Credit Card & Personal Loan
3 years ago
Since Covid19 i am job less.I am 57 years old.My last salary drawn was Rs.1,00,000/- per month.During covid my both father & mother expired due to kidney failure & brain hemorrhage.I spent most of my saving towards towards medical expences &^ my day to day home expences. Now i am not in a position to meet day to day regular expences & even school fees. I was paying monthly EMI of Rs.40,000/- towards Car loan,Personal loan & credit Card .Now i am traying for another job,but not getting a suitable job due to age issue.I am in mentally pressure & don't know what to do.Please advice me. Can i go to consumer court ...
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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Ayantika Mondal @ Prime Legal
Responded 3 years ago
A.Hi,
No, you cannot file a suit against them.
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If you found this helpful, do rate us.
No, you cannot file a suit against them.
Thank You
If you found this helpful, do rate us.
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A.Hi,
No, you cannot file a suit in the consumer forum.
Thank you
If you found this helpful, do rate us.
No, you cannot file a suit in the consumer forum.
Thank you
If you found this helpful, do rate us.
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