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Dear Sir,

When you settle a loan, it means you've paid a reduced amount compared to the full outstanding balance. Lenders report this to credit bureaus (like CIBIL in India) as "settled" rather than "paid in full" or "closed." This is a negative mark on your credit report and will significantly lower your credit score. The impact can be substantial, potentially dropping your score by 75-150 points or more.

Dear Sir,

you can legally demand a refund for the remaining unutilized period on a pro-rata basis. Since you stopped attending from mid-April 2025, and your 10-month course started on January 14, 2025, you attended approximately 3 months (January 14 to mid-April). You have a strong case for a refund for the remaining 7 months.

Dear Client,
Response to specific queries based on your text are as follows- 1) Can XYZ Company, with no Indian presence, file a civil suit directly in India against me for breach of contract? If so, what procedural requirements (Power of Attorney, jurisdiction, court fees, valid service, etc.) would they need to comply with, and how likely is it that a civil court in India would admit such a claim? Ans- Subject to terms of the contract clarifying the jurisdiction of the Court to try a dispute

Dear Client,
Under Section 12(1) of the D V Act, an aggrieved person or a Protection Officer or any other person on behalf of the aggrieved person may directly present an application to the Magistrate seeking one or more reliefs under this Act that include right to reside in a shared household, protection order and residence order provided that before passing any order on such application, the Magistrate shall take into consideration any domestic incident report received by him from the Protect

Dear Sir,

Ask Company X to Update Your Exit Date (Preferred)

If Company X is cooperative:

Request them to change your last working day to one day earlier in the EPFO employer portal.

This removes the overlap cleanly.

If both employers refuse to modify, you can:

File a grievance at: https://epfigms.gov.in

Explain your issue and upload supporting documents (relieving/joining letters).

Request EPFO to resolve or allow correction through a joint declaration.

Dear Client,

To legally convert from Hinduism to Islam in Navi Mumbai, you must first make a formal declaration of faith at a local mosque or Islamic center, following which you will receive a conversion certificate. You must then execute an affidavit on stamp paper declaring your change of religion and name, followed by publishing the change in two newspapers one in English and one in a regional language like Marathi.

After this, you must apply for a Gazette Notification of your name and r

Dear Client,
A dowry as defined under the Dowry Prohibition Act, 1961 and the Streedhan are distinctly different concept and governed differently. As per Section 6 of the Dowry Prohibition Act, any dowry received by anyone other than the woman in connection with her marriage must be transferred to her. This transfer should happen within three months of the marriage or the receipt of the dowry, or within three months after the woman turns eighteen if she received it as a minor. Until the dowry

Dear Client,

Since PCP Coaching in Jaipur only refunded half of your Rs. 20,000 fee, leaving you short by Rs. 10,000, your primary course of action should be to first formally re-approach the institute with all your documentation, including the admission form, both fee receipts, and a clear, polite letter outlining the misrepresentation regarding the batch start date and demanding the full remaining refund.

If this direct approach doesn't yield results, you should then consider filing a comp

Dear Client,

No, it is not legal. A builder cannot make structural or layout changes to a flat without the buyer’s written consent. Since you and your brother purchased two separate flats, There are two separate registered agreements, and no consent was given to remove any essential facility like a kitchen, the builder had no right to remove the kitchen from one flat, even if you were doing a “jodi flat” configuration.

The promoter shall not make any alterations or additions in the sanc

आप (GTA) को GST under RCM के अंतर्गत tax और interest का भुगतान नहीं करना होता। यदि आपको interest का नोटिस आया है तो यह misunderstanding या system mismatch के कारण हो सकता है। आपको विभाग को उचित reply देना चाहिए कि liability recipient की है