For the 60 days demnand notice, if the borrower/guarantor serves a reply with allegations/contentions, whether the same is to be replied before initiating any further action?

The reply sholld be evaluated properly. If the contents of the reply are not likely to vitiate the further actions, there is no need to send a separate reply. In the notice to take possession a sentence may be added to the effect "instead of repaying the demand made in our notice dt..........you chose to send a reply with untrue allegations and untenable contentions."

By way of abundant precaution, it is always advisable to reply relevant/very partinent points of reply received fromn the NPA borrower or his Advocate, immedikately. However further actions under the Act/must continue in the normal course. 44.

Whether demand notice is to be re-issued if the borrower commits default after paying some money/instalments. The borrower is expected to pay the demand in full on receipt of the notice within 60 days. If the borrower pays in piece meal, the same can be accepted but with a clear notification to the borrower that the same is received without prejudice to the rioghts of the rights ... more.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.