2months emi notpaid,what is the procedure
ashok
(Querist) 11 February 2015
This query is : Resolved
I took 2 loans from HDFC.one is 300000for 36 months,EMI dateis 7th of every month,6 EMI paid,2nd one 84000 for 36 months.,EMI date 4th of every month.,paid 3months EMI.
In January 2015 months 2 EMI`s are bounced.Within 10 days I got call from customer care.They harassed a lot.I told them I will before next EMI`s date(Feb month).She was not accepted harassed a lot,she told 28th last date,I told her I will try for that date.My salary not credited,suddenly lost job& they told feb 20th they will credit my salary.I told to HDFC bank FEB 4th actual date.I missed that date.daily they are calling harassing.,Finally decided to keep my mobile and laptop some where for amount.Jan 4th and 7th 2 EMI`s are bounced,Amount was10696+2999+penalty.Again Feb 4th bounced again 2999+penalty.total amount = 10696+2999+2999+penalty.But they harassed lot for next EMI amount 10696 also on 6th FEB,Next emi date was feb 7th.I planned to pay except 10696 emi total amount arranged remaining amount to pay 7th feb at 1pm.remaining amount planned on 20th(My salary will get credit). But they harassed on 6th feb for total 4 EMI`s.They told to me ashamed ,not genuine customer,wat kind of person you are?,defaulter and she was calling so many time to my parents(He was not signed on agreement and he dont know hindi and English and they were speaking English and Hindi only)...Bcz of this harassment Iforgot to pay amount frustrated and ego hurted.I told her I have 20000 and waiting for remaining amount like that.I told her 7th date,I miised that date because shwants total amount,4 days back they we aresending persons to your home you should pay to them like that.My parents don`t know about the loan,I was in hyderabad(Actually I took loan in MUMBAI(My native Nellore)) on that time,I missed 4 interviews I came to home,On 10th unknown people came to my home,My mother thought HDFC person`s and she was scared and got little bit heart stroke and she slept.After 2hours I came to home and asked her what happened?. She was scaring fully.My question is I will repay total loan within 1month,What about this harassment and I wan file a case on them.Is this possible? My ego hurts fully,main problem parents harassment and Ididn`t crossed that much time limit and upto now I paid regularly..I want to do something on them.11th or 12th I willpay toal EMI`sbut I need justice.
Jayashree Hariharan
(Expert) 11 February 2015
Don't worry. Please go personally and speak to them, before they file a case against you. Arrange for money from some other source and give. You can meanwhile get in touch with anyone who knows about association of people who have been meted out with such treatment, so that you can get better guidance.
Legally, they have every right to file a case against you. So please go and meet them personally and convince. Best wishes.
Rajendra K Goyal
(Expert) 11 February 2015
You have taken loan and liable to repay it. They have right to approach you in case of your default.
First repay the loan taken, they will not approach you.
For any misbehavior you can record the call and move if any of the RBI directive is violated.
ashok
(Querist) 12 February 2015
Thanks for giving reply..,11-02-2015 I paid total dues.Sothey have rights for scolding a customer and his parents ?. Parents don`t about the loan details.I got the money at 1:30PM on 11th and I have to go 70kms to pay that amount(HDFC Bank Place),,,She called me and harassed why you late?,You didn`t have respect on bank?,You don`t know time maintenance?...like that harassed while riding a bike.I told on the way already.Again she called to my dad.While riding I missed 2 accidents..,Is this correct way ? I can pay total amount,I am planning for to pay total amount ,I want to take legal action?
AND
I went to the my local HDFC Bank and they told no need to pay penalty now and u can pay at last also AND also informed harassment, they also agreed with me and they told all procedures for recollecting cash....like that they told.For this penalty also harassed me for 1 hour after paying the 4dues amount.
Note:All calls were auto recorded in my mobile.
