"I took a ₹5L loan for a dream wedding that got cancelled. The emotional toll was bad, but the bank's aggression was worse. AMA handled the legal side with such empathy, settling it for just ₹2.4L and giving me peace."
Sneha, a 28-year-old Marketing Executive in Pune, had everything planned for her big day. Like many young professionals, she wanted her wedding to be perfect. Confident in her career trajectory, she took a personal loan of ₹5 Lakhs to cover the venue and catering advance, expecting to pay it off comfortably with her fiancé after the wedding.
But life is unpredictable. Two months before the date, the wedding was called off due to unforeseen personal differences. The emotional devastation was immense, but the financial fallout was immediate. Most of the vendor advances were non-refundable. Sneha was left with a broken relationship, a cancelled event, and a ₹5 Lakh debt for a celebration that never happened.
Depressed and struggling to focus at work, Sneha missed three EMI payments. The bank's response was devoid of any empathy. Recovery agents began calling her 15 times a day, often screaming at her for being 'irresponsible.'
The harassment took a misogynistic and personal turn. They unlawfully accessed her contact list and started calling her elderly parents. 'They called my father and told him to sell his house to pay for my 'mistakes',' Sneha recalls tearfully. 'They even threatened to come to my office and create a scene. I was already emotionally fragile; this attack on my family and career pushed me to the brink.'
A friend recommended AMA Legal Solutions. From the first consultation, Sneha felt a difference. The legal team didn't judge her for the default; they validated her distress. They immediately understood that the bank's aggressive tactics were not just annoying but illegal under consumer protection laws.
AMA issued a strong legal notice to the bank, specifically flagging the abusive language and threats used by the recovery agents. They demanded the call recordings be preserved as evidence. Facing a tangible legal threat regarding harassment of a female borrower, the bank immediately proactively replaced the recovery agency and assigned a dedicated, polite settlement officer to the case.
AMA's financial team approached the settlement with a 'Compassionate Grounds' plea. They presented proof of the non-refundable wedding expenses and Sneha's current mental health treatment records. They argued that the default was not willful but circumstantial, triggered by a significant life trauma.
They made it clear to the bank: You can either continue harassment and face a consumer court case for mental agony, or you can agree to a fair settlement that allows the borrower to close this painful chapter. The bank chose the latter.
The loan was settled for ₹2.4 Lakhs—less than half of the original principal. The bank waived all interest and penalty charges. Sneha paid the amount using her savings and a small help from her parents.
AMA Legal Solutions ensured the closure was clean, with no lingering claims. 'The money saved was huge, but the real value was the shield they provided,' Sneha says. 'They stood between me and the bullies when I was too weak to fight. They didn't just settle a loan; they helped me move on.'
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