Hi, I had an issue with a Immigration consulting services firm , they defrauded me by concealing , mis leading ads and lying on various things.
I have paid rs 70K and after realizing their fraud , I have contacted my bank and initiated a chargeback dispute for misrepresentation, the dispute was reviewed and settled in my favor by the bank and I got the money back ( A charge back is a right given by the VISA for a consumer, this process is transparent and based on documentation i submit to them )
Now, the O.P says we want that money back or else we will file civil/criminal cases.
Please let me know
1. what are the legal options available for the O.P against me since my bank legally took the money back from O.P
2. I already issued a notice and Now I want to move to court to quash the contract and claim other losses incurred, can you let me know the drafting process please. I have the format but in what order and what documents to put and other things to submit the draft in forum, like index etc toget a date for the hearing.
3. the DD amount for cases less than 1 lakh and on whose name DD to me made
4. Can O.P send collection agents ? Can O.P affect my CIBIL score anyway , does CIBIL even accept such issues ?
I need help with the drafting as I heard if not done properly it wont be accepted , any detailed help is appreciated
