I am writing this as a complaint to notice received on[protected], sent by Adv. Amit Kumar, representing legal for HDFC Bank, dated 4th Nov 2020. In his notice it was mentioned that I have made a default in my payment on the above mentioned Car loan of HDFC Bank Ltd which was noted and replied, with a denial of mentioning as not a defaulter by purpose but reason as current Kovid -19 pandemic situation.
I received support from the bank during the moratorium period were in my request, I clearly mentioned my situation of not getting my full month salary. Just 20% is received till this month which doesn't serve me for my living. I requested bank for a grace time till December 2020 in my online submission of moratorium approval to the bank. The bank sanctioned relaxation during the moratorium period. As the moratorium extension is still pending before the court, I have requested for not taking any steps of legal proceedings through the executive who had come here for collection. He has physically verified and understood my current face of situation I undergo from the organisation I work for.
I have never been a defaulter with the bank nor would I like to be a defaulter. This can be checked and verified from my previous track of my monthly payments.
Under the circumstances my liability averred by legal person adv. Amit Kumar should have been considered before sending me a legal notice.
Expect to have a direction to the bank for considering my start of next repayment installment from January 2021 onward.
Sincerely with regards,
Sunita Sankaranarayanan Was this information helpful? | 
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