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Unauthorized Loan Charges Notice
Summary
If a bank imposes unauthorized charges or alters a loan repayment schedule without consent, it may breach the loan agreement. If the loan is cleared, you can request a refund of extra charges. A legal notice can be sent to the bank demanding resolution within 15 days, failing which legal action may be pursued for breach of contract and compensation.Full Conversation
this letter is sent by lawyer
Sure! Here's a revised legal notice format suitable for a lawyer:
---
[Lawyer's Name]
[Lawyer's Address]
[City, State, Postal Code]
[Email Address]
[Phone Number]
Date: [Insert Date]
To,
The Branch Manager
ABC Bank
[Bank's Address]
[City, State, Postal Code]
Subject: Legal Notice Regarding Unauthorized Charges and Modification of Repayment Schedule on Behalf of [Client's Name]
Dear Sir/Madam,
I, [Lawyer's Name], representing my client [Client's Name], who holds a car loan account with your bank (Account No: [Client's Account Number]), am writing to formally address the following grievances:
*. Unauthorized Extra Charges: My client has been charged extra amounts on their car loan which were not disclosed or agreed upon in the original loan agreement.
*. Uninformed Changes to Repayment Schedule: The repayment schedule of my client’s loan has been altered without any prior notification or consent from my client.
These actions are in clear violation of the terms agreed upon at the time of the loan agreement and have caused my client considerable inconvenience and financial strain.
I hereby request on behalf of my client that you:
- Revert the extra charges applied to my client’s account.
- Restore the original repayment schedule as per the initial agreement.
Kindly address these issues within 15 days of receiving this notice, failing which my client will be compelled to take legal action against your bank for breach of contract and seek necessary compensation.
Yours sincerely,
[Lawyer's Signature]
[Lawyer's Printed Name]
---
Feel free to customize it further based on the specifics of your case.
---
[Lawyer's Name]
[Lawyer's Address]
[City, State, Postal Code]
[Email Address]
[Phone Number]
Date: [Insert Date]
To,
The Branch Manager
ABC Bank
[Bank's Address]
[City, State, Postal Code]
Subject: Legal Notice Regarding Unauthorized Charges and Modification of Repayment Schedule on Behalf of [Client's Name]
Dear Sir/Madam,
I, [Lawyer's Name], representing my client [Client's Name], who holds a car loan account with your bank (Account No: [Client's Account Number]), am writing to formally address the following grievances:
*. Unauthorized Extra Charges: My client has been charged extra amounts on their car loan which were not disclosed or agreed upon in the original loan agreement.
*. Uninformed Changes to Repayment Schedule: The repayment schedule of my client’s loan has been altered without any prior notification or consent from my client.
These actions are in clear violation of the terms agreed upon at the time of the loan agreement and have caused my client considerable inconvenience and financial strain.
I hereby request on behalf of my client that you:
- Revert the extra charges applied to my client’s account.
- Restore the original repayment schedule as per the initial agreement.
Kindly address these issues within 15 days of receiving this notice, failing which my client will be compelled to take legal action against your bank for breach of contract and seek necessary compensation.
Yours sincerely,
[Lawyer's Signature]
[Lawyer's Printed Name]
---
Feel free to customize it further based on the specifics of your case.
the total payment already had been paid and loan is cleared.
Got it! If the loan is already cleared, you might want to adjust the notice to reflect this. Here's a revised format:
---
[Lawyer's Name]
[Lawyer's Address]
[City, State, Postal Code]
[Email Address]
[Phone Number]
Date: [Insert Date]
To,
The Branch Manager
ABC Bank
[Bank's Address]
[City, State, Postal Code]
Subject: Legal Notice Regarding Unauthorized Charges on Cleared Car Loan
Dear Sir/Madam,
I, [Lawyer's Name], representing my client [Client's Name], am writing to address the following grievances regarding their cleared car loan (Account No: [Client's Account Number]):
*. Unauthorized Extra Charges: My client has been charged extra amounts on their car loan which were not disclosed or agreed upon in the original loan agreement.
These actions have caused my client considerable inconvenience and financial strain despite the loan being fully paid.
I hereby request on behalf of my client that you:
- Refund the extra charges applied to my client’s account.
Kindly address these issues within 15 days of receiving this notice, failing which my client will be compelled to take legal action against your bank for breach of contract and seek necessary compensation.
Yours sincerely,
[Lawyer's Signature]
[Lawyer's Printed Name]
---
Feel free to further adjust it as needed.
---
[Lawyer's Name]
[Lawyer's Address]
[City, State, Postal Code]
[Email Address]
[Phone Number]
Date: [Insert Date]
To,
The Branch Manager
ABC Bank
[Bank's Address]
[City, State, Postal Code]
Subject: Legal Notice Regarding Unauthorized Charges on Cleared Car Loan
Dear Sir/Madam,
I, [Lawyer's Name], representing my client [Client's Name], am writing to address the following grievances regarding their cleared car loan (Account No: [Client's Account Number]):
*. Unauthorized Extra Charges: My client has been charged extra amounts on their car loan which were not disclosed or agreed upon in the original loan agreement.
These actions have caused my client considerable inconvenience and financial strain despite the loan being fully paid.
I hereby request on behalf of my client that you:
- Refund the extra charges applied to my client’s account.
Kindly address these issues within 15 days of receiving this notice, failing which my client will be compelled to take legal action against your bank for breach of contract and seek necessary compensation.
Yours sincerely,
[Lawyer's Signature]
[Lawyer's Printed Name]
---
Feel free to further adjust it as needed.
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