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tarun singh

Posted 11 months ago

I have taken a car loan of amount 3 lac in the year 2015 November, i was continuously giving late emi in the year 2017 but i was paying emi within the month, during November 2017 i was having 2 emi bounced, unpaid, so company manager came to me and advised me to surrender your car with a reason that u have taken loan for somebody else on my name and he is now unable to pay the emi so i am surrendering my vehicle, and as per his advice i surrendered the vehicle to the company. and that manager told me that he will take care of everything nothings gonna happen. i was receiving letter from company about auctioning the vehicle and i informed each and every letter to that guy, but in April 2018 they sent me legal notice that car is been auctioned in 1.5 lacs and an amount of 74626 is pending due on you kindly submit this amount within 7 days or company will file a legal case on me. after that i went directly to companies office to ask that manager abut his next plan, but i came to know that he left the company 2 months back. i talked to the lawyer of the company there he told me to submit 25000 per month and complete the payment within 3 months, but i am unable to pay such amount i told him that i can pay 10000 per month to clear pending dues. but he ignored. i want to know should i send a letter directly to head office legal lawyer from where i am receiving these letters for asking them why they have charged me 15000 for repossession if i have surrendered my vehicle by myself ? or is there any way to get rid of it ? please help me out. i will be very thankful.
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A. Dear Sir, A reply to a Legal Notice has to be sent vide Legal Notice itself. In order to advice you, I need to know the complete details like the amount of loan taken, amount repaid by you and amount left after the car got auctioned. Please share details for an advice.
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Vedant Lakhotia Exp: 3 Year(s) Kolkata
My ancestoral property in which acc. To will of my grand father i hold half the share and my sister holds 1/4th and my father holds 1/4 th share was pledged in bank for loan without my notice, by my father when me and my sister were minors, now the cc limit has become NPA and bank is trying to get possession of my and my sister's property which my father had taken loan on without bringing to our notice i was 14 then and am now 20 and have applied for stay in court , what is the possible outcome of this case ?
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A. Dear Sir, If a person is minor, then the custody of his property is given to his natural guardian whic in your case is your father. If, you read the WILL thorughly then the above shall be written there. You need to share across the documents like loan agreement copy, WILL for a review. Post the review the Legal provisions will be compared with the facts of the case and an advice can be given to you. You may use the "Consult" buttonfor further advice in this reagrd.
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Vedant Lakhotia Exp: 3 Year(s) Kolkata

Anonymous

Posted 11 months ago

Hello Team, Ive taken personal loan on salary basis (unsecured) from bank. Currently Im not working and looking for Job and unable to repay the debt. Is it possible to file a bankruptcy. My main account is in negative and I do not own any asset. My parent own house. If I file bankruptcy will it affect my parents as I'm not stayong with them anymore. Hope to get the clarification as my parents getting harrased by third party collection.
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A. Dear Sir, You can file for bankruptcy. If you are the only heir then ask your parents to disown you and pass this information to bank. After receiving this information also if bank's personnel disturb your parents, then lodge an FIR against them.
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Vedant Lakhotia Exp: 3 Year(s) Kolkata
Sir,I have a question, I am married since 20yrs ,but myself and my husband are separated since more 16yrs put up for divorce on court now only ,I was scared my children have advorse effect ,so waited for this many years , sir ,he is a business man,but loser ,lost all money, and taken loan from bank in high amount , making me also co-applicant ,now I am in crucial situation ,I can't rare children also properly he don't look after children since beginning ,they r with me ,I have a govt job , but not able fulfill any thing ,I don't get any loan because he is default er, and now bank have decided to capture the property and filed acase in court , since 5yrs ,this is continuing ,how I can withdraw myself from all these , neither the divorce case is moving ,nor the property is auctioned ,l PL guide me,what to do
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A. How much time has elapsed since you have filed divorce case? Kindly consult for a proper advice as your matter needs lot of attention.
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Vedant Lakhotia Exp: 3 Year(s) Kolkata
Hi My family has been bankrupt for quite some time now. We have been living in a big property which we thought would be a more convenient source of income if we rent it out, and rent in an apartment for half its price. Is this risky? Will the creditors take our original property while we are not living in it but are still dependent on it for income? What should we do, please advice?
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A. Hi! In Legal sense if any one wants i.e. your creditors want to sell of your property in order to recover their dues then they have to take Legal Help. If any other mode is adopted by them then it will be illegal in nature irrespective of the fact that who resides in the property. By renting the property you are not in any ways transferring the title or ownership to that said property, the property remains yours. You may proceed ahead by renting the entire property. You may consult for Legal issues or queries.
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Vedant Lakhotia Exp: 3 Year(s) Kolkata

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