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Keep EMI payments because the add-on is disputed

Unless the lender gives different written instructions or a competent authority orders otherwise, keep repayment separate from the add-on dispute.

Start here

Unless the lender gives different written instructions or a competent authority orders otherwise, keep repayment separate from the add-on dispute. Missing EMIs can create a new delinquency problem.

What applies to this exact problem

Unless the lender gives different written instructions or a competent authority orders otherwise, keep repayment separate from the add-on dispute. Missing EMIs can create a new delinquency problem.

After any refund, verify the money path. If the premium had been financed, confirm whether the refund reduced outstanding principal, changed the schedule or was sent elsewhere. Ask for an updated ledger.

Check these first

  • After any refund, verify the money path.
  • If the premium had been financed, confirm whether the refund reduced outstanding principal, changed the schedule or was sent elsewhere.
  • Ask for an updated ledger.

Fix it in this order

  1. After any refund, verify the money path.
  2. If the premium had been financed, confirm whether the refund reduced outstanding principal, changed the schedule or was sent elsewhere.
  3. Ask for an updated ledger.

Evidence to keep

  • Loan agreement/key fact statement — keep it with the evidence for “Keep EMI payments because the add-on is disputed”.
  • Ledger and payment receipts — keep it with the evidence for “Keep EMI payments because the add-on is disputed”.
  • NOC/closure letter when relevant — keep it with the evidence for “Keep EMI payments because the add-on is disputed”.
  • Complaint and recovery-agent evidence where relevant — keep it with the evidence for “Keep EMI payments because the add-on is disputed”.

Do not make it harder

  • Paying an unverified recovery caller For “Keep EMI payments because the add-on is disputed”, that can hide whether the underlying issue is actually resolved.
  • Sharing OTPs or credentials For “Keep EMI payments because the add-on is disputed”, that can hide whether the underlying issue is actually resolved.
  • Assuming account closure automatically updates every bureau immediately For “Keep EMI payments because the add-on is disputed”, that can hide whether the underlying issue is actually resolved.

How you know it is fixed

  • The correct ledger shows the money in the right place with the right value date for “Keep EMI payments because the add-on is disputed”.
  • Any duplicate charge, interest, fee, mandate, or outstanding created by the incident is also corrected for “Keep EMI payments because the add-on is disputed”.

If this still isn't resolved

  1. Lender grievance officer State the unresolved issue explicitly: “Keep EMI payments because the add-on is disputed”.
  2. RBI CMS for eligible unresolved regulated-entity complaints State the unresolved issue explicitly: “Keep EMI payments because the add-on is disputed”.
  3. Police/cybercrime route for fraud, impersonation, or immediate threats State the unresolved issue explicitly: “Keep EMI payments because the add-on is disputed”.

Parent-guide references

These references support the parent guide and escalation context. Verify provider-, model-, policy-, or jurisdiction-specific details before an irreversible step.

Need the complete context?

This page solves one branch. The parent guide covers the full decision, edge cases, alternatives, and related checks.

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