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I had taken a business loan, tough I had signed document with 4 % foreclosure charges I requested bank to reverse charges before foreclosuring the loan on mail. The bank replied that they will give us answer within few day. Later I received foreclosure statement with 0 foreclosure charges. So I took aknowledgement of the foreclosure letter from the bank and foreclosed my loan. Upon foreclosuring of my loan they still charged me foreclosure charges, when I asked why did they issue a foreclosure letter with 0% foreclosure charges, and why did they not inform me about foreclosure charges they said that you had signed the agreement wherein it is mentioned that you have to pay foreclosure charges, but my point of argument is "1. Final communication with bank was at 0% foreclosure 2. I have mail asking them to waive my foreclosure charge. 3. Also aknowldgement from bank officers about receiving 0% foreclosure charges. 4. No communication from Bank to us before directly deducting foreclosure charge. " Can you tell me whether I have case or no?? Should I go to ombudsman? Are there any presedence of similar case?

A. Dear Sir,
You may get issue a legal notice followed by suit for foreclosure.

Please take PAID phone call with me through VIDHIKARYA and get more legal guidance.
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Karjdarachi ekach property asel tar bankela ti sold out karta yete ka? tasa konta law asel tar sanga? ek person ek asset asel tar bankela til property attached karta yete ka?

A. Dear Sir,
Please write in English language.
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My father got paralyzed and disabled. I'm nominee and e or s for all his accounts. He lost all his docs with bank at the time of paralyzed incident happen. I'm trying to get duplicate receipts for his accounts. Its going to 1 year, still they didn't hand over receipt to me. I requested them to come and meet my dad. But they didn't. After reached commissioner office they ok with by seeing him in video call. Now without intimate me they want to see my dad and get his thumb impression on what docs I don't know. Is it possible or allowed in law to meet the disabled person and get his thumb impression without responsibility or nominee person???

A. No. They can't. But at first just assure yourself what they have get it signed or thumb impressed.
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Anonymous

Posted 3 weeks ago

I have a credit card of ICICI Bank. But I'm not use it any time and not generate it pin number.bank told me that this card will be free of cost and no any charges. But they are continuing charged on it . So PL what I can do.

A. Dear Sir,
You may lodge complaint with Banking Ombudsman...

Please have PAID phone call with me through VIDHIKARYA and get more guidance.
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Hi Sir/Ma'am, I am 29 years old and have a query regarding the appointment in bank on compassionate ground. My father has expired in Dec 2016 and I had sent all the documents to the bank headquarters within a month as per my understanding. However I didn't get any revert for a long time. Around 3 months ago, I received a letter from them regarding the remaining documents I need to submit so I have submitted all of it as mentioned in the letter 1 month ago. I need to know that how much time generally it takes or anything if you can add will be helpful.

A. Dear Sir,
You have to approach immediately to the Service Tribunal or High Court. Contact any Service Advocate immediately.
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Anonymous

Posted 1 month 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.

A. Lodge a complaint with the banking ombudsman.
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Anonymous

Posted 1 month ago

Is forex trading legal in India at present?

A. Do not try this.
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Anonymous

Posted 2 months 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 months 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 2 months 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
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