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Dear client,

While bank auctions are typically on an "as-is, where-is" basis, the courts have consistently ruled that this does not exempt banks from disclosing material defects in title or documentation.

Duty of Disclosure: Under Rule 8(6)(f) of the SARFAESI Rules, 2002, the bank is mandated to disclose any "material fact" which the purchaser ought to know. A missing OC is a material defect because it affects the "marketability" of the title.

Contradictory Conduct: Since SBI is both the auct

Dear client,

PhonePe accounts are often blocked for suspicious patterns like repeated payments from the same credit card, which can flag as potential money laundering (e.g., structuring or smurfing), even if individual amounts are small. With ₹2.55 lakh over 4 months from 3 customers (max ₹16k), filing ITR shows legitimacy but doesn't guarantee unblocking or prevent scrutiny.
Blocks occur under RBI/NPCI AML rules for unusual merchant patterns, such as multiple low-value transactions from on

Dear Client,


In most such arrangements, there are two separate legal contracts:

Service Agreement – Between the student and the course provider (e.g., BYJU’S / Think & Learn Pvt. Ltd.).

Loan Agreement – Between the student and the finance company (e.g., Aditya Birla Capital Ltd.).

Legal Position:

The course provider is responsible for honoring cancellation terms and initiating refund, if cancellation was valid under contract.

The finance company is responsible only for enforcing

Dear Client,




If your bank account has been frozen, the first step is to immediately contact your bank branch and obtain the exact reason in writing. Accounts are usually frozen due to KYC non-compliance, suspicious transactions, a cybercrime complaint, court or police orders (such as under Section 102 CrPC), loan recovery proceedings, or tax attachment. If the freeze is due to incomplete KYC, submitting updated identity and address proof generally resolves the issue within a few days. If the

Dear Client,

If the fraudulently transferred amount has already been marked as lien in the payee’s bank account, you should immediately pursue both banking and legal remedies to secure reversal. First, submit a written request to your bank and the payee bank (through your bank) seeking debit freeze confirmation and reversal, enclosing the NCRP complaint, FIR copy, transaction details, and proof of fraud.

Since the amount is under lien, it means the funds are frozen and cannot be withdrawn

Ask the bank to share the police instruction copy basis which the freeze has been made to the account. Once you have the copy then you can through your lawyer approach the respective police station and get the freeze removed as per the law and procedure.

Hi,
Since online gaming has been banned in India hence now these kind of games where money is involved is no more allowed. If the platform is still allowing you to play and put money then its absolutely wrong on their part. You need to get in touch with the platform and seek more information from them.

Dear Client,

Since your loan is secured against property and you may soon be unable to continue paying EMIs due to business closure and health issues, it is advisable to immediately inform Aditya Birla Finance in writing about your financial hardship and request options such as restructuring, moratorium, or reduced EMI before any default occurs. If continuing the loan is not possible, you may offer voluntary surrender of the secured property to the lender, which can help avoid legal recovery p

Dear client,

Your situation involves a serious but explainable banking and cyber-law issue, and it is important to address it carefully and lawfully.

When a bank account is marked as a “mule account”, it is usually frozen under instructions from the Cyber Crime Cell or investigating agency because the account was used for suspicious or illegal transactions. Even if there was no criminal intention, sharing bank details, ATM card, or SIM card with third parties is treated as negligence under

Dear Client,

An account is usually frozen in internet banking fraud cases to prevent further loss of money and to preserve evidence for investigation. When a complaint is filed through the bank, cyber crime portal (NCRP), or police, the concerned bank may immediately place a debit freeze or full freeze on the suspected account under RBI guidelines and directions from law-enforcement agencies. This is done to stop withdrawal or transfer of fraudulent funds, trace the transaction trail, and secu