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A demand notice under 13(2) was issued for our loan account in February,2019. We cleared all the due and regularised the account. However, it is about to turn NPA again. I wanted to know whether there...

A. Hi,
The borrower's account is listed as NPA if payment is not made and the accounts are not regularised within 90 days of the date of default, according to RBI law. But, in this case, if the loan is already settled and the account is regularized then your account should not be classified as NPA. If the bank is classifying your account as NPA in an unfair manner you should send a legal notice.


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Ayantika Mondal @ Prime Legal
Ayantika Mondal @ Prime Legal Experience: 12 Year(s) Bangalore
Kishan Dutt Kalaskar Retired Judge
Kishan Dutt Kalaskar Retired Judge Experience: 35 Year(s) Bangalore
Pardeep Kumar Dhiman  Dhiman
Pardeep Kumar Dhiman Dhiman Experience: 22 Year(s) Saharanpur
I, Gaurav Mashalkar write this on behalf of my father Prakash Mashalkar who is a senior citizen . We are from Aurangabad, Maharashtra and we had deposited our money in fixed deposit in Bhaichand Hirac...

A. Dear Sir,
please approach High Court.
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KEMBAIYAN SARAVANAKUMAR

Posted 1 week ago

From, K.Saravanakumar, No.1, Lakshmanan Street, K.K.Pudur, Saibaba 15, Safdurjung Road, New Delhi. Sub:- Physical Possession Order issued on 19.12.2019. Respected Madam, I am SARAVANAKUMA...

A. Hi,
The case related to debt recovery and reserve price of auction sale can be filled in Debt Recovery Tribunal or High Court of competent jurisdiction. The sale cannot be made below the reserve price value.
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I'm not able to pay taken loans and Loan agents torturing me like anything. Suggest what i need to do here.

A. legal remedy depends on type of loan and from where it was taken.
they can not torture you until you took loan from private people.
you can ask help from police.
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Hi, I am Dharma, a software developer & budding filmmaker. I am writing to you to seek help in exposing an act of fraud, but those people trying to defraud that act in eyes of law. Bokkasam Somanath...

A. you invested in saree business or chit ?
the ownership earlier was whom and now its transferred ?
When it was transferred ?
There can be case of cheating and fraud depending on answer.
you can challenge IP by making them party or by making complaint.
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Ayantika Mondal @ Prime Legal
Ayantika Mondal @ Prime Legal Experience: 12 Year(s) Bangalore
Advocate  Anik
Advocate Anik Experience: 11 Year(s) Bangalore
Ayantika Mondal @ Prime Legal
Ayantika Mondal @ Prime Legal Experience: 12 Year(s) Bangalore
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Anonymous

Posted 1 month ago

MY FATHER TOOK A CC LIMIT LOAN NAMED A FIRM , WHICH PROPRIETOR MY MOTHER SO MY FATHER TAKE A LOAN AS MY MOTHER NAME WHICH A CC LOAN AGAINST GOOD , MY FATHER MANAGE THAT BUSINESS 3 YEAR AGO MY FATHER D...

A. What security was provided for the CC limit. If was just the stock in trade then you can relax as bank will not take away your property but if any extra security like property was provided or personal guarantee of your mother was taken then bank might go for SARFAESI and file case in DRT for recovery.
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ANISH  PALKAR
ANISH PALKAR Experience: 14 Year(s) Mumbai suburban
Adv. Sarika  Khude
Adv. Sarika Khude Experience: 7 Year(s) Pune
Advocate  Anik
Advocate Anik Experience: 11 Year(s) Bangalore
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Tankadhar Bisoi

Posted 1 month ago

Since Covid19 i am job less.I am 57 years old.My last salary drawn was Rs.1,00,000/- per month.During covid my both father & mother expired due to kidney failure & brain hemorrhage.I spent most of my...

A. 1) As you was the regular payer of Bank loan/ credit card there is nothing much to worry as the covid-19 situation is NOT been deliberately bought by you, but it is due to the situations beyond your control.. & a national Disasters .
2) Using of any abusive language with your wife/ family members is very much illegal as the card is not in her name request you to record all the calls immediately along with the Caller name, time and date and save it into a pen drive forward it to us
3) All this h ...ReadMore
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Ayantika Mondal @ Prime Legal
Ayantika Mondal @ Prime Legal Experience: 12 Year(s) Bangalore
Advocate  Anik
Advocate Anik Experience: 11 Year(s) Bangalore
Dear Sir/Madam, I am not not able to pay my personal loans taken from 4 banks (Rs.26 lac). As I lost my job in Jan 2020. Since April 2020 I am not able to pay my EMIs. I do not have any money / assets...

A. Yes, you can declare urself insolvency. 1) As you was the regular payer of Bank loan/ credit card there is nothing much to worry as the covid-19 situation is NOT been deliberately bought by you, but it is due to the situations beyond your control.. & a national Disasters .
2) Using of any abusive language with your wife/ family members is very much illegal as the card is not in her name request you to record all the calls immediately along with the Caller name, time and date and save it into a ...ReadMore
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Ankur Goel @ Complete Law Shield
Ankur Goel @ Complete Law Shield Experience: 6 Year(s) Bangalore
Ayantika Mondal @ Prime Legal
Ayantika Mondal @ Prime Legal Experience: 12 Year(s) Bangalore
Advocate  Anik
Advocate Anik Experience: 11 Year(s) Bangalore
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AJAY SHARMA

Posted 1 month ago

MY FATHER TOOK A CC LIMIT LOAN NAMED A FIRM , WHICH PROPRIETOR MY MOTHER SO MY FATHER TAKE A LOAN AS MY MOTHER NAME WHICH A CC LOAN AGAINST GOOD , MY FATHER MANAGE THAT BUSINESS 3 YEAR AGO MY FATHER D...

A. The CC limit is given by bank on the basis of business performance as your family/mother cannot run the business so the Cash Credit facility will be closed by the bank & the balance amount will be recovered by selling off the business assets. If ur current business is NOT working shift it to something else, otherwise u will go into more losses.

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Advocate  Anik
Advocate Anik Experience: 11 Year(s) Bangalore
Ayantika Mondal @ Prime Legal
Ayantika Mondal @ Prime Legal Experience: 12 Year(s) Bangalore
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Anonymous

Posted 2 months ago

Sir ,we have a house loan of 30lakhs .tenure period15 years.my mother and father were the nominees.un expectedly my mother has died 2 years ago due to internal diseases.and it lead my father into depr...

A. Most of the house loan of 30lakhs tenure period 15 years is covered by INSURANCE/ INSURED LOAN & so the dependents don't have to pay the loan. Which is the bank. Please update... there is a way out...

If you realize my professional skills, the time & efforts put in by me needs to be truly appreciated, and then Please “CLICK MY LIKES/ THUMBS UP/GIFT” button shown below this reply format & also CLICK/ WRITE a “REVIEW” in 5 star as I have answered your query in detail. Hope this informatio ...ReadMore
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J S  Pawar
J S Pawar Experience: 5 Year(s) Mumbai
Advocate  Anik
Advocate Anik Experience: 11 Year(s) Bangalore
Ayantika Mondal @ Prime Legal
Ayantika Mondal @ Prime Legal Experience: 12 Year(s) Bangalore

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