@virtual_law, thanks for your comments.
@9BL, "I wonder why do people miss repayments and its always intentional its never by chance",
do you really know me and how can you say that for sure???
@c123pk, very true.
@Proverbial_Slang, thankyou so much for understanding what I am going through,
"The financial condition of a person can fluctuate due to unavoidable circumstances and that is why there are cushions in these contracts",
this is actually what happens and I wanted to get an advice about what to do after, but I feel most of the guys here don't have an idea what I was talking about instead they are pretty pleased that this happens to me and that I deserved that without knowing me.
"Please be advised that these banks are not always working within the legal and ethical framework."
Very true, I hope that people understand this and stop being afraid of the bank, it is just like another consumer company that we deal with.
thanks man again, you clearly are an able person that understood what had happened and what it feels like and with a knowledge of banking system and their ways, I truly appreciate your kind words.
@MominHaq, it wouldn't have if most of the people actually stop saying that I deserved that and actually suggest me a solution.
@Sunny1983, thanks man, something I would look into most definitely on next working day.
@KamranAslam, thanks for the advice bro, but not sure if I can be able to cough up that much cash in such a short period,
@cracked, thanks for understanding what I'm going through
@tariqzaidi, thankyou so much for the kind words, totally agree with you, they can charge whatever they want and how much they want on their services and there is no law whatsoever to prevent them to do so.
@slshariq, I was talking about the same month when I didn't paid the installment, hence the two missing ones.
@NaXuN, who is backing away from the contract, instead getting both parties to negotiate a new one which is acceptable to all!!!