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Anonymous

Posted 8 months ago

Hello, My mother borrowed 1.5L home loan from a co-operative Bank, 10 years ago. She made irregular payments. Now the bank is asking us to pay 4L immediately otherwise they will go for eviction. Currently we are not financially stable to pay that much amount. What are my options here.

A. Dear Sir/Madam,
Please try to see the original document on which your mother borrowed the loan and its terms and conditions applicable.You will be governed by that.
The other option get in touch with the Branch Manager of the bank and explain the position and try for one time settlement.
Shanti Ranjan Behera
Advocate
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Sir, my uncle stood as a guarantor for a bank loan in nationalized bank and given security collateral for the loan. Borrower is my uncle relative. The borrower and bank manager joined together and made collusion in the loan transaction. Bank manager received bribe from borrower and given adhoc facility by 200% without any superior approval. Bank manager personally given more money. Borrower escaped few years back and account declared as NPA. Later the bank made a complaint in CBI and the bank manager was dismissed from his role. Few months back the CBI court given judgement and convicted both Manager and borrower for a years with huge amount as penalty. In this situation my uncle guarantee still valid? Many of my friends told that the Guarantor is not liable for colluded transaction.he must be discharged from the liability.. Please advise. There are so many judgement given in favour of guarantor for same scenario by different Indian courts. Please help. Thanks

A. From bank's perspective, the guarantor is treated as good as the borrower. Hence, it is the responsibility of the guarantor to clear the loan. In case the said guarantor refuses to comply with the demand made by the creditor/banker, despite having sufficient means to make payment of the dues, such guarantor would also be treated as a wilful defaulter. Refer to the notification of the RBI dated September 9, 2014 and SC judgement justices BS Chauhan and Dipak Misra 2012.
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Kishan Dutt Kalaskar Retired Judge
Kishan Dutt Kalaskar Retired Judge Experience: 33 Year(s) Bangalore
Shanti Ranjan  Behera
Shanti Ranjan Behera Experience: 22 Year(s) Bhubaneswar
Rameshwar  Dadhe
Rameshwar Dadhe Experience: 2 Year(s) Aurangabad
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Sheetal Hadale

Posted 8 months ago

I ask question but wrong understand.... My question is I gave money to one of my friend by cheque he need that time he promised to give after some month but now he is not returning my money so how can legally I can make him to return my money

A. it will be difficult to recover because as there is no written instrument. Even police won't take your complaint as FIR. But you may try your luck by filing an application under section 156(3) CrPC before the magistrate to give direction to the police to take your complaint as FIR and make an investigation.You require two witnesses in whose presence the cheque was given and the terms of its refund. If you are able to do this then there will be possibility he might refund your money. Contact a lo ...ReadMore
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Kishan Dutt Kalaskar Retired Judge
Kishan Dutt Kalaskar Retired Judge Experience: 33 Year(s) Bangalore
Rameshwar  Dadhe
Rameshwar Dadhe Experience: 2 Year(s) Aurangabad
Rameshwar  Dadhe
Rameshwar Dadhe Experience: 2 Year(s) Aurangabad
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Anonymous

Posted 8 months ago

I have given money one of person by cheque by he is not giving return to me

A. is there any written instrument (agreement) stating the terms and conditions for which it was given. If not forget about it and carry on with your work. You won't be able to recover unless he is an honest man
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Rameshwar  Dadhe
Rameshwar Dadhe Experience: 2 Year(s) Aurangabad
Shanti Ranjan  Behera
Shanti Ranjan Behera Experience: 22 Year(s) Bhubaneswar
Kishan Dutt Kalaskar Retired Judge
Kishan Dutt Kalaskar Retired Judge Experience: 33 Year(s) Bangalore
I would like to inform you that I opened the RD(recurring deposit) account with Sahara credit cooperative society in October'2013. I paid all RD premiums on time of 1000 per month. Maturity period was 60 months. So my RD matured in October'18. After maturity I discussed with Sahara branch for paid my complete maturity amount. That amount is 76400 rs. But RM of that branch is denying for payment. And he told that SEBI has banned on all payments of Sahara. So I can not give you any amount of maturity. Then I contacted with SEBI for this. But SEBI suggested me to contact with ROC(registrar of company). After I sent mail to ROC kanpur. But I did not receive any reply from ROC kanpur. I request to you please look in this matter. Please do needful . Branch name- Sahara credit cooperative society Pukhrayan Kanpur dehat

A. Dear Sir,
You may get issue a legal notice your problem will be solved if not approach Consumer Forum.

For full procedure contact me on mobile through Vidhikarya.
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Anonymous

Posted 8 months ago

Dear Sir/Madam I want to take CC Loan from a Private Bank for that require documents I have submitted to the Bank. After verification and examined those documents, Bank have issued the Sanction Letter and complete all the formalities with me. After sigh the agreement and taking the PF from me. Now they are saying facility was not disbursed due to collateral property offered was not having clear legal tittle. Suggest me what i shall do now.

A. Dear Client,
There are few options before you.You may choose one or more depends on how badly you need the money.
1. Talk to the Bank Manager, Find out the problem, sort it out.
2.If you feel that the bank concealed some information and you have been cheated you have the right to go to the court of law provided the Bank refuse to return the money you might have paid as Service Charges.
Shanti Ranjan Behera
Advocate
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Anonymous

Posted 8 months ago

Unauthorized transactions occurred in S.B. account with ATM Debit card(CARD NOT PRESENT)..Within a hour the matter was reported to the Bank.Please advise the further steps to be taken in the matter.

A. Dear Client,
Meet the Bank Officer and lodge a Complaint.Block the card for the time being.
File a FIR in the near by Police Station.
Police will scrutinize the CCTV to get the criminal.
Then, legal action will start to recover the money.
Shanti Ranjan Behera
Advocate
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Abhimanyu  Shandilya
Abhimanyu Shandilya Experience: 14 Year(s) Kolkata
Kishan Dutt Kalaskar Retired Judge
Kishan Dutt Kalaskar Retired Judge Experience: 33 Year(s) Bangalore
Rameshwar  Dadhe
Rameshwar Dadhe Experience: 2 Year(s) Aurangabad
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Anonymous

Posted 9 months ago

Dear sir I have a credit card limit of 35000 I have done minimum 3000 from 2 years From 3 months not made payment , i contacted the bank for settlement, they are not bothered about my situation they are telling me to pay pay full amount . They send recovery agents for collecting dues . Please need advice to solve this problem

A. Approach the Ombudsman or send a legal notice.
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Kishan Dutt Kalaskar Retired Judge
Kishan Dutt Kalaskar Retired Judge Experience: 33 Year(s) Bangalore
Rameshwar  Dadhe
Rameshwar Dadhe Experience: 2 Year(s) Aurangabad
Shanti Ranjan  Behera
Shanti Ranjan Behera Experience: 22 Year(s) Bhubaneswar
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Swati Wadekar

Posted 9 months ago

Husband has fd of Rs 8.30 lakh with nominee as his father. Can wife claim the money?

A. Dear Madam,
Nominee is only a trustee and is not entitled for such amount and he has to distribute the said maturity amount among the legal heirs of the said husband.

For full procedure contact me on mobile through Vidhikarya.
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Anonymous

Posted 9 months ago

My Father passed away a month ago... 10days back I have applied for death certificate.... Now I must inform to bank where my father kept FD and maintained his account ? Or I need to contact the bank after receiving the death certificate ?

A. If you go to the bank without the birth certificate they will simply freeze the account so better suggested that you go with the death certificate and then discuss the process of getting the amount transferred to your name and account.
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Kishan Dutt Kalaskar Retired Judge
Kishan Dutt Kalaskar Retired Judge Experience: 33 Year(s) Bangalore
Rameshwar  Dadhe
Rameshwar Dadhe Experience: 2 Year(s) Aurangabad
Srinivas  B
Srinivas B Experience: 2 Year(s) Hyderabad
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