I’ve accidentally defaulted few emi’s on my CC and I have recieved legal notice on behalf of the lawyer they have third partied with?

[User_a6f70255]

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User_a6f70255
PARTICIPANT
January 14, 2025 at 1:07 pm

I’ve accidentally defaulted few emi’s on my CC and on my loan from the same bank which was a personal loan. However, the amount is merely under 10k.

Do you think there could be any serious consequences if I missed the date the legal notice has to me being in the location of the court and I didn’t?

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[User_fbdcf940]

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User_fbdcf940
PARTICIPANT
January 14, 2025 at 1:28 pm

A legal notice should be replied by you. You might wanna share the notice for further advice.

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[User_a6f70255]

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User_a6f70255
OP
January 14, 2025 at 1:39 pm

Can share you the link in the chats

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[User_fbdcf940]

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User_fbdcf940
PARTICIPANT
January 14, 2025 at 1:40 pm

Go ahead

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[User_e9136e50]

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User_e9136e50
PARTICIPANT
January 14, 2025 at 1:55 pm

One can accidentally default on one emi. How is it possible to be accidentally defaulting on multiple emis?

Once you default on first emi bank will start messaging, calling before taking the legal route

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[User_a6f70255]

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User_a6f70255
OP
January 14, 2025 at 1:58 pm

The amount is only somewhere 6k which is due out of total loan. And I was busy in some other work which got me delayed even more.

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[Primeowl5754]

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Primeowl5754
PARTICIPANT
January 14, 2025 at 3:04 pm

Hi exbanker and advocate here..are you in a position to pay and close, if so do it..else if you need to reply to the notice by using an advocates services

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[User_a6f70255]

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User_a6f70255
OP
January 14, 2025 at 3:31 pm

But the question is why would a big bank go for legal way just for an amount of 6k and it’s not like that I’m not paying on time. It’s just the last amount. Which was left.

But yeah I’ll anyway clear it away.

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