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Anonymous

Posted 2 weeks ago

Hello, I received a credit card in 2018 ,n it's credit limit was 61000, I used the amount but I have also paid half amount to the bank. If paid the amount till October n after that one of the bank employees asked me to stop paying n he said wait for 4-5 months thn Bank will forward your case to recovery team and in that condition you can finish this matter with20 thousand .That time the amount was 58 thousand n now it has became 90 thousand .Now that employee is forcing me to take settlement n I have to pay 42000-44000 in six installments .I am not ready for that as per our conversation I want to pay only 20 thousand ,I can't pay more than that. Please guide me what I can do in this situation or what kind of action HDFC bank can take against me. Kindly guide me.

A. Bank has every authority to recovery. You can use following judgment if recovery agents approach you. Please give me Rank 5 if you feel my answer helped you.
=====================================================
Dear Sir,
Please get issue a legal notice on the basis of following judgment.

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 ...ReadMore
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Magesh B

Posted 2 weeks ago

While registering a MoD with bank for home loan they have Mistakenly not mentioned the date but the seed was registered on 7th may 2020 Whether we can take rectification deed and include the left out date.

A. Yes you can take Rectification deed.
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Anonymous

Posted 2 weeks ago

I made HDFC bank credit Card on Dec,2018, n it's credit limit was 61000 in total.Now, I want information regarding this

A. You have check with the concerned bank authorities online or offline furnishing your card details.
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Shantigopal Pramanik

Posted 2 weeks ago

Dear ,I fill an online loan form of Bajaj . Nextday Bajaj finance agent call me for loan .I convinced and send some documents like pan ,adhaar,bank detail in his whatsapp no .After some time, I recived a mail from Bajaj finance for approved the loan of rs 120000 & inform me to servicing charge rs 3500. I deposit the money by online to Bajaj finance account .after receiving the service charge ,they send 2nd mail to deposit rs 8000 for court charge .what can I do sir ?

A. 1) When did you apply for the Loan?
2) From whom did you approach i.e. NAME & PHONE NO. of the EXECUTIVE Etc. for giving your loan documents?
3) did you sign the LOAN AGREEMENTS for DISBURSEMENT OF LOAN?
4) Did you receive any messages for the LOAN APPLICATION OR LOAN PROCESSING OR DOCKET NO.?
5) Who told you to pay Rs.3,500/- & Rs.8,000/- for the LOAN AMOUNT OR PROCESSING ?
6) IF THE ANSWER TO Q- NO. 2,3,4,5, is “NO” THEN Let me be very frank “THERE IS NO LOAN ON any such PRE-CONDITIONS ...ReadMore
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Anonymous

Posted 2 weeks ago

A father and son duo has taken money from me in regular intervals, promising me that they will provide a flat at very low price. Last payment was in June 2015. All the transactions were done through bank, so have records. After sometime, I came to know that they cheated me as they don't have any such things. When I asked them to return my money, they stopped responding to my calls. Now, I want to file a recovery suit and may be a cheating case too, against them. My query is as the period is more than 3 years, can I still file the recovery suit or should I go for some other option? Kindly let me know is there any way to get my money back and also punish the guilty's for the sufferings I faced. If they are absconding, how to send them the legal documents such as notices or summons? What steps should I proceed with?

A. 1) You are the Victim of FLAT scam which is common
2) As you have done all bank transaction you have a valid proof
3) You can File a case in which taking a bail will become a tough job for your opponent.
4) You can get your entire money back, it is NOT a big issue, As they both must have looted many other people like you
5) If they are absconding then too No issues just provide me with their Mobile Numbers & we can Legally Catch them if they are in INDIA
If you realize my professional skills, th ...ReadMore
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Ayantika Mondal and Anik @ Prime Legal
Ayantika Mondal and Anik @ Prime Legal Experience: 11 Year(s) Bangalore
Ritesh  Tahaliyani
Ritesh Tahaliyani Experience: 13 Year(s) Nagpur
Kishan Dutt Kalaskar Retired Judge
Kishan Dutt Kalaskar Retired Judge Experience: 34 Year(s) Bangalore
Can a personal savings account legally be used for business purposes for small shops in India?"
Hello One nationalized bank is loacated in our area/society. The bank has rental agreements with owner of the building in which Bank is established. The bank doesn't have any parking space and security guard who guide the customer where to park. The people of the society are suffering heavily due to immaturity of parking sense, splitting anywhere near bank, large gathering in current lockdown situations by the bank customers. We have already ask manager to hire security guard or solve the problem but it didnt work. The owner is living aborad and we have his contact number. What are the legal way to solve this issue ? Kindly help us to come of out this.

A. Hi
You can always escalate to the nearest police station under NUISANCE against the bank and its customers.
Since it is the legal responsibility of the bank to maintain hygiene and also to adhere to parking regulations, you should complain to the police station.
Please note that in law, the neighbours right for peaceful possession and enjoyment is paramount and all neighbours need to ensure that neighbour's rights are not trampled.
Hope this information is useful.
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Anonymous

Posted 4 weeks ago

Dear Sir. I am so & so worked as officer marketing & recovery in state bank of India on contract basis for two year from 2008 to 2010 & then permanently absorbed as a specialist officer RMRO (Rural marketing & recovery officer) placed under suspension on 30.03.2017 on account of some allegation framed 8 charges. Charge No.1. Officer failed to obtain loan document in respect of loan handled by him. But document was missing in that branch but on criminal angle they framed charges like failed to obtained document. Charge No.2. Official failed to ensure safekeeping of loan document. In this charges mentioned all account sanctioned even before my contract period appointed in the bank. Charge No.3. The official disbursed some amount kcc loan account to borrower savings account by affixing his signature. But official failed to notice the borrower already expired in 2006. But this loan was closed on 2016 by somebody else before my suspension, in this charge a women wife of said to be deceased visited branch with male person he illiterate person said to be borrower both of them cheated bank & wife of said to be deceased person also availed one crop loan on same day of deceased person loan availed date. Charge No.4. The official unauthorized transferred an amount of Rs. to third party savings account from deacead account holder with permission of LTI thumb impression available on debit voucher of said to be deceased person savings withdrawal voucher and third party is an advocate and also borrower of the branch and availed himself and his family members crop loan and other loan nearly Rs.27.0 lacs now this all account turned into NPA and new savings account opened in nearby SBI branch (second branch ) and repaid the loan amount of said to be deceased person loan with interest from second branch. By seeing this transaction from first branch manager put hold on third party account in second branch. Then the borrower advocate filed a write petition on March 2017 in madras high court in his affidavit mentioned to release holds on account of insisting me and my family members defend on agri income and bank also filed a affidavit with all loan details with interest Rs.27.00 lacs and some kcc loan reviewed on 26.03.2013 but I was transferred form first branch on 26.07.2012 to some another branch of sbi. In bank affidavit mentioned that the kcc reviewed means all formalities completed on account EM creation, without creation of EM kcc loan can’t be reviewd. Without disclosing this all information the bank blamed & charged me that EM (equitable mortgage) was no done in charge no.5 and 7. So bank side also confirmed that everything is correct in charges of 5 &7 in court affidavit filed in madras high court and judgment came in favaour of banker side due to petioner is already defaulter and action taken by bank is correct under some section. Why I am telling this all those things, the 27 lacs also framed against me in my charge scheet No. 5 & 7. Charge No.5. Official failed to ensure extension of EM for loan sanctioned to the borrower. Charge no.6 .the official sanctioned agricultural loan beyond his discretioany power. But actually this loan was sanctioned by RCPC ( Rural credit and processing centre, a separate wing is available for sanctioning purpose on account of quality of advance) but blamed this loan sanctioned by me. But registered mortgaged was done in favouar of sbi branch so no loss to the bank. Moreover borrower ready to pay loan on compromise settlement. Charge No. 7. The official failed to obtain sanction and submit control form, compiles assets and liability, complile opinion report, and violated bank extant norms. Charge No. 8. is cumulative of all charges from charge No.1 to 7 incorporated in this charges. My Role and responsibility was only sourcing and verify and explore potential of agri business in the bank operational area, recovery of NPA account and liaison with various government departments for business purpose. I have no sanction power and I have no custodian loan document as per my role & responsibility mostly my role is out of branch not in side branch, but branch manager extracted work from me for all segment per segment , SME, Agri segment against of my role and responsibility. As per my role and responsibility I can assist the borrower for flling loan document only if the branch manager asked me. My signature available in housing loan document, Education loan document, SME loan document on instruction from branch manager. in the same way I have put my signature in place of sanctioned authority place on account of instruction & threatening from branch manager in charge No.6. After 8 month from suspension, FIR filed on November 2017 against me in local police station crime branch by branch manager of SBI. Still now April 2020 No charge sheet filed in the court by police. Then the deomestic departmental inquiry conducted and winded up and concluded without submission of defense document for my defence. At same time I have filed a write petition for want of defense document from disciplinary authority in high court. Then after the disciplinary authority forwarded the inquiry officer findings report conducted in domestic inquiry to me for my defence statement and then after I filed one more write petition for stay or quash the enquiry officer findings report on account of non submission of defense document. Then the disciplinary authority fixed particular date for my defense statement against inquiry officer findings then i submitted provisional defence statement to the disciplinary authority after that no correspondence is entertained between me and disciplinary authority. I have no informed by the disciplinary authority what decision taken by disciplinary authority. One day suddenly I received a letter from General Manager (appointing authority) by mentioning that I propose to impose the major penalty of dismissal in terms of rules of state bank of India officer service rule and appear before me for personal hearing and make submission if any, due covid 19 i asked the GM to postphone the personal hearing via E mail & also by registered post delivered on 20.04.2020. In these circumstances, what can i do, may i file two write petitions one is against the General Manager letter for getting stay order for proposed punishment and another one for quashing FIR filed against me on November 2017 still now No charge sheet is filed in the court. In this situation Can i make submission of my defence statement? But without supply of defense document from presenting officer or disciplinary authority, how can I submit defense statement to inquiry authority report forwarded by disciplinary authority. All ready two write petition is pending in high court for want defence document and another one for stay of inquiry officer finding report on account non supply defence document. Is there any possible to get stay order against General Manager Letter for proposed punishment without submission of defense document if I approach the court. So Kindly advice me please what can i do in this situation. Finally conclude in my tenure this allegation happened branch from including contract period 31.03.2008 to 01.08.2010 and then absorbed permanent appointment on 02.08.2010 to 26.07.2012 then I transferred to some other branch. All loans were sanctioned by assistant manager (advance) control return scrutinized by branch and another some sanctioned RCPC (Rural credit & processing centre). I am a specialist officer no way connecting in general banking. All allegations framed against me only not my superiors in my tenure worked in that branch and all superiors promoted.

A. Banks work on a very tight norms since they handle and manage public money. In cases on loans, the loan sanctioning and disbursement officer has lot of responsibility to ensure that loans are not given to wrong people and also to ensure that no corruption takes place.
If anything goes wrong while giving away the loan then it gets captured during the multiple audits that happen. If you have not committed any wrong then you should not worry and let the investigation show the right result.
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Bank deducted 1st EMI and documentation charges from the total car loan amount before disbursal and they are charging interest for that amount too, moreover, they added some health insurance to car loan without my consent to that loan and asking me to pay EMI for al these..

A. HI
It is against law for banks to deduct / charge their customers for add on products like health insurance etc.
You can either approach the banking ombudsman or file a case in the district forum for deficiency of service (in law , charging for add-on's without consent of borrower is deficiency of service)
Hope this information is useful.
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rajagopal  Sripathi
rajagopal Sripathi Experience: 27 Year(s) Hyderabad
Kishan Dutt Kalaskar Retired Judge
Kishan Dutt Kalaskar Retired Judge Experience: 34 Year(s) Bangalore
Devesh  Tripathi
Devesh Tripathi Experience: 10 Year(s) Jaipur
Hello, I was having housing loan from IDBI Bank. I closed the home loan by all the dues last year (March/ 2019). Since then i was trying to get my property documents. Eight months I have been informed by the IDBI that all the original documents are lost in the fire occurred at SHCIL, Mumbai and now the bank is in the process of getting certified true copies from the registrar. But that too is taking huge time. What are my options here? Please suggest. Thanks!

A. Dear Sir,
You have many options and the bank was insured so you will get part of such insurance compensation and certified copies and copy of FIR are sufficient to show that your documents were burnt out. Please give me Rank 5 if you feel my answer helped you
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