Tata Nano — Threatening to repo car even though we haven't defaulted on the loan for the past 50 months

Address:	Mumbai City, Maharashtra, 517588
Website:	nano.tatamotors.com

Loan account no: [protected]
Customer id: [protected]
Finance amount: 213000
Loan tenure (in months): 59
Vehicle model: nano lx
This is regards with vehicle purchased from tata nano motors, tirupathi on 02 june 2012 with finance option for 59 months which would end in the 02 april 2017.
Vehicle is in my mother's name mrs nagaram mary helen dorothy.
On 14th july 2016 we received legal notice from tata motors mumbai, stating that all emi’s from june 2012 till june 2016 has been paid, but you have neglected to pay the monthly instalments so in immediate effect you would need to pay a total of rs. 71, 101.56, if not vehicle would be repossessed by tata motors within 48 hours.
Trying to make sense of the sentence here, you paid till june 2016, but you missed on the monthly instalments?
For nearly a year these guys from mumbai and tirupathi had been harassing my mother, and we had been responding and trying to figure out this situation, since she had been paying every month without defaulting on her loans.
Insurance:
1. while purchasing vehicle from mg brothers (tata dealers, tirupathi) it’s noted that insurance for 5 years is covered in emi payments, which is in fine print by the statements provided by tata motors.
As per the records given by you, and every month we are paying rs. 406.78 and for 59 months, amount comes to rs.24000. basically it comes to rs. 4800 per year for insurance, which is being paid every month.
Now, we received insurance only for 2 years. one when we purchased the vehicle and another a year later. that’s it. we didn’t receive insurance for the years 2013 and 2014.
A month ago we got one last insurance.
Calls from customer service:
1. my mother started getting these calls from customer service every other month in the last one year by saying you missed out on payment. please note, they don’t say insurance at first but emi has been defaulted.
Customer service: you have defaulted on your emi
Mother: which month?
Customer service: please check your records, we are not sure.
Mother: let me check with bank and call you back (now she goes to bank and get the statements, does her due check, etc., then call back and say, have cleared all months so far)
We get a break for a month and then again call starts
Customer service: you have to pay rs. 6000, for insurance
Mother: but we haven’t received insurance for the last 2 years. also we already paying it along with emi.
Customer service: you need to contact with dealer in tirupathi

Then she calls up the guy in tirupathi
Dealer in tirupathi: you need to pay rs.14, 000 (numbers seem to be pulled at random)
Mother: after she explains everything along with dates when amount has been cleared every month, etc., he would just be quiet.
Then we received a notification in may 2016 that we need to pay additional rs. 8148 for insurance. immediately we wrote to customer care and dealership from tirupathi. no response.
Now, in the last two months rs. 8148 has turned into rs. 22051.56 (i am assuming this is the insurance amount)
Vehicle:
Vehicle had problem with steering, clutch right from the beginning, it was difficult to drive, change gear etc., i don’t know about driving, will let the mechanics sort it out in court later.
Anyways, on 11th april 2016, my mom and driver was on their way back home and driver lost control of the steering (connection snapped, probably there is a better term to use). vehicle veered towards the side and hit another in front, before he could bring the vehicle to stop.
Mom and driver are getting treatment from the hospital for the last 3 months, not to worry will produce all the documents (medical bills, towing, mechanic bills, purchase of new steering) when you come and try to repo the vehicle. also will bring in police, since she is an old woman, and tata motors is trying to rob her.
To sum it up:
1. you want us to pay for the insurance that you didn’t provide to begin with for 2 years?

2. after paying for 50 months (june 2012 - july 2016) without defaulting not even once, you would reposes the vehicle, if we don’t pay the insurance of rs. 22051.56, let me repeat again which you never provided for two years?
Please do clarify these, so it would be easier when we sort this up in court.
My mother has spent her hard earned money on this car, and it doesn’t sound like a justification from your end to take up money from her for 4 years, 2 months and conveniently demand for more money as she is closing in on her loan, if not you will repo the car.
This is bordering on threat and fraud if nothing else.