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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#CarLoanTips #LoanRepayment #LoanRecoveryAgents

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41 Responses

  1. Devidin kumar Devidin kumar says:

    Hello sir …….mere papa San 2004 me gadi liya tha lon me and kuchh paisa,₹200000 // jama kiya tha kist na bharane par o 4mah baad legaye legay and san2014 take kagaj bhejete the aour ham paisa nahi diya and ab na kagaj aaya na koi kaise maloom Kate ki lon maf ho gaya hoga peileze sir

  2. Oves Khan says:

    Sir mene emi nahi bhari ha carvising karva sakte ha company me

  3. Sandeep Singh Bhana says:

    Sir mene kisi ko bike dilai thi vo emi de nai rha tha usse bike mene leli aur vo bike wapis deni h aur vo bolre h aur paise mag rhe h

  4. Mo. Sameer says:

    Sir
    Maine Mahindra finance k through aik taxi purchase kiya tha jiska emi 11 mahine ka bacha hua h ,
    Aik notice bhi 45 days pehle aaya tha .
    Lekin abhi tk koi responce nhi mila company se ,
    Kya aap isko short out krne k liye koi tarika bta skte h …..

  5. Rajvir Gill says:

    Bro send ur no..muje kuch or bi puchna hai

  6. game target says:

    Hame to bank ne marne pe majbur kardiya he bank nahi to car lene ko redy nahi bus une pishe chahiye hamara pur karobar bund ho chuka he jeshe teshe din jarahe he hamre bhagvan ko pta he kal last time bank me jane vale he dekhte he kya hota he thank you aap ka video bohot kam ka he

  7. Bhim Yadav says:

    Thanks sir

  8. Manohar Prasad says:

    bahut hi achhi jankari

  9. Himanshu Raj says:

    plzz sir help me ,,,, sir maine ek car liya tha 10,73,000 loan tha es sal liye the ,,, Feb 2021 ford company ka ecosport,,,
    lekin hm ab emi nhi de skte hai , bank ka av v 1034000
    overdue hm gari ko bank ko surrender krna chahte hai

  10. Akshay Shukla says:

    Sir emi nahi diya aur bike le ke chale geye to baad me paise nahi dene padge na

  11. Shashi Gupta says:

    Sir account mai paise the aur phir cheque bounce ho gya ya phir nhi cut paaye to kya hme penalty lgegi

  12. Joydeep Mukherjee says:

    Ap k har video the Best. I only follow your videos.

  13. Mudassir Manzoor says:

    Can we voluntarily surrender the car if we are not able to pay EMI ?

  14. sunil kumar says:

    Sir Mai be emi nahi de sakta Kya karu kush smj nhi aa RHA

  15. Sheetal Tembhurne says:

    Bank k taraf sey bol rhey ho faltu tips

  16. Arjun m thakor says:

    Bhai me ak problum me fas gaya hu

  17. Vijay Prakash says:

    सर पहला एमआई जमा करने के बाद दूसरा तीसरा चौथा ना जमा करें

  18. Vijay Prakash says:

    सर अगर 1 मई जमा करने के बाद दूसरा एम आई

  19. ABHI SINGH says:

    Sir kya bank car loan ka intrest maff kar sakta hai

  20. preeti srivastava says:

    Bhai apka no kya h Ravi ji

  21. Hariprakash Sharma says:

    Very informative sir

  22. Prashant Chavan says:

    2 Sall se mai EMI Nahi bhara hai gadi bhi nahi uthaya abhi tak kay ho sakta hai

  23. Human Being says:

    Never ever give money to person who is not able pay his EMI & if you give than never expect to get your money back.

  24. prince Sharma official says:

    Kuch na hota 1 saal emi do phir 3 emi mt do Settlement kro simple

  25. prince Sharma official says:

    Kuch na hota Settlement krao moj lo

  26. Akash Chaturvedi says:

    Sir ji mera question ye hain ki mere papa ne car loan kraya tha magma se ab unki death ho gyi h aur jb loan kraya to grahak bima bi karaya tha kya ab bi wo emi unke patni ya bete to bharni pdegi pls sir bataye

  27. Manish singh Rahthor says:

    Sir mai 4 mahine se let fine ke sath emi de raha hu july mahine ka pay nhi kiya hu mujhe gari siz karne ki dhamki diya ja raha hai….

  28. Abhijit chatterjee says:

    Dangerous "harami" hote hay sare private fince companya. Government ko sara private fince company ko band kar deni chahiye. Yee sab harami private fince companya kishi ko v paysha day deta hay pahle, phir inke aandar ka heyan jagjata hay – aager koi emi na day paye to, pora criminal ho jate hay yaa log, logoko darate hay, dhamkate hay, gali galoj to normal hay, phir ush aadmi ka aaysha hal karte hay ki ushe aatma hatya karna parta ha, yato ushi ko gundo shay marya detehay in sob may police in gundo ki help karti hay, unko v thora khila day ta hay or ishi tara inka business chalta jata hay.

  29. Tuhin Kumar Mondal says:

    Sir agar ho car Ka owner car sell kar deta hai to kya hota hai please reply me ?

  30. rakesh sharma says:

    Sir apke contact number dijiye please

  31. Raju Prajapat says:

    Sar Meri gadi Kis Liye ho rahi hai to bank Walon ka koi upay batao

  32. TIGER 007 says:

    Very interested vidieo

  33. TIGER 007 says:

    Very good information is very good
    I n NPA

  34. TIGER 007 says:

    Au bank bhi very rude

  35. Uditya Kachari says:

    Bike agr me supa dia to police mujhe ghr se uthake leke jaiga kiya?

  36. R tube says:

    Gari utha la jayga bhiyaa koy docomants dataa hai o log
    Plze replay

  37. Tech Minds says:

    I suggest everyone prefer government bank

  38. Tech Minds says:

    Wrong information

  39. Faizan Khan says:

    Nice video ravi bhai

  40. Rupender Singh says:

    Sir please reply If I don't pay my emi of two wheeler and and I am living in other address then what.will they catch me.

  41. PRITY SOFTWARE says:

    This is applicable for general public. What about Nirav Modi or Vijay Malliya…. Ha ha ha ha ha ha ha

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