Loan fraud - processed loan without my conformation
9 months ago
They processed loan without my conformation i was just checking the info of how much i was eligible for and they just processed the loan and i even sent them a mail to cancel the application even before the loan was processed and they didnt even reply i have logged a complaint in cyber crime portal and i don't know what to do now i don't want to be a victim of this scam i just wanna die
A.Dear client,
Contact the Lender: Try to get in touch with the lender directly through phone or email to explain the situation and request them to cancel the loan application. Make sure to keep a record of all communications with the lender.
Dispute the Loan with the Bank: If the lender is unresponsive or unwilling to cooperate, contact your bank and explain the situation. They may be able to assist you in disputing the loan transaction and blocking any payments related to it.
File a Complaint with the Banking Ombudsman: In India, you can file a complaint with the Banking Ombudsman, an authority that handles complaints against banks. Visit the Reserve Bank of India (RBI) website to find the Banking Ombudsman for your region and file a complaint.
Inform Your Local Police: If you suspect that you are a victim of fraud or a scam, you should also file a complaint with your local police station. Provide them with all the details and evidence you have regarding the unauthorized loan processing.
Freeze Your Credit: To prevent further unauthorized loans or financial activities, consider freezing your credit with credit bureaus. This will restrict access to your credit report and make it more challenging for scammers to open new accounts in your name.
Seek Legal Advice: Consider consulting with a lawyer who specializes in consumer protection or financial fraud to understand your rights and explore legal remedies.
Support and Assistance: Reach out to friends, family, or a support network to share your concerns and seek emotional support during this difficult time.
Contact the Lender: Try to get in touch with the lender directly through phone or email to explain the situation and request them to cancel the loan application. Make sure to keep a record of all communications with the lender.
Dispute the Loan with the Bank: If the lender is unresponsive or unwilling to cooperate, contact your bank and explain the situation. They may be able to assist you in disputing the loan transaction and blocking any payments related to it.
File a Complaint with the Banking Ombudsman: In India, you can file a complaint with the Banking Ombudsman, an authority that handles complaints against banks. Visit the Reserve Bank of India (RBI) website to find the Banking Ombudsman for your region and file a complaint.
Inform Your Local Police: If you suspect that you are a victim of fraud or a scam, you should also file a complaint with your local police station. Provide them with all the details and evidence you have regarding the unauthorized loan processing.
Freeze Your Credit: To prevent further unauthorized loans or financial activities, consider freezing your credit with credit bureaus. This will restrict access to your credit report and make it more challenging for scammers to open new accounts in your name.
Seek Legal Advice: Consider consulting with a lawyer who specializes in consumer protection or financial fraud to understand your rights and explore legal remedies.
Support and Assistance: Reach out to friends, family, or a support network to share your concerns and seek emotional support during this difficult time.
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A.Dear client,
The validity of car parking allotments in a housing society may depend on various factors, including the terms of the agreement between the builder and the society, local laws, and regulations governing housing societies in your area. To determine the validity of the car parking allotments, you may need to consider the following steps:
Review Society Bylaws: Examine the bylaws or rules and regulations of the housing society to understand the provisions related to car parking allotments. The bylaws should specify how parking spaces are allocated, whether they are reserved for specific apartments or whether they are common areas available to all residents.
Verify Builder Agreement: If the builder had any agreement with the society regarding the distribution of car parking spaces, review the terms and conditions specified in that agreement. This may include details about the number of parking spaces, their allocation, and any fees or charges associated with them.
Check Local Laws: Research the local laws and regulations that govern housing societies in your area. Some regions may have specific laws regarding the allocation and usage of parking spaces in housing societies.
Approach Society Committee: If you believe there has been an unauthorized or improper distribution of car parking spaces, you can raise the issue with the society committee. Request that they investigate the matter and take appropriate action based on the society's bylaws and any applicable laws.
Legal Advice: If the issue remains unresolved and you believe there are significant irregularities or violations, consider seeking legal advice from a lawyer who specializes in real estate and housing society matters. They can help you understand your rights and options for addressing the issue.
General Body Meeting: If the society committee does not take appropriate action, you may consider raising the issue at a general body meeting of the society. Residents can collectively address concerns and decide on the best course of action.
The validity of car parking allotments in a housing society may depend on various factors, including the terms of the agreement between the builder and the society, local laws, and regulations governing housing societies in your area. To determine the validity of the car parking allotments, you may need to consider the following steps:
Review Society Bylaws: Examine the bylaws or rules and regulations of the housing society to understand the provisions related to car parking allotments. The bylaws should specify how parking spaces are allocated, whether they are reserved for specific apartments or whether they are common areas available to all residents.
Verify Builder Agreement: If the builder had any agreement with the society regarding the distribution of car parking spaces, review the terms and conditions specified in that agreement. This may include details about the number of parking spaces, their allocation, and any fees or charges associated with them.
Check Local Laws: Research the local laws and regulations that govern housing societies in your area. Some regions may have specific laws regarding the allocation and usage of parking spaces in housing societies.
Approach Society Committee: If you believe there has been an unauthorized or improper distribution of car parking spaces, you can raise the issue with the society committee. Request that they investigate the matter and take appropriate action based on the society's bylaws and any applicable laws.
Legal Advice: If the issue remains unresolved and you believe there are significant irregularities or violations, consider seeking legal advice from a lawyer who specializes in real estate and housing society matters. They can help you understand your rights and options for addressing the issue.
General Body Meeting: If the society committee does not take appropriate action, you may consider raising the issue at a general body meeting of the society. Residents can collectively address concerns and decide on the best course of action.
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