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Hello, My Credit score is 469 as I have defaulted few of my PL emis for the last 4-5 months due to unforeseen financial crisis. I have tried to negotiate with banks for a holiday period until end of this year but in vain. I do have an asset upcoming possession and am looking for top up on HL to clear all my PL and just have one place to pay emis with secured asset. Could you please advise as banks are not entertaining my request and every time I call are asking to pay at least one emi to avoid my PL to go to NPA. Please advise.
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Sucheta Dalal Trustee - Moneylife Foundation

Suresh Prabhu Mr Prabhu retired as Senior Vice President from HDFC Bank

R Bhuvaneswari After serving Bank of Baroda for almost 40 years, Ms Bhuvaneshwari retired as Chief Manager in 2013.

Yogesh Sapkale Yogesh Sapkale is Deputy Editor of Moneylife and writes on finance, credit related issues

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