dear sir,
i am using Cerdit card loan and presonal banking loan. iam paying regularly Persoal laon EMI, But unalle pay due amount of Credit card loan amiunt. but i have payed some amount. but bank manager asking me pay dueamout on before due date.
but due to my situation i have no resources to pay in due time. but after with in 1 week of due date i will pay overall amount. I have explained the same situation to Bank officials, they informed me to " you have to pay within due date, or ther wise bank will issue legal notice, even if you pay the amout after due date . so then you have to settle entire amount ".
sir, is there any thing or suggession from you pls.
A.Dear Sir,
Get issue a legal notice and also approach Banking Ombudsman.
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Keches Shilwante
Responded 3 years ago
A.If someone defaulted the loan amount, bank have to follow some process and give the to defaulter time to repay the due before issuing any legal notice. Bank will issue legal notice only when you loan account is NPA, where repayment is overdue by 90 days. And Don't worry bank are regulated by RBI and they cannot behave like moneylender.
A.Hi
It is suggested to have a meeting with the bank manager and explain them your situation and ask for an extension of time which they will be bound to give.
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