It is not only borrowers who violate laws at time – lenders have also been known to violating the law by indulging into nefarious activities – or even mistakenly. In such an event when you have been subjected to a violation of this sort, the best way to sort it out is by writing a complaint letter to them. If you do not receive a positive response, you may consider involving external arbitrary agencies, but the first thing that you need to do is to involve the organization’s own personnel.
Your complaint letter should be polite and formal. While you may be accusing them for being unfair to you (rightly so), you need to keep your peace with them, as you owe them money. Any kind of provocation might land you in trouble. Make a complaint by all means but do not accuse outright. Suggest that a mistake may have been made that ended up in them violating a law, which inadvertently harmed you, or has the capacity to harm you.
Writing a complaint letter means that your relationship with the organization may change forever. Be prepared for that. If the organization realizes its mistake, it may work well for your case, as they will be nicer to you from then on. To see how you can do this, refer to the complaint letter sample provided here:
445 Brick Road
Richmond Hill, GA 10388
Tel (000) 475-7454
October 8, 2016
Mr. Craig Sean
Private Personal Loans
700 Golden Rod Road
Richmond Hill, GA 14347
Dear Mr. Sean:
This is with reference to my personal loan number PPL4948233-TL, titled Tracy Loft, which I had obtained from your organization on January 15, 2015.
Before I go any further, please refer to some of the facts associated with this agreement:
• The loan was acquired from Private Personal Loans for a period of 48 months, to be paid on the 15th day of each month, in equal installments.
• The loan agreement (copy enclosed and term highlighted in yellow) charts out that the Private Personal Loans will only contact the borrower in case the payment does not reach them until the 15th day of each month, and not before.
• It is also stated in the loan agreement (term highlighted in green) that in case the borrower defaults, the organization will provide an easy payment plan to the former.
On October 6, 2016, I received a letter from your organization (copy enclosed) stating that my name and contact information is being added to the defaulters’ list, and “strict action will be taken” against me unless I make a full amount payment within 30 days of the receipt of this notice. Since I have been diligently making my payments for 22 months, and still have 26 months to clear this debt, I do not think that this letter should have been sent to me. Your organization is violating the law by sending me threatening messages, even though I have been right on time with all my previous payments.
Please consider this as a formal complaint against the person who has been insensitive and unprofessional enough to send me this letter. I suggest that you begin an inquiry into why this was sent to me, and ensure that this is not repeated.
Thank you for your time.