icon Personal loan unpaid

There is a ongoing case on my personal loan unpaid with kotak bank, current status of the case says "issue awm, if steps taken" And the next hearing is in August.. Kindly suggest what will happen and


A. Dear Client,

Order 38 Rule 5 of the Civil Procedure Code (CPC) provides the court with discretionary power to issue an attachment warrant of movable property before judgment. This extraordinary power is invoked when the plaintiff can establish prima facie that their claim is genuine, and there's a risk of the defendant disposing of property to hinder judgment execution. The purpose is to ensure that, if a decree is granted, it can be satisfied. This order aims to protect the plaintiff from pot ...ReadMore

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icon Settlement of financial disputes

I have got credit card from RBL Bank with a limit of Rs. 35000. And petty loans of Rs. 75000, Rs. 45000 and Rs. 90000. I have also taken a home loan of Rs. 1600000 from HDFC. All the EMI's in a cumula


A. kindly let us know what is your monthly income and your other obligations also your current asset should be taken into consideration, otherwise your property will become a NPA and a bank will take a possession of your flat. you are require to reanalyze all your financial capabilities by which we can find the legal solution for it.

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icon Not able to pay EMI

I took 20 lac of loan from the NBFC and I have other debt as well,now the situation arrive that where my liabilities are more than my salary and due to which I couldn't repay the EMI. What could be t


A. the feasible solution on this is that we can help you out to restructure your financial liabilities once you share the details of the loan of 20 lac and accordingly a feasible solution can be given.

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icon Account Frozen By CyberCrime

How can I Unfreeze my bank account

3 Response(s)

4 months ago


A. Dear Client,
The National Cyber Crime Reporting Portal(NCCRP) is an initiative of the Government of India to facilitate victims/complainants to report cybercrime scams or complaints online and once a cyber crime scam is reported online to NCCRP, on the instruction of Cyber Crime Cell, investigating team started the routine process of investigation immediately freezing the suspected accounts of fraudsters and the victim's Bank account and you have to wait for the completion of the investigation ...ReadMore

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icon credit card- my dad died last year

my dad died last year, he had a credit card debt of 40k till now I did not pay with interest it became 45k do I have to pay his credit card debts I got a message like legal notice has been initiated a


A. As per the case & facts you have mentioned your dad died last year, he had a credit card debt of 40k till now I did not pay with interest it became 45k, just forget about the bank & the credit card. Once the person is dead No bank can recover unsecured debts, rather a very lengthy process so forget about it as it is very costly process. Also how far is it confirmed that u are getting the job in same company in govt. r u join in compensation post etc. Please clarify.....

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icon Simple mortgage loan harassment issue

I did a simple mortage of my vacant land without possession rights for 12.5 lakhs at Sriram city union finance in 2016 for a 5 year tenure at 16.5% flat ROI . I had paid 3lakhs after which I was una


A. As you are getting harassment call & as they have added many other dues with OD & penalty, take a statement copy & see all the paid EMI & the unpaid, go ahead for settlement at the earliest, take advice from CA if you have one for the Loan account as to what needs to be paid. As if settlement is NOT done early they may send a recovery notice & attachment of property, which will become more stressful. If possible even sell the property for less value & settle with the ba ...ReadMore

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icon Debt

How to avoid bank harrasment calls?? They give only one day to make the payment..


A. Dear Sir,
Remedies against harassment by Recovery Agents
February 18, 2021
Written By : Kishan Dutt Kalaskar Retired Judge
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There are numerous cases of the oppressive and illegal conduct of recovery agents attempting to recover pending dues for the banks' benefit. In the past few years there have been many such instances, to showcase an example, an 81-year-old woman was seriously threatened by recovery agents, she got 375 threatening calls concerning her child's unpaid bank dues. ...ReadMore

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icon BANK

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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icon Credit Card & Personal Loan

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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Other Responses
Ayantika Mondal @ Prime Legal

Ayantika Mondal @ Prime Legal

icon Non ability to pay my personal loan

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. ask for me thru Vidhikarya to file the case, I have filed 30 percent of insolvency cases in Bangalore this year.

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Ankur Goel @ Complete Law Shield

Ankur Goel @ Complete Law Shield

Ayantika Mondal @ Prime Legal

Ayantika Mondal @ Prime Legal