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Q. SERFESAI

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Anonymous

posted 5 months ago

Q.SERFESAI
I had taken housing loan from bank in the name of my &wife.my housing loan account is running regular till date.I also enjoying personal loan overdraft facility from same bank.now bank refused to renew account so account showing NPA Now bank issued me 13(2)under SERFESAI.but my housing loan account is regular and we have mortgage our property for housing loan only now bank clubbed my all loan accounts and send notice .can bank do this?

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Kishan Dutt Kalaskar Retired Judge

Experience: 33 Year(s)

Responded 5 months ago

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A. ) Dear Sir,
You may approach DRT (Debt Relief Tribunal) and get stay of the said notice if not in High Court.

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Rameshwar Dadhe

Experience: 3 Year(s)

Responded 5 months ago

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A. ) U should ask about to the bank authority . Then go ahead

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Shreyash Mohta

Experience: 1 Year(s)

Responded 5 months ago

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A. ) Get that legal notice read over by a lawyer and engage a lawyer who shall reply to that legal notice and counter the same. You can also engage me for the same through Vidhikarya and I shall help you.
Thanks.

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Suneel Moudgil

Experience: 15 Year(s)

Responded 5 months ago

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A. ) means you are at default in a loan account other than housing loan,
yes, the bank can club all loans

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Srinivas B

Experience: 2 Year(s)

Responded 5 months ago

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A. ) Pls contact me with all documents and statements available with you. I can help you in this matter. This is fraud and cheating from Bank side, so we need to proceed legally.

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