u/Critical-Sandwich608

I am seeking urgent advice regarding a Standard Chartered Bank (SCB) Personal Loan , SAHA FINLEASE that was settled 17 years ago but has resurfaced as a "zombie debt."
• Settlement History (2009): i took a loan of 5 L and I entered into a formal settlement with SCB in July 2009. The total amount agreed upon was ₹1,65,000, which I paid on May 30, 2009 And the rest waived off

*( i have receipts ( proof) showing that the lender / bank has approved my payment and agreed for settlement and closure after waive off )*

The document agreed to close for a lower payment and I paid the first instalment as agreed now I’m getting repeated calls from shah finlease saying that my cibil says i have dues

• The Problem: While I have the physical Settlement Letter and Payment Proof, I do not have a formal Closure Certificate or No Objection Certificate (NOC).

• Current Harassment: Shaha Finlease Pvt Ltd (who bought this debt) and S.M. Legal are now calling me daily, using threatening and demanding ₹3,30,775. They claim the loan was never "closed" and are treating the waived portion from 2009 as an active default. They are saying I need to pay the remaining loan amount because my cibil says there are dues and my loan is not closed

They have sent a legal notice
I need guidance please DME I will share you the legal notice they sent me and the documents which I have regarding 2009 loan settlement

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Looking to partner with wholesalers in Mumbai

Hi everyone,

I’m looking to connect with wholesalers in Mumbai for a business tie-up. I can offer competitive pricing and good margins, and I’m interested in building a consistent, long-term supply relationship.

Open to categories like flowers, fruits/vegetables, FMCG, or similar high-demand goods.

If you’re a wholesaler or have reliable contacts, feel free to DM or comment.

Let’s work something out.