icon Credit card settlement

Hi I have icici bank credit card and limit is 2.5L.During 2021-2023 I have paid 4.25L double of my credit used.All my minimum payment went into interest .I approach bank for settlement but they settl

2 Response(s)

4 months ago


A. Dear Client,
If you are harassed by the bank or the recovery agent, then you can resort to the police station and can file a complaint. You can file a civil injunction suit in court with interim relief against the bank and recover damages for harassment. Legal action against the authorities will prevent creditors from visiting the person's home to recover their credit. Further, approach the bank again and explain your financial situation. In addition, request a lower settlement amount that you c ...ReadMore

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icon Can a PSU bank employee on probation join union strike

Sir/Mam, I want to know can a PSU Bank employee on probation join strike/protest at street with union/association. Will it attract any disciplinary action/termination from bank

2 Response(s)

4 months ago


A. Dear Client,
In India, the right to participate in strikes and protests is generally considered a fundamental right. However, this right is not absolute and can be restricted in certain circumstances. In general, employees, including those on probation, may have the right to participate in peaceful strikes or protests as a form of expressing their grievances or concerns. However, it's crucial to carefully review the employment contract, probationary terms, and any relevant company policies to d ...ReadMore

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icon Fake complaint lodge against me

My sbi account freezed for the reason of lien Amount? How to stop my account any prior information not given to me. I- Global online platform part time job given a job opportunities to me. I am also r

1 Response(s)

4 months ago


A. Dear Client,
Visit your local branch and discuss the matter with a representative. They’ll be able to advise you on what has to be done to put things right. In the event that you can’t visit the branch, call the bank’s customer support number. The bank will release the funds and remove the lien from your account once the Lien amount has been paid. You can bargain with SBI to lower the Lien amount if you are unable to pay the Lien amount in full. To accomplish this, send a Lien release requ ...ReadMore

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icon Disciplinary action after resignation acceptance

I resigned from public sector Bank which was accepted with clause that no show cause is pending. Now my boss is threatening with a vigilance case. Can they reject my resignation after accepting it.

2 Response(s)

4 months ago


A. Dear Client,
Even after the cessation of relationship with the Bank on acceptance of your resignation, Bank can initiate legal action against you, if after conducting an inquiry into an allegation of deriliction or dishonesty committed by you while in employment, if dictated and proved against you in the departmental inquiry after your resignation from the Bank. You are equally accountable for the commission of said proven misconduct even after your resignation from the Bank. Depending upon the ...ReadMore

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icon Online transfer issue

Agent profile image Vidhikarya Add free live chat to your site Write a reply.. Agent profile image Vidhikarya Agent profile image Welcome to Vidhikarya ! Please let us know how can we help you.

3 Response(s)

4 months ago


A. Dear Sir,
You just ignore all such communications because the company cannot go against you for small amount of Rs.54k since legal expenses are more and time consuming.

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icon Loan settlement

Credit card loan, parsonal loan settlement kaise kare.

3 Response(s)

4 months ago


A. Dear Client,
Lenders are not legally obliged to settle a debt lowering your outstanding debt, but because they want to protect their bottom line, they may agree to a debt settlement to avoid further financial loss. You can try to negotiate a debt settlement on your own if your pocket permits to repay entire outstanding at a time for one time settlement(OTS) of dues, but sometimes it's typically done through third parties like debt relief companies, which you may hire to negotiate the settlement ...ReadMore

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icon Bank Recovery

Is bank recover my full salary for previous overdue without any mail or massage

2 Response(s)

4 months ago


A. Dear Client,
As per Section 7(3) of the Payment of Wages Act, 1936, the total amount of deductions cannot exceed: 75 percent of the wages when the deductions are wholly or partly for payments to cooperative societies. 50 percent of the wages in every other case. Provided that where the total deductions authorized under sub-section (2) of Sec.7 of the Act, exceed seventy-five percent, or, fifty percent, as the case may be, of the wages, the excess may be recovered in such manner as may be prescr ...ReadMore

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icon Credit Card default

I have home loan, Personal loan and credit card loan from same bank. I have defaulted on my credit card.Can bank sell my home to recover credit card dues or in future can they block NOC of my home loa

2 Response(s)

4 months ago


A. Dear Client,
Lenders are not legally obliged to settle a debt lowering your outstanding debt, but because they want to protect their bottom line, they may agree to a debt settlement to avoid further financial loss. You can try to negotiate a debt settlement on your own if your pocket permits to repay the entire outstanding at a time for one-time settlement of dues, but sometimes it's typically done through third parties like debt relief companies, which you may hire to negotiate the settlement ...ReadMore

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icon Cannot repay emi

I can't repay in emi for bike in 1 momth

1 Response(s)

4 months ago


A. Dear Client
Communicate with the lender immediately and inform them about your financial situation. They might offer alternative repayment options or rescheduling of the EMI to make it more manageable for you.

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icon Bank account blocked

My Paytm account is blocked due to gujrat cybercrime cell alleging that a fraud transaction is done in my account.That transaction was done by gaming platform through its merchant.What to do to unbloc

3 Response(s)

5 months ago


A. Dear Client,
Once a cybercrime scam or fraudulent transaction is reported online to the National Cyber Crime Reporting Portal(NCCRP), on the instruction of the Cyber Crime Cell, the investigating team starts the routine process of investigation immediately freezing the suspected accounts of fraudsters and the victim's Bank account and you have to wait for the completion of the investigation of the scam by the investigating agency. The length of time it takes to investigate a cybercrime can vary ...ReadMore

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