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Anonymous

Posted 1 day ago

So, as I understand, RBI law states that any soiled Note can be exchanged at any branch of any bank, free of cost, regardless of whether he/she is a customer in the bank. I approached two different banks to have my note exchanged but I was sent away. Infact one of the officials in one bank had so much ego issues when I showed him the article from economic times which stated this law.
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Anonymous

Posted 1 day ago

Is forex trading legal in India at present?
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Anonymous

Posted 2 weeks ago

Hello Sir , I am from chennai I borrowed amount of 300,000 for my Bachelors degree which i completed in the year 2010, Due to some personal reason and late employment with less salary i was not able to pay the EMI regularly and from the year 2014 to 2018 we dint get any notice or call from bank regarding the loan and i thought loan got waived off. Suddenly last year i got a call and letter from bank stating that i am having outstanding loan amount of 700,000(Principal & Interest) and My EMI is 10000 monthly , though i am not in a position to pay that amount monthly , I have managed to pay and i have payed nearly 100,000 till now from last year december, As my financial situation is getting worse i am unable to pay 10000 monthly and i asked my bank manager to waive my interest alone so that i will pay the full principal amount which i borrowed from bank but manager is not accepting . Please suggest me how to pay my principal amount alone and get cleared my lone .

A. Dear Sir,
You may search for circulars in respect of waiving of educational loans in some cases and also file a suit against bankers not to use coercive steps to recover the loan immediately.
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Anonymous

Posted 2 weeks ago

I am having clot in my heart and twice I have been operated now my heart pump count is 30% I am not sure how long I'll be living, I cant pay now my banking debts there are 2 personal loan which I cant pay if I pay to bank I cant pay to doctors for my further treatment, please can you advise wat should I do next . Will getting bankrupt helps me . Please advise.

A. If you have taken loan from the bank then it becomes your responsibility to repay the same.
Having that said, if your financial condition is poor you can opt for out of court settlement and also in other cases opt for bankruptcy.
If you opt for bankruptcy,
you shall need a lawyer who shall draft a petition under the insolvency and bankruptcy code and shall declare you as bankrupt.
Foor declaration of bankruptcy the following criteria needs to be fulfilled

1. You should not have any assets ...ReadMore
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Pravendra Atal

Posted 3 weeks ago

A company fraud me and take me so much amount.

A. Hello,
First issue Legal Notice against the company stating the facts and that they must pay you back your money and lodge a complain to police.
If they fail or doesn't agree to pay then file a money suit and case for fraud.
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Shreyash  Mohta
Shreyash Mohta Experience: 1 Year(s) Kolkata
Rameshwar  Dadhe
Rameshwar Dadhe Experience: 2 Year(s) Aurangabad
Sanjay Kumar Jha
Sanjay Kumar Jha Experience: 17 Year(s) Patna
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Karan Manivannan

Posted 4 weeks ago

Sir i applied a educational loan in 09.08.2019 for my MBA through vidyalakshmi portal online in SBI Bank orathanadu branch and i get a hard copy of application and collect require documents physically go to the bank but the bank manager reject my loan beacause of my mother is a coapplicant for me her cibil score is 667 so high risk cibil score of my mother affected my loan .sir u have a doubt CIBIL score is mandatory for educational loan. And can i take any legal activities against manager

A. You can not actually take action against manager for this personally. If there is something wrong with the cibil records you can get that corrected.
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Rabi Rath

Posted 1 month ago

Despite zonal office stand relieved order, Branch manager not relieving

A. 1. intimate the zonal officer, in writing, regarding the concern,
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Sourav Dey

Posted 1 month ago

We have a family temple.Want to open a bank account for the donation received from temple?Kindly suggest in what name should I open the account?Who will be responsible or authority for this account?What type of account should I open?

A. first register it as a society or trust for opening bank account
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Rameshwar  Dadhe
Rameshwar Dadhe Experience: 2 Year(s) Aurangabad
Suneel  Moudgil
Suneel Moudgil Experience: 15 Year(s) Panipat
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Sushiel K

Posted 1 month ago

Can i take the picture of complaint notice board in the bank to complain bank officers for not solving banking issues???... Bank security guard snatch my mobile and threatened me to police...

A. Hello,
you can unless it was in camera prohibited area and also need permission.
but still no need to worry .
if they didn't do anything at that time then they won't do anything now.
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Saranya

Posted 1 month ago

2016 I had bought educational loan still I didn't pay. Now they are asking to come to court and pay the total amount but now I can not pay the amount because I am a unemployed

A. Court will decide. It will give easy installments nothing to worry. They cannot put you behind the bars
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