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Are You a Loan Defaulter? Know Your Rights
Bangalore: Are you a loan borrower and unable to repay it on time? It doesn't mean you have to get stressed and harassed for it. There are some rights as a borrower set by the Banking Codes and Standard Board of India (BCSBI), in association with Indian Banks Association (IBA) that you can exercise if you are not able to repay your loan. The code of conduct towards the borrowers by banks demonstrates the guidelines for the loan recovery for the bank.
1. Sufficient Notice
The bank should inform the borrower about his dues, legally with a formal notice, along with a sufficient notice period for payment. It should provide a minimum notice period of seven days before initiating the loan recovery process against the borrower.
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Reader's comments(6)
1:
Hii>>Nice Post!!
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- 21 May, 2012
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Posted by:fdsag
- 05 May, 2012
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Thanks for giving us such a good information.you can take the loan for home on..http://www.dialabank.com/article.cfm/articleid/1546
wikipedia..http://en.wikipedia.org/wiki/Secured_loan
wikipedia..http://en.wikipedia.org/wiki/Secured_loan
Posted by:thakur
- 04 May, 2012
5:
It gives information in a pleasant way but this applies to only rich people who have all connections to delay loan payment but for small people are left in darkness.
Dr.A.Jagadeesh Nellore(AP),India
Dr.A.Jagadeesh Nellore(AP),India
Posted by:Anumakonda
- 04 May, 2012
6:
Article looks good but who has the time to help such people?
Posted by:Richa
- 03 May, 2012
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