Security Interest (Enforcement) Rules, 2002, Rule 3A  - Rules  framed under the Act  elaborate on the manner in which the representation of the borrower is required to be dealt with  - Rule 3A requires the authorized officer who is an officer specified by the Board of Directors of the secured creditor to consider the representation and modify the notice of demand if satisfied of the need to do so in that regard -  If the authorized officer comes to the conclusion that such representation or objection is not tenable or acceptable, he must communicate the reasons for non-acceptance of the representation or objection within fifteen days - Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (54 of 2002), Section 13(3A).  (S.C.). (2018-2) PUNJAB LAW REPORTER