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i have bought an indica car on loan from tata motors finance, via concorde motors bangalore, in 2005 against giving 59 cheques as my emi payments. but unfortunate one cheque bounced in 2006 jan and one cheque not at all presented to bank for recovery i.e on 2006 may. and this was came to my notice in may 2008 and i have enqured and according to the company offical guidance i ramitted the 2006 jan emi with other charges debited on behalf of that installment and may 2006 emi also. and i refused to pay the charges on the not presented cheque and i request them to wave off the charges on that emi. by that time the official guided me that they will wave off at the end. but now at the end they are telling me that myself has not given cheque to their official during the time deleivery of the vehicle. still now they are charging like retaining charges every month. and they are asking proof for cheque i have given them. i have given them all series of cheques. they have misplaced that particular cheque and making me guilty. please guide in a correct way to face them. and i hope i find from you, thank you.


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