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Anonymous

Posted 6 months ago

Hello Sir/madam I am a retired bank employee I got retirement in Aug 2016. I didn't opt for pension initially as my bank (Bank Of India) was asking for some funds for availing pension. As I was little short on funds at that time I didn't avail pension but now i have funds and I am willing to give it to bank and get my pension started. Recently bank proposed an offer to avail pension for retired bank employee in exchange of funds but it turned out that it was for those employees who were suspended. I am advised that I can avail pension as it's my legal right ......i want a professional opinion in this matter that what kind of legal procedure should I follow to get my pension started.....approximately how much time will the procedure take and how much will it cost me
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A. search for the general secretary of SBI pensioners` Association Mr. Prasad in Bangalore. I am not supposed to provide any number or address here.
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Prabhakara S K Shetty Exp: 19 Year(s) Bangalore
Dear sir/ mam, I want to ask that is there any such scheme which is legally valid according to the guideline of RBI for non banking finance company that paper less personal loans are sanctioned on the basis of good track record of customer without his own consent, sign, photo and document? My second question is that recently a non banking finance company has approved a personal loan in my account without my consent , sign and documents. On being asked the company is saying that the loan was sanctioned as per the scheme of paper less personal loans.Now the company is asking for EMI every month.we are not able to pay an EMI of Rs. 9000every month. Should I pay the EMI or go for settlement or file a case against the finance company? If I go for settlement, I can pay only Rs.2000 would the company be agree for it ? I don't understand what to do? Plz give legal advice for both the questions.
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A. If you have made use of the amount by withdrawing from that account, then you are bound to pay EMI.
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Prabhakara S K Shetty Exp: 19 Year(s) Bangalore

Anonymous

Posted 8 months ago

My husband took a personal loan without my consent on my name.I told him to return the money to the bank and for that I did an nft to my husband account no. so that he would return the money to the bank but didn't return it but lost all money in share market. He told me that the bank had accepted the money and said that the bank would itself credit money in my account and debit the EMI every month. Also it happened for two Emi's but when 3 rd EMI got bounced I came to know about the reality that he was leying everything. Now he is saying that he would pay the EMI himself for the loan. My husband don't have money to pay the loan. We are fighting everyday for the same matter. Now what I want is that can I file a case against the bank to sanction loan in my account without my consent? Also I want to tell u that the bank has done a great mistake that it did not ask my consent. Also the bank don't have an y of my document, signature, photo no such proof to claim from banks behalf that I have taken a loan. I want to file complaint against the bank so that we don't have to pay the loan. It was my husband mistake that he lost all money and now not in a position to pay the loan. Is there any such legal solution that my husband remains safe and the bank should suffer for the mistake and not having any proof of loan sanction. Plz advice.
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A. Have you signed on any form at the Bank ? Or stood as guarantor? if you have not signed you do not have to file any ase against Bank, just stop paying the EMI.
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Prabhakara S K Shetty Exp: 19 Year(s) Bangalore

Anonymous

Posted 8 months ago

My husband applied for a personal loan without my consent. He filled the form through online process. The loan is on my name. Two EMI have been bounced and the bank has filled fir against me. Please give a free legal advice. I m jobless nowdays . Also the bank does not have any of my document , signature before approving the loan. I asked for the documents but the bank said nothing about it. Also I want to know that only by applying online for a personal loan, is it the way to transfer the amount of loan in customer account without his consent. Plz give free legal advice. My husband is addicted of these free loans. I m fedup with him. Plz help.
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A. If you are in Bangalore, I can draft a reply to your matter, send me your e mail id.
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Prabhakara S K Shetty Exp: 19 Year(s) Bangalore

Sai teja Lalam

Posted 9 months ago

I worked as a po in regional rural bank for 1 year. I got a better job offer and i resigned. At the time of joining biometric verification was not verified. So they sent to forensic lab and they cleared my candidature. It has taken 6 months. They have provided me the service but not salary. Can i get salary if i go to tribunal as there is no fault from my side because the person who has taken my biometric may be not qualified or the software they used to capture biometric may be error.
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A. Was it in your first Bank or second ?
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Prabhakara S K Shetty Exp: 19 Year(s) Bangalore

Anonymous

Posted 9 months ago

Sir I send money by transfer to my friend by using mobile banking he received the money, he promised to pay me the money next day, she send me a photo that she send money by using paytm, but I didn't receive my money. When I asked for give me transaction I'd she said I accidentally deleted my transaction I'd , I talked to bank official who is my friend he told me that there will no transaction happen to send money. Now she said that paytm will not give money returned because after 4 days from transaction we cannot do anything. She totally try to make me fool, pls advice me what to do. Is there any legal case I can go for.
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A. Do you know her address , employment ? Does she have means to repay ? The you can file a civil suit to recover .
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Prabhakara S K Shetty Exp: 19 Year(s) Bangalore
My uncle took loan from card bank jharsuguda in 2006 ,3lacs and my father was nominee by mortgaged of land .my unlce when alive bank didn’t give any notice for loan but after when death after 7year bank give notice to my father as nominees should we pay 3lacs of 12lacs loan please give me any suggestions for clear my laon
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A. If your father has got transferred the property to his name , then he takes with him the liabilities of the properties also. And did your father ask for the original papers of the property from the Bank ? More advice can be given if you ask for a consultation.
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Prabhakara S K Shetty Exp: 19 Year(s) Bangalore

Anonymous

Posted 10 months ago

A private bank has approved me a loan of Rs. 217000 without my consent. And now the bank is taking EMI of Rs.9066 . Can I take any legal action against bank?
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A. Strange is your question, have you not taken the amount from teh Bank? How they are collecting EMI , who is paying them ? If you have not recieved teh amount, don`t pay to them, and if you have not consented to the loan, what is the meaning of that Bank having 'approved ' it ? And you are talkIng of taking action aginst Bank after paying ENI ?
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Prabhakara S K Shetty Exp: 19 Year(s) Bangalore

Hari Shankar

Posted 10 months ago

My grand father was expired on last January, he has a account in post office with no nomination , Bank demands letter of administration. Please guide from where we issue letter of administration.
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A. You are mistaken ( and successfully confused several lawyers her too )about letter of administration, there will be no such thing in your case, neither an administrator. All you need is a succession certificate. but for claiming small amounts you may be required to execute a bond and an affidavit, it is so provided because if the amount you may have to spend on getting succession certificate exceeds the amount that you seek to recover.
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Prabhakara S K Shetty Exp: 19 Year(s) Bangalore

Anonymous

Posted 11 months ago

Dear Sir, This refers to the my wife sister took vehicle loan from HDFC bank she submitted all my wife document without our knowledge and she not paid loan amount past 3 months now they are asking to my wife that we are rise the case is there any solution for this..
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A. If your wife has not signed any papers of Bank, she will not be liable.
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Prabhakara S K Shetty Exp: 19 Year(s) Bangalore

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