Jab loan default ke baad aapko legal notice aata hai, ghabraane ki zarurat nahi hai. Ye article explain karta hai ki notice ka matlab kya hota hai, RBI aur SARFAESI ke rules kya kehte hain, settlement process kaise kaam karta hai, aur borrower ke paas kya options hote hain — including restructure, OTS, aur Ombudsman tak complaint.
- Legal notice ka matlab kya hai?
- Loan par kis type ka legal notice aata hai?
- Legal notice aane ke baad settlement options
- RBI ka compromise settlement framework
- SARFAESI notice (13(2)) kaise handle karein
- Negotiation tips: Bank ke saath baat kaise karein
- CIBIL par kya asar padega?
- Safer alternatives settlement se pehle
- FAQs
Legal notice ka matlab kya hai?
Legal notice ka matlab hai ki aapke loan par serious default ho gaya hai aur bank ab legal recovery steps shuru kar raha hai. Ye ek formal communication hota hai jo aapko bataata hai ki agar aap payment clear nahi karte, to bank agla step lega (jaise court, SARFAESI auction, ya recovery agents).
Loan par kis type ka legal notice aata hai?
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Advocate Notice: Recovery ke liye lawyer ki taraf se aata hai.
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Demand Notice (SARFAESI 13(2)): 60 din ka time diya jaata hai dues clear karne ka. Agar aap nahi karte, bank property possession le sakta hai (secured loan ke case mein).
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Court Summons / Arbitration: Agar bank ne case file kiya hai to aapko court ya arbitrator ke notice mil sakte hain.
Legal notice aane ke baad settlement options
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Loan ko regularize karna: Agar possible ho to pending EMI + penalty pay karke account ko current bana dein.
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Restructuring: Bank se request karein ki EMI kam kar de, tenure badha de.
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One-Time Settlement (OTS): Jab repayment impossible hai, to bank ke saath lump-sum settlement negotiate karein.
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Voluntary Sale of Property (secured loan): Auction se pehle khud bech kar bank ke dues clear karna behtar hota hai.
RBI ka compromise settlement framework
RBI ne June 2023 mein clear rules diye:
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Banks/NBFCs compromise settlement kar sakte hain under board-approved policy.
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Borrower ko settlement ke baad kam se kam 12 months cooling period hota hai usi bank se naya loan lene ke liye.
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Fraud/wilful defaulters ke liye alag stricter rules hain.
SARFAESI notice (13(2)) kaise handle karein
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Ye notice aapko 60 din ka time deta hai dues clear karne ya objection file karne ke liye.
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Aap settlement proposal bhi isi time mein file kar sakte hain.
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Agar aap 60 din mein respond nahi karte, to bank Section 13(4) ke under property possession le sakta hai.
Negotiation tips: Bank ke saath baat kaise karein
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Hardship documents ready rakhein (medical bills, business loss proof, job loss letter).
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Pehle penalty aur charges waive karne ko bolo.
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Lump sum propose karein kyunki bank upfront recovery pasand karta hai.
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Settlement sanction letter likhit mein lein (amount, deadline, waiver terms).
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NOC aur closure certificate zaroor collect karein payment ke baad.
CIBIL par kya asar padega?
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Regular closure = “Closed” (positive).
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Settlement = “Settled” (negative, 7 years tak report mein rahega).
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Score generally 75–150 points girta hai.
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Future loan approvals mushkil hote hain, ya high interest rate lagta hai.
Safer alternatives settlement se pehle
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Restructure loan instead of settlement.
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Sell asset khud (secured loan case mein) instead of waiting for bank auction.
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Consumer Ombudsman ke paas complain karein agar bank unfair charges lagata hai.
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Debt counselling se repayment plan banwayein.
FAQs
Q1: Kya legal notice aane ke baad settlement possible hai?
Haan. Notice ke dauran ya uske baad bhi aap settlement negotiate kar sakte hain. Lekin sab kuch likhit mein lena zaroori hai.
Q2: Kya legal notice ignore karna chahiye?
Nahi. Agar aap ignore karte hain to bank SARFAESI possession ya court order le sakta hai.
Q3: Kya RBI borrower ko settlement ka right deta hai?
RBI sirf framework deta hai; settlement ka final decision bank ki committee leti hai.
Q4: Settlement ke baad kya main turant naya loan le sakta hoon?
Nahi. Kam se kam 12 months cooling period hota hai, aur aapke CIBIL par negative impact bhi hota hai.
