I took personal loan from HDFC for my sister's marriage. It was really helpful and I have been paying the EMIs' regularly. Though there were bounces some times, they were are repayed in next months.

The tenure was from sept 2006 to aug 2010. And in May 2010, one agent called me telling there was one EMI pending that of nov 2008. I had asked them to provide me the proof through the statement. They sent the statement from yahoo mail address. The statement seemed correct, but i could not trust the agent as he did not send it from official hdfc mail id. I insisted to send the same from HDFC mail id, but never received it. Like this at least a half a dozen agents called me in last one year. Last week, one agent managed to send the statement through hdfc offical id. now i realized, it was indeed missed and i am ready to pay.

They are charging me the interest for all the three years. Which i rejected to pay. I am only willing to pay the EMI that i missed, but no extra late fee.

Can someone suggest, this is justifiable? if so, i will fight, other wise i dont mind paying 3000 rupees more and get rid of these unfair folks.

Thanks for reading this and providing your inputs.

Regards,
Sreedhar