Actually I had lent Rs. 20000 to one of my friend who runs a gym through credit card also he gave me a cheque of Rs 20000 .
Now he is not returning the money what further steps should I take to get the money back.
Please guide.
As Axis Bank provides E-Debit along with physical debit card, If I block my physical debit card permanently will the E-debit card attract any annual fees?