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Negotiating The Best Deal On Instant Loans For Bad Credit

In the current fast-paced environment,  negotiating the best deal on instant loans for bad credit seems challenging. Unforeseen financial crises may occur unexpectedly and obtaining a loan can feel like an overwhelming obstacle with a poor credit score. Nevertheless, there is a positive aspect in the availability of instant loans designed for individuals with bad […]

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Vibhu Bhakru v Standard Chartered Bank

Facts of the case: The complainant, Vibhu Bhakru, had taken a credit card from the Opposite Party, Standard Chartered Bank in 1999 and had been very regular and prompt at payments. On 24.02.2004 an invoice was sent to the complainant demanding payment of Rs.750/- charged on account of renewal. The complainant requested redemption on the […]

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How to pay your EMIs in difficult times

In these uncertain times, when the world is grappling with the pandemic, people are also falling into debt trap, unable to pay their EMIs. Here are some options to repay EMIs during difficult times: Create and Maintain Emergency Fund The future is always uncertain but it can be at minimal risk with an emergency fund. […]

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How to Deal With The Loan Recovery Process 

With about 21 million people losing their jobs due to the pandemic, according to the Centre for Monitoring Indian Economy, Banks and NBFCs have gone into a collection overdrive resulting in recovery agencies calling double the borrowers than pre-Covid-19. The recovery process usually involves negotiating certain conditions of the loan agreement to help the borrower […]

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Case Study: Cholamandalam Investments v Suresh Kumar

Facts of the case: Complainant, Suresh Kumar, had taken loans of Rs.8,50,000/- and Rs.4,85,000/- from the Opposite Party for purchasing trucks to earn a livelihood through self-employment. Despite regular payments of the monthly installments, the complainant claimed that the opposite party had employed hooligans for forcible repossession of the truck that was delivering perishable goods. […]

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Credit Score – How It Makes Your Credit Soar Or Sore

Credit score is a numerical value about an individual’s creditworthiness. This score helps lenders decide how likely a person will repay his/her loans in time. It plays a major role in determining a person’s eligibility for financial assistance in the form of loans. Therefore it is very important to pay one’s bills on time. Deferred […]

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