I worked for an FMCG for more than two years and resigned due to family problems in March. I took a loan from the company, which I repaid somewhat late in July. However, I have not yet received a relieving and experience letter. They replied to me, saying it takes some time. I also received a bonus letter and was asked to fill it in and send it to the company, which I did 20 days ago. But, until now, they have not relieved me. I even handed over my territory to a new candidate before I left. What might be the reason for the delayed issuance of the relieving letter?