Cyber complaint
Cyber complaint
My bank account was freezed by cyber cell of Gujarat ...i live in Bangalore ...n I got a acknowledge number n i spoke to victim to unfreeze my bank account ...he told I lost The amt when that is amr
3 months ago
A. Dear Client,
After reporting a fraudulent transaction to the Cyber Crime Cell, the victim's bank, under the Cyber Cell's instructions, freezes both the victim's account and the suspected accounts linked to the scam. These accounts remain inactive until the investigating agency completes its inquiry and submits the final report. The duration of the investigation varies based on the case's complexity, available resources, and the victim's cooperation. Seeking advice from a cybercrime expert or a l ...ReadMore
Procedure to stop take poession of flat from bank
In 2018 we took home loan in me & my husband name as co borrower & we paid emi till 2020 after covid business was not going well & 2 months ago husband was expired & yesterday poession notice came so
3 months ago
A. Dear Client,
Firstly, contact your bank immediately and explain the circumstances. Some banks offer insurance coverage for the outstanding loan amount in case of the borrower's demise. Additionally, inquire about any relief or restructuring programs the bank may have due to the COVID-19 situation.
Consult with a lawyer to understand your legal options and potential courses of action. Depending on the circumstances, you may explore the possibility of transferring the loan to your name solely, see ...ReadMore
Loan related
Hello.my question hai one of my frnd took emi loan in my name to treat his mother during cancer and he promised me to pay all the money but somehow he managed to pay only the lumsum amount and afterw
3 months ago
A. Dear Client,
If your friend borrowed money using your name and hasn't repaid the loan despite promises to do so, you can take several actions to recover your money. Start by documenting all the evidence you have, including call records, messages, and any written agreements or acknowledgments.
1.Communication:Send your friend a formal written communication, reminding him of the outstanding debt and requesting repayment. Clearly mention the amount owed, the terms of repayment, and a reasonable dea ...ReadMore
Can an unemployed person apply for insolvent and bankrupt
I was working until last year. Due to a severe health issue, I cannot join any job. I have taken loans of around 13+ lakhs and 1.3 credit cards. I have not paid EMI for the last 1 year. I get constant
3 months ago
A. Dear Client,
If you are facing financial distress and are unable to repay your loans due to health issues, you may consider filing for insolvency under the Insolvency and Bankruptcy Code (IBC) in India. The process involves declaring yourself bankrupt and seeking resolution for your financial obligations through the National Company Law Tribunal (NCLT). Filing for insolvency can provide relief from creditor harassment and give you an opportunity for a fresh start.
Once you obtain an insolvency c ...ReadMore
A. Dear Client,
Senior Citizens are the soft target of cheaters/fraudsters who took advantage of their deficiencies and disabilities arising out of degenerative issues. So, once cheating or fraud happens with a Sr. Citizen, a complaint should be lodged at the local police station. Few State Govt has opened Sr. Citizen's Cell in the police station and other places to address the crimes related to Sr. Citizens. An Elder Help Line (No.14567) is launched by the Ministry of Social Justice and Empowermen ...ReadMore
Recovery agents harrassment was not accepted by the loan company
I took a loan from an NBFC. I could not able to pay my loan for couple of months. For that they harrassed me like anything. Their recovery agents called me, my friends, my relatives for my payment and
4 months ago
A. Dear Client,
The RBI has given guidelines for fair recovery practices which focus on making the recovery process fair and not oppressive towards borrowers. Based on the guidelines the recovery officers can not resort to coercion or use of force in the recovery process.
For the harassment you went through there are multiple sections of the Indian Penal Code that can be used to start criminal proceedings against the recovery officers. Section 506 (Concerning Criminal Intimidation), allows the d ...ReadMore
Debt settlement
Hi can we have debt settlement services for ongoing debts
4 months ago
A. Dear Client,
Yes, you can. But for that you will have to share all the details with our team of lawyers who should be assessing the loans and the outstanding debt post that they will assist you in getting this settled with the bank
Repayment of Loan amount
Hello Sir, This is Naveen from Hyderabad. I have an unpaid personal loan of 330000 from Bajaj, where I have paid an interest of 4900 every month for 2 years. I lost my job in pandemic and I was not in
4 months ago
A. Dear Client,
Lenders are not legally obliged to settle a debt lowering your outstanding debt, but because they want to protect their bottom line, they may agree to a debt settlement to avoid further financial loss. You can try to negotiate a debt settlement on your own if your pocket permits to repay the entire outstanding at a time for a one-time settlement of dues, but sometimes it's typically done through third parties like debt relief companies, which you may hire to negotiate the settlemen ...ReadMore
online loan apps
hello sir, my friend had borrowed loan from one of the online registered loan apps , and he couldn't pay it on time for which they charged high interest and in order to repay that he kept borrowing lo
5 months ago
A. Dear Client
If your friend is being harassed by lenders, they should inform the lenders in writing to stop contacting them. Many countries have laws that regulate debt collection practices, and lenders are often prohibited from using abusive or threatening language. Your friend may file a complaint with the appropriate regulatory authority or consumer protection agency if they believe the lenders are engaging in unfair practices or if the loan terms are predatory
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
