Legal Notice Received from Bajaj Finance Limited within 26 days time

2 years ago

Hello Team, I am Venu from Hyderabad received a legal notice from Bajaj Finance Limited through an Advocate from Maharashtra. I missed my EMI from Bajaj EMI Card for June month, however my track record for previous months were good. I had conversations with the Bajaj Staff where they refused to give me time and on 23rd June'2021 I had a conversation with them, as they continuously told me me that they want to visit my home location for which I am not comfortable, I asked them to proceed legally rather just sitting on my head for payments, I mention my genuine reason as my wife who is pregnant facing multiple difficulties that had led me increases expenses which had not allowed me to pay my EMI's for June month and I also agreed to make the EMI payment including all penal charges by next month which was not taken into account by anyone. They sent a legal notice which they shared to wife's contact number on 28th June'2021 via whats app , not even by email. When I checked the legal notice it was dated 19.06.2021 however I had a conversation with Bajaj team on 23rd. Its truly un fare to see such notice where a person could not be considered as defaulter within 30 days of time and its as per RBI norms only. Do not know what could I do , kindly suggest. I could do payment of this EMI by 30th June'2021 but there is no one to listen my words. Kindly advice.