Recovery of Over Dues. When there is a delay in repayments, the customers would be contacted for repayments of overdue and Aptus follows the general collection principles when interacting with overdue customers: • APTUS’s representatives will contact customers between 08:00 hrs and 19:00 hrs, unless the special circumstances of the customer’s business or occupation require otherwise. • All assistance will be given to resolve disputes or differences regarding dues in a mutually acceptable and in an orderly manner. • Aptus would be sensitive to occasions such as bereavement in the family or such other calamitous occasions when making visits to collect dues.
Recovery of Over Dues. When there is a delay in repayments, the customers would be contacted for repayments of overdue and Aptus follows the general collection principles when interacting with overdue customers: • Customers are encouraged to visit Aptus branches and make the repayment when the regular EMI is missed/bounced. • Aptus collections are handled by its own staff. No agency is appointed to do the collections. For all collections by UPI / Net banking /Debit card/ DD/ Cheque/ Cash, the receipts will be issued immediately and customers can also pay their dues outstanding via Online Mode (Net banking /Digital payments) • Identity and authority to represent Aptus will be made known to the customer at the first instance. • Customer’s privacy will be respected. • Interaction with the customer will be in a civil manner. • Aptus’ representatives will contact customers between 08:00 hrs and 19:00 hrs, unless the circumstances require otherwise. • All assistance will be given to resolve disputes or differences regarding dues in a mutuallyacceptable and in an orderly manner. • Aptus would be sensitive to occasions such as bereavement in the family or suchother calamitous occasions when making visits to collect dues.
Recovery of Over Dues a. When there is a delay in repayments, the customers would be contacted for repayments of overdue and NHFL follows the normal recovery principles when interacting with overdue customers:
b. Telephone/Personal Contacts, Persuasion and follow up for recovery of instalments and interest due
c. Enforcement of securities as per the provisions of SARFAESI Act Recovery through other legal methods
a. Customers are encouraged to visit NHFL branches and make the repayment when the regular EMI is missed /bounced.
b. Recovery work will be handled by NHFL’s own staff. For all collections by cash, immediate cash receipts would be issued.
c. Identity and authority to represent NHFL will be made known to the customer at the first instance.
d. Customer’s privacy will be respected.
e. Interaction with the customer will be in a civil manner.
f. NHFL Staff will contact customers between 08:00 hrs and 19:00 hrs, unless the special circumstances of the customer’s business or occupation require otherwise.
g. All assistance will be given to resolve disputes or differences regarding dues in a mutually acceptable and in an orderly manner.
