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I took a personal loan which now I am not able to pay the EMI of it for last 3 months. What action can the bank take against me?
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A. Dear client kindly go and visit your bank authority for your issue.they will be help you to issue some more period for instalment.
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Deepak Bade Exp: 9 Year(s) Nanded
Shanti Ranjan Behera Experience: 22 Year(s) Bhubaneswar
Rameshwar Dadhe Experience: 2 Year(s) Aurangabad
ARPIT BATRA Experience: 11 Year(s) South Delhi

Anonymous

Posted 6 months ago

I bought a two wheeler two years ago on monthly EMI of Rs.4500 and also paid all the Emi's on time. After that the loan financing company offered me a personal loan of Rs. 214000 , which I denied to take but my husband applied online request for the loan behind my back. The company also didn't verify my current income and credited the loan amount in my account saying that it is a paperless loan where no documents are required to get loan. At present I m jobless and unable to pay EMIs of the loan. We asked company to give some time to seek job and make arrangements of money to pay the loan but they are not considering my request. What can I do as legal action? Since the company didn't take my consent before giving the loan. They did not talk to me, neither meet me face to face to take my consent for the loan. Can I file case against company's fault? Because the company is about to file case against me for the non payment of loan.plz advice me I m worried.
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A. Dear Client, There is a saying in English " One flower does not make garland".Both ( The Bank/the Financial Institution is at fault in giving you money at the request of your husband without proper verification which you should have brought to the notice of higher officials which you have not done means you are at fault as well.The best thing for you would be to go to the bank, meet the concerned Branch Manager, explain him/her the actual position and and take time.You can go to the Court, no problem.But, finally you will end up paying with interest.If you have a company/industry then there might be loan waiver.But I have my own doubt after reading what you have stated.Try to clear it up as soon as you can. Shanti Ranjan Behera, Advocate
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Shanti Ranjan Behera Exp: 22 Year(s) Bhubaneswar
Rajender Prasad Experience: 5 Year(s) New Delhi
ARPIT BATRA Experience: 11 Year(s) South Delhi
Kishan Dutt Kalaskar Retired Judge Experience: 33 Year(s) Bangalore

Anonymous

Posted 6 months ago

What is dhara 138? I am not able to pay EMI of a personal loan. Also the loan recovery employees have threatened me to mortgage my two wheeler and other things of my home for recovery. I don't understand what to do? Plz give legal and other than legal advice.
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A. Dear client kindly consult with experienced lawyer about sec 138. they can file recovery case under sec 138 of NI Act
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Deepak Bade Exp: 9 Year(s) Nanded
Kishan Dutt Kalaskar Retired Judge Experience: 33 Year(s) Bangalore
Rameshwar Dadhe Experience: 2 Year(s) Aurangabad
Ambrose Leo Experience: 9 Year(s) Bangalore

Gopinath PG

Posted 6 months ago

Collection team had sent a message Respected sir/Madam, we have couriered legal notice to your office and residential address. We are proceeding core legal and core collections follow up will be done now onwards. All your call recordings and mails false commitments are legally filed against you. kindly remit the payment before 12 PM 13.10.2018 No more time extension will entertained. Note please ignore if payment already done. Regards RBL CARD
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A. Dear client there is procedure of bank to recover amounts.better way to raise your issue before banking authority
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Deepak Bade Exp: 9 Year(s) Nanded
Shanti Ranjan Behera Experience: 22 Year(s) Bhubaneswar
sistla ramakrishna Experience: 29 Year(s) Vijayawada
Rajender Prasad Experience: 5 Year(s) New Delhi

Anonymous

Posted 6 months ago

Message had been sent stating that legal notice is sent , core follow up will be done Pls give some legal advice
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A. you havenot mentioned the full facts of the case.For details, pl.contact some family lawyer like me through vidhikarya.com
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Rajender Prasad Exp: 5 Year(s) New Delhi
ARPIT BATRA Experience: 11 Year(s) South Delhi
Shanti Ranjan Behera Experience: 22 Year(s) Bhubaneswar
Kishan Dutt Kalaskar Retired Judge Experience: 33 Year(s) Bangalore

Anonymous

Posted 6 months ago

Sir due to my financial situation not able to pay my dues from past 2 months , recovery agents visited my house asking me pay the money instantly
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A. Dear client kindly Lodge a complaint with the local police against the financial institution and recovery agent
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Deepak Bade Exp: 9 Year(s) Nanded
Abhimanyu Shandilya Experience: 14 Year(s) Kolkata
ARPIT BATRA Experience: 11 Year(s) South Delhi
TRUST CHAMBERS OF LAW Experience: 18 Year(s) New Delhi

H S Rajput

Posted 6 months ago

I was transferred 1lakh to person on his personal demand (personal usage) after 4month he has been provided me 2nos. of cheques 1lakh and 16thousand(never presented, now it's expired/outdated). I have been presented only 1lakh cheque, which dishonored. So I have been filed a case. My advocate wrongly mentioned fund transfer as a cash(instead of NEFT). After 1 and half year in the last hearing I have been put all true facts before the court. Can you guide me, what will be view/judgement of judge.
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A. if its a typographical error it can be corrected with the leave of the court. Since the cheque of INR one lakh has been dishonoured the JM/MM will view your case like any other cheque bounce case and will pronounce its judgement accordingly.
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ROBERT D ROZARIO Exp: 15 Year(s) Kolkata
Shanti Ranjan Behera Experience: 22 Year(s) Bhubaneswar
Rameshwar Dadhe Experience: 2 Year(s) Aurangabad
Kishan Dutt Kalaskar Retired Judge Experience: 33 Year(s) Bangalore

Jaydeep Punjani

Posted 6 months ago

Respected sir i want file rti against nationalised bank regional office ahmdabad for my job issue so how u file?can i pay rti fees through non-judicial stamp? Please guide me
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A. Dear client indian postal order is better one option for your pay
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Deepak Bade Exp: 9 Year(s) Nanded
Rameshwar Dadhe Experience: 2 Year(s) Aurangabad
ARPIT BATRA Experience: 11 Year(s) South Delhi
Sanjay Kumar Jha Experience: 17 Year(s) Patna
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. Dear Client, Though you have not applied but received the amount in your account hence you have to pay. Bring it to the notice of authorities and try to settle it through OTS. Shanti Ranjan Behera Advocate
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Shanti Ranjan Behera Exp: 22 Year(s) Bhubaneswar
Prabhakara S K Shetty Experience: 19 Year(s) Bangalore
Rameshwar Dadhe Experience: 2 Year(s) Aurangabad
ROBERT D ROZARIO Experience: 15 Year(s) Kolkata

Anonymous

Posted 6 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. Dear Client, Presumably this might not be the case of a Nationalised Bank. Private Banks have different style of functioning. Important questions... You have accepted the money without any complaint. Paid two EMIs withount any objection. Problem came to the limelight only after loosing money in the share market. The best option for you would be to return the money with interest at an early date ot talk to the Branch Manager for OTS. But, in any case the bank will realise the money from you. Shanti Ranjan Behera Advocate
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