Borrower shall be contacted ordinarily at the place of his choice and in the absence of any specified place at the place of his residence and if unavailable, at the place of his business / occupation.

Identity and authority to represent the Company will be made known the borrower at the first instance by the Company's representatives

The Company's representatives will contact the borrower between 0700 hrs and 1900 hrs, unless special circumstances of his business or occupation require otherwise.

Borrowers request to avoid calls at a particular time or at a particular place will be honored as far as possible and the time and number of calls and contents of conversation will be documented.

The Company's representatives will avoid making calls/visits to collect dues on inappropriate occasions such as bereavement in the family or such other calamitous occasions.

Privacy of the borrower will be respected and all interactions with him will be in a civil manner.

Although the Company and its officials shall professionally communicate with the borrower for all recovery matters and in case of failure of the borrower to attend to such recovery demands the Company has liberty to invoke the applicable laws including SARFAESI, Arbitration, Negotiable Instruments Act, IPC etc.