Personal Loan issue
2 months ago
I took a personal loan from HDFC Bank and paid regularly for 3 years. Now I lost my Job and am unable to pay I explained this to my bank but they are sending collection executives daily and harassing me. I am trying hardly to get new job. I feel like comitting suicide. Please help me in this situation.
A.Dear Client,
To address concerns regarding recovery agents employed by a bank, there are several avenues for filing complaints:
1. Local Police Station:You can file a complaint against the recovery agents at your local police station. Ensure to endorse a copy of the complaint to the concerned bank.
2. **Online Complaint:** Lodge a complaint against the loan recovery agents appointed by the bank online at [https://cms.rbi.org.in](https://cms.rbi.org.in) or by calling the helpline number 14440.
3. Offline Complaint: You can file an offline complaint by submitting it at the Centralised Receipt and Processing Centre (CRPC) at RBI, 4th Floor, Sector 17, Chandigarh, PIN-160017.
4. Recent Legal Precedent: Cite a recent judgment from the Hon'ble Patna High Court (Dhananjay Seth v. Union of India, 2023 SCC OnLine Pat 1393, decided on 19-5-2023), where the court directed the Superintendent of Police in all districts of Bihar to ensure that no recovery agent takes the law into their hands without an order of the competent court of law.
Additionally, consider seeking advice from a certified credit counselor for a quick counseling session. They can help explore options and guide you on the right path to resolve or settle the matter effectively.
To address concerns regarding recovery agents employed by a bank, there are several avenues for filing complaints:
1. Local Police Station:You can file a complaint against the recovery agents at your local police station. Ensure to endorse a copy of the complaint to the concerned bank.
2. **Online Complaint:** Lodge a complaint against the loan recovery agents appointed by the bank online at [https://cms.rbi.org.in](https://cms.rbi.org.in) or by calling the helpline number 14440.
3. Offline Complaint: You can file an offline complaint by submitting it at the Centralised Receipt and Processing Centre (CRPC) at RBI, 4th Floor, Sector 17, Chandigarh, PIN-160017.
4. Recent Legal Precedent: Cite a recent judgment from the Hon'ble Patna High Court (Dhananjay Seth v. Union of India, 2023 SCC OnLine Pat 1393, decided on 19-5-2023), where the court directed the Superintendent of Police in all districts of Bihar to ensure that no recovery agent takes the law into their hands without an order of the competent court of law.
Additionally, consider seeking advice from a certified credit counselor for a quick counseling session. They can help explore options and guide you on the right path to resolve or settle the matter effectively.
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A.Dear Client,
In the given situation, filing a complaint against the recovery agents at the local Police Station endorsing a copy of said complaint the the concerned Bank, a complaint against the loan recovery agents appointed by the Bank can be made online at https://cms. rbi.org.in or by calling the helpline number 14440. The complaint may also be lodged by filing an offline complaint and submitting the same at the Centralised Receipt and Processing Centre (CRPC) at RBI, 4th Floor, Sector 17, Chandigarh, PIN-160017. In a recent judgment, the Hon'ble Patna High Court in the case of Dhananjay Seth v. Union of India, 2023 SCC OnLine Pat 1393, decided on 19-5-2023 directed the Superintendent of Police of all the districts in the State of Bihar, to ensure that within their jurisdiction no recovery agent of the Bank and Financial Institution might take the law into their hands without an order of the competent court of law. Further, a quick counseling session with a certified credit counselor can help you discover your options and choose the right path to resolve or settle the matter.
In the given situation, filing a complaint against the recovery agents at the local Police Station endorsing a copy of said complaint the the concerned Bank, a complaint against the loan recovery agents appointed by the Bank can be made online at https://cms. rbi.org.in or by calling the helpline number 14440. The complaint may also be lodged by filing an offline complaint and submitting the same at the Centralised Receipt and Processing Centre (CRPC) at RBI, 4th Floor, Sector 17, Chandigarh, PIN-160017. In a recent judgment, the Hon'ble Patna High Court in the case of Dhananjay Seth v. Union of India, 2023 SCC OnLine Pat 1393, decided on 19-5-2023 directed the Superintendent of Police of all the districts in the State of Bihar, to ensure that within their jurisdiction no recovery agent of the Bank and Financial Institution might take the law into their hands without an order of the competent court of law. Further, a quick counseling session with a certified credit counselor can help you discover your options and choose the right path to resolve or settle the matter.
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