Must know if miss EMI

Sarfraz
Sarfraz

1st EMI bounce – a team is assigned to collect the dues called SMA(Special Mention Account 1)
If 2nd EMI bounces – a team is assigned to collect the dues called SMA(Special Mention Account 2)
Ifn3rd EMI bounce – a team is assigned to collect the dues called NPA(Non-Performing Asset) which means the defaulters are no longer profitable for the bank, these people do not have a salary. They get 15 to 30% of the amount you pay.

  • Not clearing EMI on time is not a crime and no one take you to jail but you should pay once you get the money. The loan can not be waived off but can be settled by the bank. So, you need to clear the EMI
  • No FIR can be raised if you are an EMI defaulter.
  • They can’t visit your home to collect money and if they visit they should have proper information such ID card, Home Visit Letter, DRA license, and Authorization Letter.
  • You should Complain in Cyber Crime if they harass you. Those who have a DRA license will talk properly.
  • They will pretend to be police, advocates, and so on but not in real.
  • Ask which thana you are calling from, advocate do not call for EMI collection, an advocate can send you the notice( check if the notice is fake. To check it, check for Indian Government Stamp( written Satyamev Jayate), Magistrate Stamp, Magistrate Signature and that should be registered in the court) but can’t threaten you to call as they don’t have rights to call and threaten you.
  • Accept the court notice if you receive it. Don’t underestimate it but make sure it is genuine.

If the Check bounce case is registered (under Section 138) you will get the Same day bail.
Payment & Settlement case is registered ( Section 25) Same day bail.
If you receive a Recall/Demand/Arbitration Notice, you can contact sir on 8707630268 for an objection letter.
If you receive Sarfaesi Act 13(2), 13(4) notice, call on above number

Under Section 13(2) of the Sarfaesi Act, when a borrower defaults on repayment, the secured creditor is authorized to issue a notice to the borrower. This notice serves as a crucial communication, formally informing the borrower about the default and providing a 60-day window to rectify the payment

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