outstanding amount of Rs. 6480.56/- within seven days of
receipt of this notice.
9. If there is no response to this notice, all the legal rights shall be explored, including, but not limited to
legal proceedings necessary to recover the debt without further notice.
10. This recovery notice for payment is an official notice to you, and may be tendered in court as evidence of
your failure to pay. Any legal action shall be at your cost and consequence, and may also impact your
credit history.
11. You are requested to get in touch with the authorized representative of my Client on its official no.
9988871111 for any further clarifications.

A copy of notice is preserved in my office for record and future course of action.

Sincerely,

Parshva Jayesh Shah

Advocate, High Court