Q&A: I am not able to pay bank loan emi as agreement and i want reduce emi amount .How can i able to my emi amount?
Question by : I am not able to pay bank loan emi as agreement and i want reduce emi amount .How can i able to my emi amount?
I had personal loan from hdfc bank.Now i was jobless and i can’t pay ageed emi monthly so i want to emi amount.I have informed the same to bank authorities.But they are accepting.I am not in a position to pay the same emi.So it is possible to reduce emi amount.Please help me.
Regards.
Best answer:
Answer by 71cooldude
They should be agreeable to a reduced monthly repayment as at least they are receiving something towards paying off the debt. If you have any problems, contact the Citizens Advice Bureau who will help you in negotiating with your bank.
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Can I notify the credit report agencies in advance of something I want to dispute showing on my report?
Question by Valentine_21477: Can I notify the credit report agencies in advance of something I want to dispute showing on my report?
I stopped payment on check for services not done and the person took it to a cash checking store and got it cashed anyways. My bank said I had the right to stop payment and it’s the check cashing store problem for cashing the check without verifying the check was still valid. The check cashing store said they were going to take me to small claims court for the money. People have been telling me they might also notify the credit reporting agencies. Can I notify the credit report agencies even though it’s not on my report yet? Do I need to notify all three? Thanks in advance!
Best answer:
Answer by OC1999
You can not dispute what is not on your report, so right now that would just be a waste of time. If it does show up on your report you then need to dispute it with the credit reporting agencies. However, it will probably come up as verified by the Check Cashing place. At that time you need to take them to court to have it removed.
Let the Check Cashing store take you to small claims court. They will loose, as your bank said it was their mistake for cashing the check. If they want their money back they need to go after the person who cashed the check.
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