वास्तव में CAR की EMI/किश्त नहीं देने पर क्या होगा ? Facing Recovery Agents
Namaste Doston, iss video mein apko bataunga ki agar aap car ki emi nahi dete hain to apke sath kya ho sakta hai. recovery agent gaadi ko kin parishitiyon me utha lete hain.
CIBIL SCORE :- CIBIL Transunion Score is a 3 digit number which represents your credit history. This score is calculated on the basis of your credit report which contains your credit history. The CIBIL score ranges between 300 and 900. High score implies a good credit history. So, closer the score to 900 better it is. If you have score closer to 300, there are high chances that your credit card application will be rejected.
Your Rights against Recovery Agents
1-Identity: You can ask the recover agents to show their identity cards issued by the bank or under the authority of the bank.
2-Privacy: You have a right to privacy. The recovery agent cannot discuss the debt to another person. So don’t panic if he threatens to tell neighbours or co-workers about your debt. If he does so, you can file a complaint against him with the bank.
3-Time: The recovery agent should contact you between 7am and 7pm. However, if your working hours or work shift does not permit this, you may be contacted beyond this time limit.
4-Calls: You can choose the place and time for receiving recovery calls. You can also request them to not call you at a particular place or time. For instance, if you don’t want to receive calls at work, specify the same to the agent or the bank. Keep in mind, they will respect your request only till they feel you are not avoiding them.
5-Decency: The recovery agent has to talk to you in a decent and civilized manner. No abusive language should be used. Also, the written communication sent by the banks should be easy to understand.
6-Investigation: If you file a complaint against a recovery agent, the bank needs to investigate the matter. This makes recovery agents accountable for their collection practice.
7-Inappropriate occasions: If there is a death in your family or any such event, you can tell the agent not to call you or make visits for a few days.
8-Records: Banks document the content of conversations between customers and agents along with the time and number of calls. Banks also need to keep all copies of communications sent to customers.
9-Disputes: If you face any dispute or differences regarding dues, seek assistance of the lender.
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