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S Dharmaraj

Posted 5 months ago

I have used my credit card and my dues around 4 lakhs, including interest and all charges. I want to sort out the Issue without effecting my cibil , but bank person as given option of settle or full settle or Emi option for total dues.. But the amount of dues is actually double of Principle amount. I want to reduce the interest and other charges..is there any solution for that??
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A. speak with the bank officials. However if you don't want your CIBIL affected you should pay the full payment which can be either one time lump sum amount or emi option.
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ROBERT D ROZARIO Exp: 15 Year(s) Kolkata
Hello sir i am mukesh agrawal. I took a loan from home credit of amount 120000 on may 2017, I was continue paying my emi till august 2018, But dur some financial losses i was unable to pay my EMI , now i got a legel notice and they asked to pay full amount with interest and 100 rs notice charge within 7 days. Sir the address given to them was my relative address as home credit do not serve in my city but i dont live with my relatives now and company sending all the recovery elements even recovery agents to my relative home. Even i talked to them that i will pay my loan in some time and will pay monthly.. please help me what to do. I am very depressed.
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A. contact the bank officials to stop sending the recovery team from harassing your relatives. In the meantime contact a local lawyer from DRT from Vidhikarya to reply to their notice. Alternatively you may contact the bank manager to give you some time to repay the loan amount as you're going through a financial loss.
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ROBERT D ROZARIO Exp: 15 Year(s) Kolkata
Hi Sir/Madam, My name is Sriram from Vellore (Tamil Nadu). I got education loan for my engineering degree (2008-12) but could not able to repay entirely. I could not get a job for an year and the job wasn't paying me enough to handle my own expenses. And my mom got cancer and entire money went for that. and I paid 1.25 L and rest am paying month on month (15,000 per month). Am ready to pay 15000 every month but they filed a case against me and asking me to pay 1.5L now but I don't have any jewels or property to sell and pay them. I tried but could not get bulk money. The bank is not accepting my request. If they arrest me, my entire career and life will get spoiled. Kindly provide me suggestions that how can I handle the situation? Thanks in advance, Sriram K
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A. declare yourself as insolvent by filing an application under Insolvency and Bankruptcy Code 2016 before the DRT. Contact Vidhikarya for allotting a local DRT advocate for drafting and filing the application.
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ROBERT D ROZARIO Exp: 15 Year(s) Kolkata

Anonymous

Posted 8 months ago

Respected sir/mam, I was asked to submit my original certificates as a collateral for my job for bond period of 4 years. If I was supposed to break it I have to pay a sum of rs 1 lakh. All I want to know is will this type of bonding is valid in india or not? Note: no special training or valuable training provided by company
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A. employment bond not valid.
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ROBERT D ROZARIO Exp: 15 Year(s) Kolkata
I sir/madam, I am 31 yrs old lady living with my parents currently. I have a 1 sister n brother, and I'm the only earning person of my family. My father is pensioner with 2k pension monthly.he took a loan from 1 lady who lives nearby to our house which was around 4L when he was working for which he haven't made any legal document that he is taking this amount from this lady, and when he got retired from his job so all pension which he got from his entire service he paid entire loan amount with interest, in which only 75k was pending that time so we told her we will pay it later 1s we have some cash, but while taking loan as thr r no legal documents r made while paying her back also we haven't made any legal documents.but now that lady visits our house ever now n then standing in door only use bad words towards my family I want my money back and it's around 6L now. So give me your house if pay such amount, she also humiliate us while on road also, use bad words towards me n my family. My mom is already a heart patient my dad is above 60. I tired of her behaviour, I'm lot frustrated also. I don't know what to do, plz help me
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A. typographical error: Alternatively you can file a criminal case against her u/s 156(3) CrPC or u/s 190 CrPC
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ROBERT D ROZARIO Exp: 15 Year(s) Kolkata
I sir/madam, I am 31 yrs old lady living with my parents currently. I have a 1 sister n brother, and I'm the only earning person of my family. My father is pensioner with 2k pension monthly.he took a loan from 1 lady who lives nearby to our house which was around 4L when he was working for which he haven't made any legal document that he is taking this amount from this lady, and when he got retired from his job so all pension which he got from his entire service he paid entire loan amount with interest, in which only 75k was pending that time so we told her we will pay it later 1s we have some cash, but while taking loan as thr r no legal documents r made while paying her back also we haven't made any legal documents.but now that lady visits our house ever now n then standing in door only use bad words towards my family I want my money back and it's around 6L now. So give me your house if pay such amount, she also humiliate us while on road also, use bad words towards me n my family. My mom is already a heart patient my dad is above 60. I tired of her behaviour, I'm lot frustrated also. I don't know what to do, plz help me
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A. typographical error: Alternatively you can file a criminal case against her u/s 156(3) CrPC or u/s 190 CrPC
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ROBERT D ROZARIO Exp: 15 Year(s) Kolkata
I have personal loan of 3 lakhs and credit card due of 1.5 lakhs. Till May 18, I paid all EMI and Dues on time, but from March 18 I am jobless and unable to pay now. I like to file Individual Bankruptcy. Please let me know how to do and under which section (as of now, after amendment of 2016 of IBT).
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A. Contact Vidhikarya for allotting an advocate to file petition before DRT. Alternatively you can speak with the bank to give you some more time or may go for OTS.
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ROBERT D ROZARIO Exp: 15 Year(s) Kolkata

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