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I am currently not able to pay even minimum amount due for my credit cards and as result recovery people are visiting my home and forcing my wife to call me from her phone and make them to speak to me through. First they talk to me and demand money very arrogantly but when i deny for the payment then they declare that they will come at my residence and be there till they recover dues . Now in this scenario what can be done ? Is this style of recovery allowed ? What legally they and i can do ?

A. Not allowed. File Criminal complaint. It is not thing but recovery through muslemen which is banned by Supreme Court.
====================================================================================================
ICCI Bank Limited vs. Prakash Kaur case,

The Supreme Court in a landmark judgement reiterated its earlier stand that banks cannot deploy musclemen for recovery of loans from defaulters thus forcing them to end their lives.

"We deem it appropriate to remind the banks and o ...ReadMore
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Hi, I was in urgent need of money so i approached a private finance institution. Their representative got signed the loan application from me and collected all documents along with cheques as security but later on they rejected the loan. Since they rejected the loan. I asked the representative to return my application and cheques. But he is been avoiding me. I am worried that my cheques may be misused against me. What options are available to me.?

A. Dear Sir,

You may approach the police, you may approach the registrating office of such financial institution or get issue a legal notice and file a private complaint to return the cheques.
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Tushar Bhagat

Posted 1 year ago

I have applied for personal loan they took 2600rs as processing fees. Then ask another 7000rs I denied I ask for refund now they are ignore and not answering what should I do legally?

A. dear client in your matter kindly Please share complete details for an advice.
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Vasan C

Posted 1 year ago

I brought a flate under sarfeasi. The association in the flate S demanding for the bending dues against the previous owner. And they treaten to cut all services including water and EB. Is that so that we have to pay the pending dues of previous owner by us. Is thr any legal binding to clear the dues?

A. dear client in relation to your matter You go through the bye-laws of theat Association. and also your sale deed, and if there was a sale agreement.
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Anonymous

Posted 1 year ago

Hi Sir, in some monetary transaction with my friend I have given him a loan of rupees 75K of rupees through check which was unfortunately got bounced...by knowing this I have paid him the money through net banking in two instalments and when I ask him to return the check he didn't give, instead he black mailed me that he will go and book a case...inspite of requesting many times he didn't return me the check and he has again represented the same check in the bank for clearing after 45 days which I was already stopped... could you pls let me know how can I proceed in this situation, will I get any penaltites from him for this action

A. dear client in your matter you should do is to send him a Legal Notice straight away demanding the HELP offered from your side and also you have the right to sue him.
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Kishan Dutt Kalaskar Retired Judge
Kishan Dutt Kalaskar Retired Judge Experience: 33 Year(s) Bangalore
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Ved prakash Shaw Experience: 38 Year(s) Bhubaneswar
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ANIL KUMAR PC Experience: 14 Year(s) Ernakulam
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Anonymous

Posted 1 year ago

I am not able to pay credit card amount due to my unemployment and there is loan going in credit card. I paid minimum payment due monthly but it is not deduction in that credit card..... I always paid more than the amount but till I have to pay 90000/- rupees in card..... So kindly request you to advice anybody to closure of my card .....

A. dear client your matter is ambiguish for advice. I request you to please redraft your query with all the facts and circumstances so that I can advice.
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HARI Ajmani

Posted 1 year ago

Did not take loan.. Received message stating that summons have issued by court to appear for issuing a cheque for dishonour of payment.... I have not issued a cheque or taken loan for the number sent in message or been a guarantor... No court name, case number or date is given, I called the number it is stating it is invalid number Please advise what to do Thanks.

A. dear client in your case Better to consult a NI specialised lawyer with the summons to take up the case to guide & help you immediately to avoid any hardship & legal issues.
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Mohit  Sharma
Mohit Sharma Experience: 11 Year(s) Una
Ambrose  Leo
Ambrose Leo Experience: 9 Year(s) Bangalore
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Aakash Chandrakar

Posted 1 year ago

Sir i need one help. Sir ek unsuccessful bank robbery mere samne hua. Mai gawahi mai sign kia. 1 saal baad police wale mujhe notice lene k lie call krte hai court mai attend krne ke lie. Mai attend ni kr pa rha . Mujh pr kya action lia ja skta hai.

A. dear client in your case You can just be present there on next day and seek for grant for absenteeism for previous day.
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Anonymous

Posted 1 year ago

I use an Axis Bank credit card. The issue is that my bank has added a transaction of INR 28,000 from the Date "February 2017" to my statement for the month of March 2018. On calling the customer care I was told that it was not added to my statement for 13 moths because of some technical issues in their systems, and they have added the amount to my statement now after 13 months of the transaction of which I have no recollect. Please advise .

A. dear client it is better to approach the banks ombudsman immediately. before that lodge details to the bank manager in writing.
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Johnson  Thangiah
Johnson Thangiah Experience: 18 Year(s) Tirunelveli
Ved prakash  Shaw
Ved prakash Shaw Experience: 38 Year(s) Bhubaneswar
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Ramachandran Karancherry

Posted 1 year ago

1.Repayment of Ed.Loan is in EMI, thus we pay interest for capital paid back also. Willing to pay interest for outstanding amount, but not in EMI.Can I enforce pay back in terms of interest on outstanding amount and all extra payment to be debited to capital, like any ordinary loan. EMI is employed by loan sharks and Banks doing it is I feel illegal. Pl. advise.

A. dear client in your case Please share across the agreement for a professional advice.
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Johnson  Thangiah
Johnson Thangiah Experience: 18 Year(s) Tirunelveli
Ambrose  Leo
Ambrose Leo Experience: 9 Year(s) Bangalore
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