विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
Sandeep
T S Khurana Answer |Ask - Follow
Tax Expert - Answered on May 24, 2025
Asked on - Apr 16, 2025
I am 55 years old and suffering from Cancer, this month I missed credit card and personal loan EMIs due to my ill health despite being a loyal customer of the banks for more than 10-15 years. I get 200 calls from each bank along with threatening WhatsApp messages. A couple of banks sent abusive Collection Agents to my house, who created quite a scene at my door. Despite requesting the banks to give a few days for payment, their threatening and abusive behavior is increasing day by day. Fear of losing my life not because of this dreadful disease but because of the threats from the banks. Please guide me.
Ans: 01. You should consult an Advocate for this purpose.
02. In my personal opinion, You should write to the concerned Banks (Speed Post or letter acknowledged by bank), expressing your intention to clear your liability & explaining your position & requesting them some time to take care of your liability towards bank.
03. If they don't co-operate with you, write/tell them to file a case against you, instead of creating non-sense, when you are suffering from a life threatening disease. This is a civil case & not a criminal case & I feel you would be getting reasonable time, while the case is processed.
However, an Advocate's opinion in such matters is a better option for future course of action.
In the mean while, please don;t panic but concentrate on your treatment. In such cases, court has the jurisdiction to decide and that takes time normally (which you require).
Wish you all the best & speedy recovery. Most welcome for any further clarifications. Thanks.
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02. In my personal opinion, You should write to the concerned Banks (Speed Post or letter acknowledged by bank), expressing your intention to clear your liability & explaining your position & requesting them some time to take care of your liability towards bank.
03. If they don't co-operate with you, write/tell them to file a case against you, instead of creating non-sense, when you are suffering from a life threatening disease. This is a civil case & not a criminal case & I feel you would be getting reasonable time, while the case is processed.
However, an Advocate's opinion in such matters is a better option for future course of action.
In the mean while, please don;t panic but concentrate on your treatment. In such cases, court has the jurisdiction to decide and that takes time normally (which you require).
Wish you all the best & speedy recovery. Most welcome for any further clarifications. Thanks.