1ºBhai maine dhani se loan liya tha 21000 ka maine time to time EMI pay ki but in lockdown job nahi tha or wife ki delivery bhi thi financial condition kharab hone ki wazah se EMI bounce hua to ye logo ne bahut jyada penalty charge kiya maine kaha job nahi hai lockdown hai or government ne moradum bhi diya hai penalty kyu laga rahe ho maine 1seal tak payment nahi kiya fir dusra job milne ke bad Maine time par EMI pay karna suru kiya ek din recovery Agent ka call aya usne kaha agar aap one time me hi 14000 pay karte ho to apka loan clear ho jayega maine kaha tumhare kisi superior se bat karao usne apne manager se bat karai usne bhi same wahi bat boli or NOC bhi dene ki bat ki or maine dhani app se pay kar diya lekin aaj tak nahi NOC mila na hi koi settlement letter mere pass uski call recording hai mai dhani ke office bhi gya waha bolte hai ki tumko baki ka payment karna hi padega warana or charges lagega ab mai kya karu any suggestions