What to do - need legal advice
Hi, I have taken some personal loans from NBFC banks. About 65% of the EMI has been completed and I was facing some financial issues such that I was unable to pay the rest of the EMI. I have written to the NBFC banks for a settlement or to provide some time or to restructure my loan. They are not ready to restructure the loan and provide me with some time to pay the loan.
My credit was wet and I became a defaulter. Instead of providing me with a solution, the bank agents keep calling and harassing me to make the payment. Some banks are ready to provide me the settlement in a single EMI which is a bigger amount for me to make the payment and I have asked them to provide the settlement into EMI but there are not ready to provide me the settlement into EMI.
I have some queries.
1) How can I stop the agent's call?
2) Due to some financial issues, I was not able to pay the EMI, but I am ready to pay if they provide some time or restructure the loan. How can I get this done? 3) Can other banks block my savings account?
4) Some credit cards are charging more interest and asking me to pay the complete amount in a single EMI as a settlement, as I have mentioned by providing settlement on principal into EMI. but they are not accepting that.
5)There is some WhatsApp chat where the agents have mentioned that a collection person will reach out to my address and collect the amount. Can it be possible?
6) Is any lawyer interested in sending the notice to the back on behalf of me? If so, what will be the charges?
Asked 1 year ago in Criminal Law
Religion: Hindu
Thanks for your response
7) As I already sent the mail for settlement and they are not responding to it. And meanwhile they are sending the whats app message that """under section 138 & under section 420 we are registering case file against you as a defaulter.& Sending our Field officer at your register Office & Home Address.""". How can I face this
8)Can I mention this case to RBI to provide some time or settlement
Asked 1 year ago