[Resolved]  Tata Motor Finance — Closure of Loan account

Address:

Srinagar, Jammu and Kashmir

I had taken a car laon from TATA Motor finanace srinagar on Indica.Contract No 86782.Since I was paying regularly,but due to the political unrest in the valley during the year 2008 and 2010 my instalments couldnot be deposited on time.This was not my fault whole valley was closed due to curfew and strikes for 6 to 8 months during both the years.Even government had issued directions to all financial institutions to be soft on the borrowers on part of collections.I am paying current emis plus 1 emi from OD.but I was not able to pay overdue back log in full.Now I have managed some funds from my friends to settle the case in one go.but TMF employees are demanding extra intrest ODC plus CBC and pre closure payment of Rs 5000 including the future due intrest.which is unfair. I unfotunatly could not pay due to the political crises of the valley and also my salary was with held with deptt as I was transferred from Kargil to Srinagar.Srinagar was closed due to curfew and we were not able to get our salaries.I requested he TMF authrities to help me out I am ready to close the ac on principle amount plus interest till date and other charges levied in the account should be waived off.
..Mr Satish BM.TMF called me from Jammu he was vey polite and spoke to me in a encouraging tone...he suggested me to have some patience till the matter is resolved.
But later Mr.waseem called me from srinagar office...he was not speaking in good tone..he was very roude
with me...He was not listening to my humble requests..he encouraged me to approach Court rather then comming to an amicable solution.
I had repaid to TMF to the best of my capacity..even in the termoil periods and curfew periods of the valley..
Mr.Waseem dared me that I have to pay all ODC plus CBC charges and pre closure charges of Rs5000.as per waseem 5000 is a small amount...but for me 5000 means 3 months school fee of my children...
I am a middle class lady..whos salary was on hold from my employer due to transfer from Kargil.which is amoung the resons of cheque returns..I have not done a will full default.TMF is a big house and my humble request is to settle my case on the Said amount and indirectly help my family.
My husband is idle and is not having any Job.I am having 2 kids and whole responsibility of the family is
on my shoulders.
I am following my request with the TMF customer care vide i Complaint No.01CUS423788.I had approched the higher authroties of TMF but have not received any revert on my mail requests.

Request to consider my request positively.

Regards

Gulshan Bano
wife of Bilal Hussain
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