[Resolved]  HDFC Bank — settlement of personal loan

Address:

Mumbai City, Maharashtra

My husband had taken personal loan of Rs. 140000/- which was 5 yrs back, of which i was totally unaware of...now HDFC persons approached in september month and asked us for payment but my husband was jobless and recently he joined somewhere with salary of 15500/- so i agreed HDFC to pay...i asked the option of full n final settlement for which he agreed for 75000/- but later he convinced me for full payment if i want to increase my husbands CIBIL score...then therefore he tried to help me to pay in 2 shots of 65000 and 75000/- then Nov 2013 i paid 65000/- by taking loan from somewhere else on my name but unless i repay the earlier loan i wont be able to take 75000/- loan and same was informed to HDFC person n he agreed saying that "keep paying minimum installment of Rs 500 and pay whenever you get other loan". But recently other person are visiting me to pay as its year ending in Feb and March and therefore they are trying to get bigger amounts from me...which is almost impossible for me as i have a 2 yrs old daughter who keeps falling ill and i am hardly able to pay for her expenses moreover i have a housing loan so 2/3 rd of my salary is taken away by EMI. Last month i have given 6000/- rs DD and now they are asking for 20000/- or 25000/- as its year ending and they have their targets to be completed.I am having sleepless nights these days coz looking after my family requirements and my daughter is causing stress on me. So please help me out to settle the issue coz tension is taking toil on me i would like to meet the recovery dept to convince his to take final settlement and relieve me from all this stuff coz its me(not at all liable to repay loan taken by my husband) is making payments and not my husband who has taken the loan. Guide me accordingly, i can pay 20000/- next month as a full n final settlement which is more than what was said earlier for final settlement.Payments made till date are as follows : Nov : Rs 65000 Dec : Rs 500 Jan : Rs 500 Feb : Rs 6000 Since 1st march the person is asking for 20000 amount which i wont be able to pay coz i have to pay the installments of loan taken from my office n unless i clear that i wont be able to pay HDFC loan