Loan default.

5 years ago

I have taken a car loan of amount 3 lac in the year 2015 November, i was continuously giving late emi in the year 2017 but i was paying emi within the month, during November 2017 i was having 2 emi bounced, unpaid, so company manager came to me and advised me to surrender your car with a reason that u have taken loan for somebody else on my name and he is now unable to pay the emi so i am surrendering my vehicle, and as per his advice i surrendered the vehicle to the company. and that manager told me that he will take care of everything nothings gonna happen. i was receiving letter from company about auctioning the vehicle and i informed each and every letter to that guy, but in April 2018 they sent me legal notice that car is been auctioned in 1.5 lacs and an amount of 74626 is pending due on you kindly submit this amount within 7 days or company will file a legal case on me. after that i went directly to companies office to ask that manager abut his next plan, but i came to know that he left the company 2 months back. i talked to the lawyer of the company there he told me to submit 25000 per month and complete the payment within 3 months, but i am unable to pay such amount i told him that i can pay 10000 per month to clear pending dues. but he ignored.
i want to know should i send a letter directly to head office legal lawyer from where i am receiving these letters for asking them why they have charged me 15000 for repossession if i have surrendered my vehicle by myself ? or is there any way to get rid of it ? please help me out. i will be very thankful.