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I have taken a vehicle loan from a small finance bank in Nasik. I was paying my regular EMI on every 5th of the month. Due to my clear repayment record, bank offer to renew my vehicle insurance through them. They offered me 0% interest on insurance premium which has to pay in 6 EMI. Bank took 6 PDC against the insurance premium amount. When due to date of the insurance premium came bank didn't deposited the cheque and they deposited the cheque after 20 to 25 days it's due date. After that their recovery team started calling me and asking me to pay the EMI, which was already cleared from account. They continued to call me for next 6 months threatening to pay the EMI which was not due. They spoiled my CIBIL. I came to know this when personal loan was rejected by another financial institution. I came into financial crises due to my loan rejection. Now I have stopped paying further EMI and asked bank to pay me compensation for harassment and CIBIL spoil. Please advice me the further step.

A. Send them a legal notice and also file a case in consumer forum seeking compensation from the bank for bad services. It is their fault for which you are made to suffer.
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Deepak Yashwantrao Bade
Deepak Yashwantrao Bade Experience: 10 Year(s) Nagpur
Rajender  Prasad
Rajender Prasad Experience: 6 Year(s) New Delhi
sistla  ramakrishna
sistla ramakrishna Experience: 30 Year(s) Vijayawada
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Anonymous

Posted 1 year ago

we were were two patner in a patnership firm and open a bank account of the firm .after that one patner is added and now we were three patner but in bank account we did not update the deed. now one of old two patners is expired. in bank what documents will be required for updating the new deed ? is death certificate will be required ?

A. Consequent on death of a partner, the partnership will be dissolved,the bank may not consider,better to take up issue from a Expert lawyer from this panel on all aspects of issues quickly.
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Deepak Yashwantrao Bade
Deepak Yashwantrao Bade Experience: 10 Year(s) Nagpur
sistla  ramakrishna
sistla ramakrishna Experience: 30 Year(s) Vijayawada
Rajender  Prasad
Rajender Prasad Experience: 6 Year(s) New Delhi
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Pankaj Pal

Posted 1 year ago

Sir ,my name is pankaj pal I am btech first year student I wanted to apply for educational loan for my graduation but due to difference in my father's name in my educational documents and my father documents in my documents his name written is sarvesh pal but in his documents his name written is sarvesh Singh . please I need a sudden advice

A. Dear client your father can get an affidavit from the First Class Judicial Magistrate. Kindly go through experienced lawyer
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ROBERT D ROZARIO
ROBERT D ROZARIO Experience: 16 Year(s) Kolkata
VIMAL K MISHRA
VIMAL K MISHRA Experience: 16 Year(s) Allahabad
Rajender  Prasad
Rajender Prasad Experience: 6 Year(s) New Delhi
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Murli Rajan

Posted 1 year ago

We are an MSME & have Cash Credit & Bank Guarantee Facility with GP cooperative Bank, fully secured against land, building, plant & machinery since last almost 4 years. They are giving me very poor service due to which I started transacting with other Banks.I ensured that the CC account interest was serviced regularly. However, the financial turnover dropped in the CC account on account of me transacting through other accounts. My submission of documents & compliances to GP Bank’s documentary requirement was more or less up to date. Some months before , due to a sudden cash crunch, I could not service the CC interest in time. However, the situation improved & I brought the account to regular status.I even deposited 75% of the sanctioned CC amount. After depositing the Amount, the Bank wrote to me that they had frozen both the Accounts of CC & BG.The utilization of CC was 25% & BG 55% at the time of freezing of the account.GP Bank has not called up the CC or BG accounts till date. Interestingly the GP Bank issued us a Bank Guarantee during the tenure of the freeze on our account, which had been requested of them 5 months before , The other Banks I was transacting with are SBI & DNS cooperative Bank. The reason for transacting with these banks was of pure convenience. SBI account was opened before GP Bank sanctioned the facility. Hence GP Bank knew about the existence of this account for the last almost 4 years. Stock Audit conducted by the GP Bank Annually also mentioned the existence of the Bank Account. The account at DNS Bank was opened last year & we failed to mention that we had a CC account with GP Bank. However, DNS Bank knew that we had the CC Account as they offered to take over the account from GP Bank. We have all the correspondence with the Bank regarding the proposed take over.GP Bank also knew of the DNSB Account on the same basis of SBI account. After freezing our account GP Bank wrote to SBI & DNS Bank that we were defaulters & demanded that the banks close the account & transfer the balances in the account to GP Bank. Both the said banks wrote to us enclosing the communication received from GP Bank & asking us to authorize them to comply with GP Bank’s request. DNS Bank however informed us that they had frozen our account & asked us for our authorization to remit the balance in our account to GP Bank. We wrote back to both banks protesting this letter from GP Bank & denying that we were defaulters, enclosing the latest bank statement of GP Bank as proof of our account being regular & we denied both banks authorization to transfer any funds in our account to GP Bank. We also informed them of the issual of the BG by GP Bank on the dates after they had claimed that we were defaulters. SBI took cognizance of our letter & took no action on GP Banks demand. Interestingly.GP Bank issued a NOC to SBI to operate our account. We have approached the Nodal Officer under the RBI’s Customer Grievance mechanism against DNS Bank’s Stand of freezing our account without notice to us & remitting our funds to GP Bank. Even during the pendency of our appeal with the Nodal officer, DNS Bank have remitted the funds to BP Bank while informing us that they have kept a minimum balance , but the account is still frozen & asking us to get the NOC from GP Bank to defreeze it.We have in turn wrote back to them requesting them to close the account without prejudice to our right to approach the competent authority at their heavy risk & cost. We will be following the steps upto Banking ombudsman for our grievance redressel after which we will file a suit for damages on account of loss of business, loss of opportunity, mental agony etc.against DNS Bank. We request to know under what sections we should file the suit & where should the suit be filed & what are our chances of success in winning the suit

A. I with my ex SBI experience will tell you that usually banks do not faulter and they are very calculative and attentive when they do these kind of things. So, my first impression would be that whatever you have mentioned there could be more information underlying in the documents and communications between you and the banks.
Having said that if the bank has committed the blunder the way you are stating then you for sure have a strong case to go ahead and have good probability if winning. But r ...ReadMore
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Sai teja Lalam

Posted 1 year ago

I have been offered a job of assistant managet in canara bank. They exam was conducted by ibps. During the exam they captured the biometric and the same was not verified during examination. So they sent the samples to the forensic department and they cleared my identing and i have joined now. But i have waited for 6 months during which i didnot get any salary. There is not fault from my side because it is the fault of the person who taken my procedure or may it is the process which they followed because they failed to do it. It is their responsibilty to take care of this type of problems and should take care of some other alrernatives. Why should i loose my 6 months salary for the mistake i have not done. Will i get the salary if i go to tribunal. As there are some cases like suspension of a person and later he is not proven guilty they provide him the salary. This is the same scenario. Can i proceed to tribunal

A. The fastest way will be to send a representation to your organization asking them to disburse your salary. If they don't do it then you file a writ petition in the High Court and that should resolve your matter fast depending on the time taken by the court.
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Deepak Yashwantrao Bade
Deepak Yashwantrao Bade Experience: 10 Year(s) Nagpur
ROBERT D ROZARIO
ROBERT D ROZARIO Experience: 16 Year(s) Kolkata
Kishan Dutt Kalaskar Retired Judge
Kishan Dutt Kalaskar Retired Judge Experience: 34 Year(s) Bangalore
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Sai teja Lalam

Posted 1 year 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.

A. Would you prefer filing a case against new employer ?
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Deepak Yashwantrao Bade
Deepak Yashwantrao Bade Experience: 10 Year(s) Nagpur
ROBERT D ROZARIO
ROBERT D ROZARIO Experience: 16 Year(s) Kolkata
Ravi Bhushan Pd  Sinha
Ravi Bhushan Pd Sinha Experience: 30 Year(s) Patna
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Anonymous

Posted 1 year ago

Hello sir, I was taken 170000/- Loan from private Bank. It's on 24% interest base loan. I was paid 17 Emi Regular. But after I loss my job due to my heath problem. I was not able to pay the remaining amount of loan. But bankers are always asking me to pay the remaining amount. I was trying to discuss with them. But thay are using very bad language. Also thay Are abusing me and torture me again and again. I had 40,000/- salary When I was job. But the problem is that when I got job the bankers call to my new office and trying to disturb and abusing me. And using very bad language. Thay always got my office number. That's why I am really frustrated from this. Also thay harrash me always. N my family. I requested them to co Operate me I will definitely give your remaining amount. But that people enjoying to abusing me and my family . Now thay r telling me to shuttle the loan amount. After 3 years of continuous harrashment. Now my family is completely disturb and my wife is not staying with me and she went to her father's house. My wife and my son was really scared from this situation. Remaining Amount is not very high it's very small type of amount but that people are totally disturbing my life. Now I am jobless and my family is not with me. I am totally depressed and do not no what to do. Also the bank Give the case against me and now the bailable warrant against me. I was taken loan from Mumbai and my case is in Kolkata. I don't know what to do in this case. Plz help me sir. I am really suffering in this situation and don't know where I go for help. Please Help me sir.

A. Please contact me by getting my phone number from Vidhikarya. I am a practising advocate from Kolkata. I can take care your matter.
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Ambrose  Leo
Ambrose Leo Experience: 10 Year(s) Bangalore
Deepak Yashwantrao Bade
Deepak Yashwantrao Bade Experience: 10 Year(s) Nagpur
NARSIMHULU  B
NARSIMHULU B Experience: 6 Year(s) Mahbubnagar
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Anonymous

Posted 1 year ago

My mother suffered from cancer and took a loan of rs. 7.5lakh from hdfc in november 2017 for treatment. But unfortunately in December, she expired unexpectedly because of sudden increase in the disease. (She was divorced) The Loan Amount was 7.5lakh but 3.90 lakh was sent to DD To cover old loan from another company and the rest was credited in her account . My age is 20. I am single daughter without anyone else help. The problem is that: The DD is still not received . Now i have settled the old loan through cash because we did not get the DD. I have paid 3 EMI's of 16k of hdfc after my mother's sad demise. From past 6 months i ve complained regarding this issue of DD, they (bank officials) always tells me " pay this month emi we will find ur DD (According to them its misplaced) and then settle your loan" . For loan settlement they will liquidate the dd and for covering the rest of the amount they are demanding 1-2lakh from me ( i am the only legal heir) . Now i am not capable of paying the emi ( already paid 3 emi's ) as well as give them 1-2 lakh settlement amount. I have just got a job which gives me no more than 18k as salary how will i survive if they forced me to pay. Iam not getting any financial help from anyone . What should i do? Am i liable to pay? Or can the file a legal notice against me? Can u guide me what can Ido here to protect my job and to successfully settle the loan

A. Dear client you need to send legal notice to concerned authority and file complaint before banking ombudsman.
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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.

A. You did not mention how much amount you transferred to her account. If the amount is less, forget it and move ahead. And if you really want to teach her a lesson for doing wrong, lodge a complaint with the local police station for breach of trust and cheating. Alternatively you can refer your grievances with Cyber Crime Cell.
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Deepak Yashwantrao Bade
Deepak Yashwantrao Bade Experience: 10 Year(s) Nagpur
Prabhakara S K Shetty
Prabhakara S K Shetty Experience: 20 Year(s) Bangalore
Abhimanyu  Shandilya
Abhimanyu Shandilya Experience: 15 Year(s) Kolkata
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Anonymous

Posted 1 year ago

I had taken a loan home loan from hdfc, in between I was not having job hence 3 emi was missed, but immediately after that I have taken money from my brother and uncle and paid total outstanding with penalty, I have paid 15 l in one stretch and now balance is 9000 rs that is also due to hdfc branch was not having force closure facility for complete amount, after 1 year when I have need some loan, I have checked my cibil score, I found HDFC had file a suit against me for 20l fraud, and posted me as wilful defaulter, nobody is giving me the loan now

A. hallo sir, you should be contact with lawyer for file case against hdfc bank about your inconvenience. its huge mistake made by bank and you can ask for compensations, damages for your loss. kindly contact with vidhikarya lawyer for filing case
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ROBERT D ROZARIO
ROBERT D ROZARIO Experience: 16 Year(s) Kolkata
Abhimanyu  Shandilya
Abhimanyu Shandilya Experience: 15 Year(s) Kolkata
Ambrose  Leo
Ambrose Leo Experience: 10 Year(s) Bangalore
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