I am trying to settle my personal loan. I have 2 loans of Rs.200000/ with ICICI- and Rs.100000/- with HDFC. I have been a regular payor as the amount went from my salary bank account. I am facing some job related issues due to health and need to be on sabbatical. For this purpose I have been trying to settle the loans but neither ICICI are ready to settle it.

I have spoken to Tanisha Chandra - supposedly the loan manager and I told her I have been told that my outstanding is Rs.40,000 and I can that right now. She told me to disconnect the call and said she didn't want to speak to me.

I have been trying to settle for ICICI bank and have visited their home loan department twice. However, no one seems to want to help me. I am in financial stress and I have asked them to settle with a lower amount. They won't say anything except to keep on paying the EMI. And refuse to give me my statement.

When I took the loan, they came down to my house and took all details, when I am trying to pay off, they call me, as I am out of town, can't do that right now.

With Financial crisis - is it not possible to pay a lower amount. I have been told (no written document shown) that I need to pay Rs.160000/- to ICICI and I said I can pay Rs.140000/- right now. As far as HDFC is concerned they give me a new figure everytime and I don't know what's my outstanding.

The interest rate that I am paying isn't what was told to me at the time of taking the loan.

Can you pass me the number of loan manager i can settle it for u no strings attached

I am specialist in Credit Card disputes and settlement , have resolved more than 1269 cases .Credit card debth will be taken care and highest waiver possible .
Any personal loan issues also do not hesitate to contact me.
You should know your right ,Collection Agents are not supposed to Harass or annoy the defaulters however chronic the default be.

Please contact me for immediate resolution for this issue at banklegalexpert@gmail.com

Regards
Akshay
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