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Q. Pensioner loan without the knowledge of family

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Mani Murali

posted 5 months ago

Q.Pensioner loan without the knowledge of family
My father was a pensioner and he passed away recently. We received a notice from a bank to pay an outstanding loan for 3lakhs which was sanctioned in 2014 and was not paid from 2017 as per the letter. None of the legal family members are aware of this. We don't know how a loan can be sanctioned to a pensioner of 75 years without the family concern. Please advice ....

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Kishan Dutt Kalaskar Retired Judge

Experience: 33 Year(s)

Responded 4 months ago

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A. ) Dear Sir,
Usually such loans are insured as such you did not pay. Secondly such personal loans cannot be sanctioned and claim waive off. Thirdly the said amount not used for his legal heirs as such you are not bound to pay the same. Ask them to approach Civil Court then you engage advocate and take strong defence.

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Mani Murali

Replied 4 months ago

Thank you very much sir for your reply.

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Raghu Rajegowda

Experience: 5 Year(s)

Responded 4 months ago

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A. ) please go to the bank and verify loan documents

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Mani Murali

Replied 4 months ago

Thank you very much sir for your reply. If Bank is not showing the loan documents, can I access it through RTI?

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Suneel Moudgil

Experience: 15 Year(s)

Responded 5 months ago

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A. ) go and verify the matter from the bank regarding the loan,
the legal heirs of a deceased, who inherited/enjoyed the assets are also liable for the liabilities,

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Mani Murali

Replied 4 months ago

Thank you very much sir for your reply. I agree to your point, but in this case, none of the family members are aware and it seems a suspicious loan.

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Suneel Moudgil

Experience: 15 Year(s)

Replied 4 months ago

therefore, I suggested you go to the bank and verify

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Rameshwar Dadhe

Experience: 3 Year(s)

Responded 5 months ago

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A. ) Go to the concern bank and ask about it then only it will be clear

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Mani Murali

Replied 4 months ago

Thank you very much sir for your reply.

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Rameshwar Dadhe

Experience: 3 Year(s)

Replied 4 months ago

Welcome

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