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Dear Client,
As per Section 69(1) of the Consumer Protection Act, 2019, the limitation period for filing a complaint before the Consumer Commission is two years from the date of the cause of action. However, under Section 69(2) of the Act, a complaint may be entertained after the period specified in sub-section (1), if the complainant satisfies the District Commission, the State Commission or the National Commission, as the case may be, that complainant had sufficient cause for not filing the c

Dear Client,
Your query lacks information. You did not disclose the reasons behind you removal from service of the Bank. However, be informed that a clean experience certificate issued by PNB post removal from the service bears no negative or adverse impact/affect on future employment and may not be considered as disqualification for further employment unless removal from service is caused following a disciplinary action for a proven misconduct.

Dear Client,
Your query lacks information. However, be informed that a defaulter of credit card dues or a borrower of a loan is held personally liable for his or her debt for non-payment of the outstanding amount of the loan/credit card dues, and legally, there is no escape route to get rid of that liability. In the given scenario, you may negotiate or settle your dues against credit card by following the steps like lowering your interest rate, arranging for a reduced interest rate is one of th

Dear Client,
Your query lacks information. There are a variety of reasons behind marking a lien on a bank account. You should have asked the reason behind marking a lien on your account to your Bank. However, be informed that a bank can mark a lien on a customer's account primarily based on the banker's general lien as provided under Section 171 of the Indian Contract Act, 1872, and the contractual agreements signed by the customer. A bank can mark a lien on an account based on instructions fro

Dear Client,
HDFC offers different types of savings accounts and a minimum average monthly balance (AMB) for regular savings accounts, and that differs on the location of branch in which the SB account was opened and maintained (e.g., Rs.10,000 for urban, Rs. 5,000 semi-urban, and Rs .2,500 rural branches). Non-maintenance of the minimum balance in regular Savings Accounts incurs charges/penalties depending the shortfall of minimum average monthly balance (AMB), In case the shortfall is less t

Dear Client,
The Promotion and Regulation of Online Gaming Act, 2025 that comes into force post-gazette notification from 22nd August, 2025, completely bans any online game that involves a fee or stake with the expectation of winning money or other stakes, regardless of whether it is based on skill or chance. The Act defines three categories of online games, i.e, e-sports, social gaming, and with a complete prohibition on the online money games including skill-based games played for money. It e

Dear Client,
Your query lacks information. You should have asked the reason behind marking debit freeze of your account to your Bank. There are a variety of reasons behind marking debit freeze or a lien on a bank account. However, be informed that once a cybercrime scam involving suspicious or fraudulent transactions is reported online to the National Cyber Crime Reporting Portal(NCCRP), on the instruction of the Cyber Crime Cell, the investigating team starts the routine process of investigati

Dear Client,
Your query lacks information and transparency to address it properly. However, in the given scenario, you should write to your Bank asking the reason behind the calls for payment of dues against your credit card which has no outstanding and blocked 5 months ago. In case they did not respond to your query or sent an unsatisfactory reply, you can escalate your grievance, you can file a complaint to the regulatory authority RBI, online on its grievance redressal portal under the Int

Dear Client,
A borrower of a home loan is held personally liable for his or her debt for non-payment of the outstanding amount of the loan, and legally, there is no escape route to get rid of that liability. Once the repayment of the loan stops or bounces for consecutive 3 occasions, the Bank/NBFC inform the borrower for settlement of loan and if the borrower fails to settle the loan, they initiates a routine course of legal action for recovery of the loan from the borrower marking the loan as

Dear client,
In case you are not a victim of your own fault, then you can hope for a refund of your hard-earned money. As per RBI guidelines circulated vide notification dated 06/07/2017 regarding Limiting Liability of Customers in Unauthorized Electronic Banking Transactions, a customer’s entitlement to zero liability shall arise where the unauthorized transaction occurs in the following events: 1) Contributory fraud/ negligence/ deficiency on the part of the bank (irrespective of whether or