Hi All, I am a new member to this forum and to this website. Just need a little help from the legal experts. "I had bought an LED TV from a finance company in Oct 2012 and due to an inadvertence and some error at the end of the finance company they forgot about the loan for almost 10 months and disbursed the loan after around 10 months from the time I bought the product last Year,, I had signed the ECS mandate forms and as per a call I got from that company today they have also lost the ECS forms and asked me to pay them the money with some other mode of payment. " MY SITUATION IS that I just recently lost my job due to family circumstances and don't have the money to repay the debit. I JUST WANT TO KNOW IF THAT COMPANY THAT FINANCED MY LOAN CAN PURSUE SOME CRIMINAL CASE LIKE FRAUD UNDER SECTION 420 IPC OR BREACH OF TRUST ETC. I am ready to return them the product back but the employees there are so incompieent that I don't get a straight answer from them ever,
