Payment dues
3 years ago
During the pandemic i lost my job and due to that i am unable to pay my card and emi dues..i have paid till the dec 2020 but now it's very hard for me to pay it further. Banks and the recovery people are harassing me day n night..how can i solve this thing?
A.1) As you was the regular payer of Bank loan/ credit card there is nothing much to worry as the covid-19 situation is NOT been deliberately bought by you, but it is due to the situations beyond your control.. & a national Disasters .
2) Using of any abusive language with your wife/ family members is very much illegal as the card is not in her name request you to record all the calls immediately along with the Caller name, time and date and save it into a pen drive forward it to us
3) All this has been banned by the RBI then to advice you that as the situation is beyond your control straight away tell to them that you are unable to pay the outstanding dues. The maximum they can do is keep your name in CIBIL
4) Send a email to all the banks asking for more time & if situation improves tell them you have a very positive intend to pay just like you have paid regularly before & if they keep on harassing you then you can tell that they may never get the amount. Also record all their calls & make a pendrive ready of all the recording with date & time & Name of the person calling, as if things really go bad you will have to take a legal action against them.
5) Now it’s the Time to file a police complaint that some unknown people / Recovery Agents with different numbers are calling them, a stern action will be taken.
6) But if you want to defend them and running the legal battle will be a costly task for you …as you have NOT mentioned what is your total outstanding dues. If you are ready for the cost… then task of legal steps are ready
If you realize my professional skills, the time & efforts put in by me needs to be truly appreciated, and then Please “CLICK MY LIKES/ THUMBS UP/GIFT” button shown below this reply format & also CLICK/ WRITE a “REVIEW” in 5 star as I have answered your query in detail. Hope this information is useful
ADV. ANISH PALKAR (High Court)
2) Using of any abusive language with your wife/ family members is very much illegal as the card is not in her name request you to record all the calls immediately along with the Caller name, time and date and save it into a pen drive forward it to us
3) All this has been banned by the RBI then to advice you that as the situation is beyond your control straight away tell to them that you are unable to pay the outstanding dues. The maximum they can do is keep your name in CIBIL
4) Send a email to all the banks asking for more time & if situation improves tell them you have a very positive intend to pay just like you have paid regularly before & if they keep on harassing you then you can tell that they may never get the amount. Also record all their calls & make a pendrive ready of all the recording with date & time & Name of the person calling, as if things really go bad you will have to take a legal action against them.
5) Now it’s the Time to file a police complaint that some unknown people / Recovery Agents with different numbers are calling them, a stern action will be taken.
6) But if you want to defend them and running the legal battle will be a costly task for you …as you have NOT mentioned what is your total outstanding dues. If you are ready for the cost… then task of legal steps are ready
If you realize my professional skills, the time & efforts put in by me needs to be truly appreciated, and then Please “CLICK MY LIKES/ THUMBS UP/GIFT” button shown below this reply format & also CLICK/ WRITE a “REVIEW” in 5 star as I have answered your query in detail. Hope this information is useful
ADV. ANISH PALKAR (High Court)
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Sidhaarth
Responded 3 years ago
A.Firstly report the matter to police of harassment by bank official and it's goons. Bank can utmost file recovery case but cannot harass you in such manner. You can offer for settlement in court also on your terms.
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Ayantika Mondal @ Prime Legal
Responded 3 years ago
A.Hi,
You can request the bank to restructure your repayment plan, or grant you an extension. Failing this, you can approach the Banking Ombudsman and state your grievances.
If you found this helpful, please rate us.
You can request the bank to restructure your repayment plan, or grant you an extension. Failing this, you can approach the Banking Ombudsman and state your grievances.
If you found this helpful, please rate us.
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Varun Vij
Responded 3 years ago
A.Hello,
You can request the bank through the manager to amicably resolve the issue and grant some time to pay the same. Recovery people are not the employee of the bank so usually harass!
Request the bank to extend the time or provide certain relief to you for your amount!
You can request the bank through the manager to amicably resolve the issue and grant some time to pay the same. Recovery people are not the employee of the bank so usually harass!
Request the bank to extend the time or provide certain relief to you for your amount!
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A.Hi,
You can approach the bank authorities personally and request them to restructure your repayment plan and grant you an extension or some lenience.
You can file for bankruptcy if you believe you will be unable to repay the amount. Alternatively, you can approach the Banking Ombudsman to state your grievances.
If you found this helpful, please rate us.
You can approach the bank authorities personally and request them to restructure your repayment plan and grant you an extension or some lenience.
You can file for bankruptcy if you believe you will be unable to repay the amount. Alternatively, you can approach the Banking Ombudsman to state your grievances.
If you found this helpful, please rate us.
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