Agar bank ke recovery agents ya unke calls aapko pareshan kar rahe hain, toh chup baithne ki jagah sahi tarike se bank ke samne apna paksh rakhna zaroori hai. Bahut se log dar ke maare bank se baat karna band kar dete hain, jabki sahi tarika hai unke sath table par baith kar baat karna.
Aaiye samajhte hain ki aap apne financial crisis ke dauran bank se baat kaise shuru kar sakte hain aur ek sahi loan settlement par kaise pahunch sakte hain.
1. Pehla Kadam: Bank Ko Apni Real Problem Batayein
Jab aapki EMI bounce hone lagti hai, toh bank aapko defaulter ki tarah dekhne lagta hai. Is image ko badalne ke liye aapko khud bank ke paas jana hoga.
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Written Communication: Sabse pehle apne home branch ke Branch Manager ko ek formal email ya letter likhein.
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Reason Document Karein: Agar aapki job chali gayi hai, business me nuksan hua hai, ya koi medical emergency aayi hai, toh uske saza-saboot (documents) bank ke sath share karein.
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Genwun Intent Dikhayein: Bank ko ye lagna chahiye ki aapka irada paisa marne ka nahi hai, balki aap sach me kisi takleef me hain.
2. Direct Settlement Ki Maang Kab Aur Kaise Karein?
Yaad rakhein, bank pehli hi baar me settlement ke liye raazi nahi hota. Unka pehla maqsad pura paisa wasoolna hota hai. Isliye bank negotiation ka ek sahi waqt hota hai.
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NPA Account: Jab aap lagatar 90 dino tak koi payment nahi karte, toh bank aapke loan ko NPA (Non-Performing Asset) ghoshit kar deta hai. Iske baad bank ko lagta hai ki ye paisa doob sakta hai, aur tab wo settlement ke liye zyada tayyar hote hain.
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One-Time Settlement (OTS): Aap bank ke samne OTS ka option rakhein. Isme aapko poori bachi hui rashi ki jagah sirf ek hissa (jo principal amount ke aas-pass ho) ek sath jama karna hota hai.
3. Negotiation Ke Dauran In Baaton Ka Dhyan Rakhein
Bank ke sath meeting karte waqt aapko thoda mazboot aur samajhdar banna padega. Negotiation ke dauran ye baten aapke kaam aayengi:
Emotional Mat Baniye: Bank ke officers aapse professional baat karenge, isliye aap bhi bina dare aur bina emotional huye sirf facts aur apne budget par baat karein.
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Apna Budget Fix Karein: Baat shuru karne se pehle ye tay kar lein ki aap maximum kitna paisa de sakte hain. Agar aapka loan 5 lakh ka hai, toh aap unhe 1.5 ya 2 lakh se offer shuru kar sakte hain.
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Waiver Ki Demand Karein: Bank se kahein ki wo aapki late fees, penal interest aur baki ke extra charges ko poori tarah maaf (waive off) kar dein.
4. Harassment Ke Khilaf Awaaz Uthayein
Agar negotiation ke dauran ya usse pehle bank ke recovery agents aapko ya aapke pariwar ko pareshan kar rahe hain, toh aapke paas pure legal rights hain. RBI ke guidelines ke mutabik koi bhi agent aapko subah 8 baje se pehle aur shaam 7 baje ke baad call nahi kar sakta, na hi aapke ghar aakar badtameezi kar sakta hai.
Agar aisa hota hai, toh unki recording karein aur unhe batayein ki aap iski shikayat RBI Ombudsman aur police me karenge. Jab bank ko lagega ki aap apne rights jante hain, toh unka ravaiya negotiation ke waqt badal jayega.
5. Settlement Se Pehle Ka Sabse Important Rule
Jab bank aapse kisi ek amount par raazi ho jaye, toh kabhi bhi oral (zubani) baat par bharosa karke paisa jama mat karein.
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Settlement Letter Maangein: Bank se kahein ki wo aapko official letterhead par ‘Settlement Letter’ issue karein, jisme likha ho ki itna paisa lene ke baad aapka loan close mana jayega.
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No Dues Certificate (NDC): Paisa jama karne ke baad bank se NDC ya No Objection Certificate (NOC) zaroori lein.
Final Word
Loan settlement karne se aapka CIBIL score zaroori kam hota hai, lekin agar aap har din ki mansik pareshani aur daldal se nikalna chahte hain, toh ye ek behtar rasta hai. Darne ki jagah bank ke samne paper par apni baat rakhein aur is mushkil daur se bahar niklein.
