Father received bogus legal notice from PNB MetLife India – need suggestions!

[User_108795fb]

U

User_108795fb
PARTICIPANT
February 1, 2025 at 4:13 pm

My father resigned from PNB MetLife India on March 17, 2022 with a proper discharge letter. Recently, he received a legal notice claiming excess payment of ₹1,400 without providing any proof or calculations. Also demanding 1100 as legal fees.

Here are the twists:

* Previous notices allegedly sent on Aug 30 & Sep 18, 2024 were NEVER RECEIVED by my father.

* Another person’s legal notice was sent to my father’s email address. So my father received two separate emails.

* Indian Limitation Act seems applicable – case closed?

we already responded to their lawyer on the same day denying claims and pointing out errors, they haven’t replied yet, already 5 days have went by and as per their legal notice they will put a case against us in Delhi High Court if we don’t settle the dispute within 7 days.

Please share your insights:

1. Is my father’s response sufficient?
2. Any advice on next steps?

Help us navigate this legal mess!

I was thinking of sending this draft as my second reply to the email thread.

Subject: Re: Legal Notice for Alleged Excess Payment
Dear [Lawyer Name],

Re: Legal Notice dated 27.01.2025 regarding alleged excess payment to me.

I received your notice claiming excess payment of Rs. 1,400 without furnishing requisite proofs, calculations, or basis of incentive recovery.

Notably, I had Left PNB MetLife with discharge letter on 17.03.2022, terminating all obligations.

My previous email dated 27.01.2025 requesting said documents was ignored, specifically seeking clarification on alleged previous notices dated 30.08.2024 and 18.09.2024, which I never received.

Furthermore, I was astonished to receive another individual’s legal notice at my email address, highlighting gross negligence in your service process.

In absence of proofs, acknowledgement of my resignation date, silence on previous notice receipt denial, and blatant service errors, I deem this matter closed under Indian Limitation Act.

Awaiting your confirmation.

Sincerely,

[Father Name]

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[User_8669a29c]

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User_8669a29c
PARTICIPANT
February 1, 2025 at 4:27 pm

Ignore it, they will not waste resources on chasing you down for ₹1400 NAL

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[User_108795fb]

U

User_108795fb
OP
February 1, 2025 at 4:29 pm

Thanks, we currently have the same stand, but would be better if we get a lawyer opinion

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[User_4fa79b90]

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User_4fa79b90
PARTICIPANT
February 1, 2025 at 6:12 pm

Lawyer here.

The response seems appropriate, and it’s unlikely they would proceed with legal action over an amount of 1,400. Requesting documentation was reasonable, as any claim should be supported by proper evidence.

Was the legal notice also sent by post? I’m also unsure how the matter is considered closed under the Limitation Act. They have three years to file for recovery of money, if they choose to. It might have been better to keep the reply factual without referencing legal provisions. In any case, I don’t think they will escalate the matter further.

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[User_108795fb]

U

User_108795fb
OP
February 1, 2025 at 6:14 pm

Should I remove the part of limitation act? And send a reply.

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[User_4fa79b90]

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User_4fa79b90
PARTICIPANT
February 1, 2025 at 6:20 pm

You should omit the last paragraph and simply reaffirm your willingness to resolve the dispute, provided they substantiate their claim with proper documentation. This would be a more appropriate response rather than unilaterally stating that the matter is closed.

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[User_108795fb]

U

User_108795fb
OP
February 1, 2025 at 6:21 pm

Thank you very much.

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