HDFC Bank — legal notice

Address:

bangalore, 560029

I have already paid the three months or four months pending emi and still i get a legal notice from advocate amit kumar. Its four year loan payment period, and i have been paYING THE EMIS, EVEN THOUGH THERE WAS A DELAY FROM MY END. jUST BECAUSE I DID NOT PAY THE EMI FOR A FEW MONTHS DOES NOT MEAN THAT I WONT PAY FOR THE EMI. OBVIOUSLY. I WILL PAY TO THE EMI FROM MY END. EVEN THOUGH THE EMI WAS PAID, WHY AM I RECEIVING THE LEGAL NOTICE TO PAY THE ENTIRE AMOUNT OF THE LOAN. THEN WHY SHOULD HDFC ASK CUSTOMERS THE TIME PERIOD FOR PAYING THE LOAN, WHEN THEY CAN SEND A NOTICE AND COLLECT IT BEFORE THE 4 YEAR PERIOD. tHIS DOES NOT MAKE SENSE AT ALL.
THE LAWYER SHOULD CHECK WITH THE BANK BEFORE SENDING NOTICES TO CUSTOMERS