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Respected sir i took a consumer loan (tata capital) purchased a TV on 08/10/2013 advance 4 EMI's (intially i paid) 22224/-rs loan amount rs 100000 - rs 22224 = 77776 rupees rs 77776 - rs 1000 processing charges Net Disbursement amount is rs 76776 only, repayment is in 14 installments (each 5556/-rs) i paid 7 EMI's ( 7 x 5556/-rs= 38892/-rs) + 4 advace EMI's 22224/-rs = 61116 from (08/10/13 paid 22224 rs + 28/11/13 paid 5556 rs + 18/01/2014 paid 5558 rs + 25/02/14 paid 5556 rs + 30/08/2014 paid 5556/-rs + 16/10/14 paid 5556 rs + 13/1/2015 paid 5556/-rs + 30/06/15 paid 2000 rs + 26/08/15 paid 3000/-rs + 28/10/2015 paid 3000/-rs) all 14 installments cheques are bounced, they deducted 16 cheque bounced charges 7200/-rs (14 x 450/-) in november 2015 i met with an accident recovered health in december 2016 again i met with an accident i am recovering health i went to tata capital office on 13/01/2017 and i requested some time to the officer to repay the remaining 7 installments But today night i got a call and threatining me, the tata capital officials want to come to my house sir now what shall i do thanking you venkat