Get Realtime Updates of your Request. Download Vidhikarya App
Ask a Question - Free Legal Advice
Administrative Law
(587)
Admiralty and Maritime
(6)
Adoption
(166)
Advertising
(64)
Animal Laws
(60)
Arbitration and Mediation
(80)
Aviation
(24)
Banking
(813)
Bankruptcy and Debt
(283)
Cheque Bounce
(576)
Child Custody
(226)
Civil
(2773)
Commercial
(144)
Consumer Protection
(768)
Contracts and Agreements
(621)
Corporate and Incorporation
(153)
Criminal
(2169)
Customs, Excise
(81)
Cyber, Internet, Information Technology
(464)
Debt and Lending Agreement
(110)
Debt Collection
(257)
Divorce
(1464)
Divorce and Separation
(1597)
Documentation
(397)
Domestic Violence
(895)
Election Campaign and Political Laws
(25)
Employment and Labour
(1697)
Environment and Natural Resources
(36)
Equipment Finance and Leasing
(7)
Family
(2569)
Financial Markets and Services
(134)
Government Contracts
(62)
Human Rights
(393)
Immigration
(58)
Industrial Laws
(92)
Insurance
(117)
Intellectual Property, Copyright, Patent, Trademark
(135)
International Laws
(20)
IT Contracts
(65)
Juvenile
(36)
Landlord and Tenant
(902)
Licensing
(26)
Mail Fraud
(35)
Maternity
(90)
Media, Communication, Entertainment
(18)
Mergers and Acquisition
(25)
Military Laws
(28)
Motor Accident
(203)
Muslim Laws
(100)
Oil and Gas
(1)
Open Source Codes
(3)
Outsourcing Agreement/Laws
(8)
Partnership
(68)
Police Laws
(85)
Power of Attorney
(93)
Privacy
(119)
Property
(4018)
Real Estate
(613)
Registration
(184)
RTI
(140)
Sale
(93)
Sale of Goods
(26)
Sex Crime
(194)
Sexual Harassment
(7)
Sexual Harassment at Workplace
(107)
Software License
(4)
Sports Law
(8)
Tax
(27)
Tax-GST
(19)
Tax-Income Tax
(58)
Tax-Property Tax
(40)
Telecommunication
(13)
Torts
(34)
Transportation
(94)
Trust and Society (NGO)
(112)
Used For Testing
(2)
Will
(184)
Work Permits
(43)
The secured assest for a home loan was auctioned 6 years back by the bank in 2013. It was 2nd auction. The 1st was stayed by the order of the High Court in 2012. Later, the high court ordered the auction but in accordance with PROCEDURE ESTABLISHED BY LAW. Also, the bank said the mortgaged property measured 512 sq. yds. But the High Court ordered auction of 1/4th of 512sq.yds. only.
The 2nd auction was conducted within 8 days of public notice.
There was no valuation of property done the 2nd time. The 1st valuation was done a year before i.e. in 2012, when the property was put to auction for the 1st time.
The borrower was not allowed to bid in the auction.
The auction was not challenged in the DRT because the borrower could not afford to fight another proceeding and for that, to hire another lawyer, and decided to challenge the auction- proceedings before the High Court only.
Infact, the bank approached the DRT to recover residue amount of loan with huge interests and all the charges they incurred in the auction including hiring A WATCHMAN WHO WAS PAID 1 LAC!!
The writ is still pending and the property auctioned 6 yrs back. Can the auction still be challenged in the pending writ proceedings only where the matter as to 1/4th of 512 sq. yds. is still pending, but the property which is the subject matter of the writ is already sold? The writ proceedings have just reached the stage of "NOTICE FOR ADMISSION."
If yes, on what grounds, should they contest the writ?
Does contesting a claim of your constitutional rights mean that you have no intention to pay the debt back?
The borrower just wanted to settle for a lesser amount and that the time of paying back could be exceeded by the bank itself. When the bank didn't listen to them, they approached the court. Does this mean that they wanted to escape their liability?
Does not contesting your remedy before the statutory body and with in reasonable time mean you are not watchful of your rights and hence, the court would not listen to you?
A. Dear Sir,
You can amend the pending Writ Petition to seek necessary relief or file a new Writ petition.
For full procedure contact me on mobile through Vidhikarya.
Rate me Five Star *
Please visit the following link.
https://vidhikarya.com/LawyerRating/9506c43f5d0b2d266a07
You can amend the pending Writ Petition to seek necessary relief or file a new Writ petition.
For full procedure contact me on mobile through Vidhikarya.
Rate me Five Star *
Please visit the following link.
https://vidhikarya.com/LawyerRating/9506c43f5d0b2d266a07
Helpful
Helpful
Share
My father took a loan(cash credit)(loan against property) from a bank of around 1.15 cr. he took it on himself, myself, my brother and on my mother(loan amount is divided in 4 parts). the property is registered with the value of 1.05 cr and now since around 5 months we have not paid emi and interest as we are completely bankrupt. we spoke with bank and said you may sell the property by court proceedings and recover the amount, they said the property value as of now is around 70 lakhs(as the market is down) hence now they are blackmailing us that they will file a fraud case against us. could you please suggest how to deal with this situation? we have already shifted our home to other city now as my dad had even loans of 3-4 nbfcs on his name. how can we come out of this situation, could you please assist? as we are not in a condition to pay even a penny.
A. Dear Sir,
Common sense works here. The banker must know the value and no banker get the property with low marker value as security. Their officials will be suspended. Get issue a legal notice from office and we shall take the case against them only. You will get much more amount if sold in public auction.
For full procedure contact me on mobile through Vidhikarya.
Rate me Five Star *
Please visit the following link.
https://vidhikarya.com/LawyerRating/9506c43f5d0b2d266a07
Common sense works here. The banker must know the value and no banker get the property with low marker value as security. Their officials will be suspended. Get issue a legal notice from office and we shall take the case against them only. You will get much more amount if sold in public auction.
For full procedure contact me on mobile through Vidhikarya.
Rate me Five Star *
Please visit the following link.
https://vidhikarya.com/LawyerRating/9506c43f5d0b2d266a07
Helpful
Helpful
Share
I got a court notice from district court Nagpur for recovery of 291000 dues of sbi credit card. I am almost bankrupt with no movable or immovable property to dispose and settle the issue. Kindly advice what to do.
A. File and insolvency suit.
Helpful
Helpful
Share
I took personal and business loans from 10 financial institutions and two credit cards. I also took money from other persons. I was unable to pay emi's and credit card bills from six months and paid four months but recently two months emi's are pending. The recovery agents are harassing for money. My business is closed on November due to loss. Daily receiving nearly 50 calls and recovery agents are coming to my home and harassing. Its like a mental torture.
What can i do now?
A. ICCI Bank Limited vs. Prakash Kaur case,
The Supreme Court in a landmark judgement reiterated its earlier stand that banks cannot deploy musclemen for recovery of loans from defaulters thus forcing them to end their lives.
"We deem it appropriate to remind the banks and other financial institutions that we live in a civilised country and are governed by the rule of law," a bench comprising Justices Tarun Chatterjee and Dalveer Bhandari said.
The court while dismissing the ICICI Ban ...ReadMore
The Supreme Court in a landmark judgement reiterated its earlier stand that banks cannot deploy musclemen for recovery of loans from defaulters thus forcing them to end their lives.
"We deem it appropriate to remind the banks and other financial institutions that we live in a civilised country and are governed by the rule of law," a bench comprising Justices Tarun Chatterjee and Dalveer Bhandari said.
The court while dismissing the ICICI Ban ...ReadMore
Helpful
Helpful
Share
Dear Sir,
I have some unsettled credit card debts in the UAE and I am currently in India.Since I have to travel out of India to SIngapore, Is there any way to check if there is a travel ban imposed on me by the UAE.
Can a lawyer assist with checking with the relevant authorities?
A. U should send legal notice through lawyer before it
Helpful
Helpful
Share
Hello Sir,
I had quit my job 2 years ago as I had to take care of my new born.. since 2 years I managed to pay my debt every month.. now it's impossible to clear my debt.. I have been unable to pay for last 4 months.. I would now like to file for bankruptcy to get rid of constant hounding from banks. I want to start a fresh. Please advise
A. http://lawgyaan.in/faq-insolvency-bankruptcy-code-2016-ibc/
FAQ on Insolvency and Bankruptcy Code, 2016 (IBC)
FAQ on Insolvency and Bankruptcy Code, 2016 (IBC)
The motive behind these Frequently Asked Questions is to address the basic queries of the stakeholder (Companies, Individuals, Partnership Firms, CEO, MD, Directors, professionals, students) on the Insolvency and Bankruptcy Code, 2016.
Evolution, purpose of IBC and Authorities involved:
1. What is Insolvency and Bankruptcy Code, 2016? Wh ...ReadMore
FAQ on Insolvency and Bankruptcy Code, 2016 (IBC)
FAQ on Insolvency and Bankruptcy Code, 2016 (IBC)
The motive behind these Frequently Asked Questions is to address the basic queries of the stakeholder (Companies, Individuals, Partnership Firms, CEO, MD, Directors, professionals, students) on the Insolvency and Bankruptcy Code, 2016.
Evolution, purpose of IBC and Authorities involved:
1. What is Insolvency and Bankruptcy Code, 2016? Wh ...ReadMore
Helpful
Helpful
Share
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??
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.
Helpful
Helpful
Share
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.
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.
Helpful
Helpful
Share
Dear Sir, I have multiple personal loans from various banks around 4.5 lakhs & credit cards over due around 1.5 lakhs. Due to some financial issues I didn't pay the dues from last 5 months. All EMI'S will be auto debited every month in the first week. Now my salary account went into minus rs.50000/-. I need a stay order & willing to send the legal notice for money lendors. Kindly suggest me the best solution to resolve the issue.
A. Dear Sir,
You may get issue a legal notice asking the bank to wait for some more time otherwise ask them to file a civil suit where you will get time by way of installments.
For full procedure contact me on mobile through Vidhikarya.
You may get issue a legal notice asking the bank to wait for some more time otherwise ask them to file a civil suit where you will get time by way of installments.
For full procedure contact me on mobile through Vidhikarya.
Helpful
Helpful
Share
Dear sir, I am a salaried employee in a private organization. I have multiple personal loan debts from various banks & credit card over dues from last 4 months. My financial position is very bad & I can't clear the dues for a long time.
Kindly suggest me about legal notice to get relaxation from recovery agents harassment.
A. Dear Mr. Chandra Sekhar,
This is not the right cause to serve Legal Notice.
Best option for you would be to meet the Branch Manager of the Bank concerned and ask for additional time and refund the money as per the calculation and well in advance of time.
That would really save you from a lot of crisis.
Shanti Ranjan Behera
Advocate
This is not the right cause to serve Legal Notice.
Best option for you would be to meet the Branch Manager of the Bank concerned and ask for additional time and refund the money as per the calculation and well in advance of time.
That would really save you from a lot of crisis.
Shanti Ranjan Behera
Advocate
Helpful
Helpful
Share
Top Responding Lawyers
Need a Quick Legal Advice NOW?
Don’t want to wait! Call at the toll free
number and get a call from an expert Lawyer
within an hour!
7604047601
Most Viewed Questions
- IS BC-C caste certificate valid in case of converted Christians from castes other than Scheduled castes?
- Land dispute under section 144
- Complaint Against Money Lender
- sec - 354, 427, 506
- Original property documents lost by the bank
- Cancellation of Pattadar Pass book
- Supporting Documents for Permission for Delayed Registration of Birth
- CHANGE OF NAME IN HOUSING SOCIETY SHARE CERTIFICATE
- SCN from Customs for Online Order of Adult Toy
- Service matter
Categories
Administrative Law
(587)
Admiralty and Mariti...
(6)
Adoption
(166)
Advertising
(64)
Animal Laws
(60)
Arbitration and Medi...
(80)
Aviation
(24)
Banking
(813)
Bankruptcy and Debt
(283)
Cheque Bounce
(576)
Child Custody
(226)
Civil
(2773)
Commercial
(144)
Consumer Protection
(768)
Contracts and Agreem...
(621)
Corporate and Incorp...
(153)
Criminal
(2169)
Customs, Excise
(81)
Cyber, Internet, Inf...
(464)
Debt and Lending Agr...
(110)
Debt Collection
(257)
Divorce
(1464)
Divorce and Separati...
(1597)
Documentation
(397)
Domestic Violence
(895)
Election Campaign an...
(25)
Employment and Labou...
(1697)
Environment and Natu...
(36)
Equipment Finance an...
(7)
Family
(2569)
Financial Markets an...
(134)
Government Contracts
(62)
Human Rights
(393)
Immigration
(58)
Industrial Laws
(92)
Insurance
(117)
Intellectual Propert...
(135)
International Laws
(20)
IT Contracts
(65)
Juvenile
(36)
Landlord and Tenant
(902)
Licensing
(26)
Mail Fraud
(35)
Maternity
(90)
Media, Communication...
(18)
Mergers and Acquisit...
(25)
Military Laws
(28)
Motor Accident
(203)
Muslim Laws
(100)
Oil and Gas
(1)
Open Source Codes
(3)
Outsourcing Agreemen...
(8)
Partnership
(68)
Police Laws
(85)
Power of Attorney
(93)
Privacy
(119)
Property
(4018)
Real Estate
(613)
Registration
(184)
RTI
(140)
Sale
(93)
Sale of Goods
(26)
Sex Crime
(194)
Sexual Harassment
(7)
Sexual Harassment at...
(107)
Software License
(4)
Sports Law
(8)
Tax
(27)
Tax-GST
(19)
Tax-Income Tax
(58)
Tax-Property Tax
(40)
Telecommunication
(13)
Torts
(34)
Transportation
(94)
Trust and Society (N...
(112)
Used For Testing
(2)
Will
(184)
Work Permits
(43)
Consult Advocate {{lawyerName}}
Choose an Option to Proceed
Post it FREE
✔ Your question will posted in the open forum where everyone can view your question
✔ Lawyers will respond to the queries online
✔ Answers given by the Lawyers will be in the open forum and will be visible to all
✔ Lawyers will respond to the queries online
✔ Answers given by the Lawyers will be in the open forum and will be visible to all
Post Privately : Get Legal Advice by multiple Expert Advocates by paying
just @ Rs. {{PostPrivately}}
✔ Your question will seen by only our registered Lawyers
✔ Replies by Lawyers will be visible Only to you
✔ You get 2 replies FREE with each Lawyer who answers your question
✔ Replies by Lawyers will be visible Only to you
✔ You get 2 replies FREE with each Lawyer who answers your question
Get all responses in your personal mailbox as well by just adding Rs 50
Please select how would you like to Consult
| Type of Consultation | Fees | |
|---|---|---|
| Phone Consultation | ₹ | |
| Meeting Consultation | ₹ | |
| Email Consultation | ₹ | |
| Video Conference | ₹ | |
| Request for quotation from the Lawyer. | ||
Review and Confirm
| Consultation Request for Advocate {{lawyerName}} | |
| Consultation Type : Meeting Consultation | |
| Charges : | ₹ | 118 | (with 18% GST) |
Successful
Your Request has been registered. We will get back to you soon.
Submit Your Query
Successful
Your Transaction is Completed
Payment Failed
Your Transaction is Failed
Payment Successful!
Successful!
Your question is posted successfully. You will get your responses soon. You will be notified by mail and sms once Lawyer responds.
THANK YOU!
For any query drop a mail at [email protected] or call at 7604047601
THANK YOU!
For any query drop a mail at [email protected] or call at 7604047601
Your question is posted successfully on the open forum. You will get your responses soon. You will be notified by mail and sms once Lawyer responds.
THANK YOU!
For any query drop a mail at [email protected] or call at 7604047601
THANK YOU!
For any query drop a mail at [email protected] or call at 7604047601
Sorry!
Sorry, You are not the registered Lawyer of Vidhikarya.You have to signup as a lawyer to respond the Question.
Failure
Failed to post your question
Review and Confirm
Post Privately :
Rs. {{PostPrivately}}.00
Answer in Mail :
Rs. {{MailNotification}}.00
GST(18%) :
Rs. {{GSTAmount}}.00
Total
: Rs. {{TotalAmount}}.00
Post Your Question
Question Title is required
Title should be with in 80 characters
~ and ` characters are not allowed
Question should be with in 4,294,967,295 characters
Question is required
~ and ` characters are not allowed
Category is required
Email is required
Invalid Email
State is required
City is required
Symbols are not allowed (Excluding #)
# Symbols is required
How Paid Answers Work
❶ Client Posts a Question by paying some amount
❷ All Paid Answers will be shown in N-Indicator (Open to Answer)
❸ You can reply and respond to the question
❹ Answer will be Approved by Admin based on content and on first come first serve basis.
❺ If answer is Approved then you will get your share. Status will be A-Indicator (Approved).
❻ If there are many Answers Posted then your Answer may get approved with a Lock. That means Client can view your response only if Client Unlocks by Paying Extra Amount. Status will be AL-Indicator ( Approved and Locked).
❼ If there are many Answers Posted you will Waitlisting tag. Waitlisting Answers may get Approved with a Lock or may not get Approved. It will be decision made by the Admin.
❽ Your share will depened on the number of Answers received and weightage given to your answer based on promtness and content.
➒ All amount will be accumulated and will be shared once in a month.
❷ All Paid Answers will be shown in N-Indicator (Open to Answer)
❸ You can reply and respond to the question
❹ Answer will be Approved by Admin based on content and on first come first serve basis.
❺ If answer is Approved then you will get your share. Status will be A-Indicator (Approved).
❻ If there are many Answers Posted then your Answer may get approved with a Lock. That means Client can view your response only if Client Unlocks by Paying Extra Amount. Status will be AL-Indicator ( Approved and Locked).
❼ If there are many Answers Posted you will Waitlisting tag. Waitlisting Answers may get Approved with a Lock or may not get Approved. It will be decision made by the Admin.
❽ Your share will depened on the number of Answers received and weightage given to your answer based on promtness and content.
➒ All amount will be accumulated and will be shared once in a month.
Paid Indicators
Login
Log In Failed ! Wrong email or password
OTP Login failed! This Email id is not registered.
ⓘ OTP will be sent to your Phone Number linked with the registered Email ID.
Login with OTP
An OTP has been sent to your mobile {{hiddenPhoneNumber}}.
{{ otpVerifyError }}
You can Resend OTP after 10 Seconds
Enter Password/ OTP
You are a registered member. Please provide your password or Login with OTP.
Login with OTP
An OTP has been sent to your mobile {{hiddenPhoneNumber}}.
An OTP has been sent to your email Id.
{{ otpVerifyError }}
You can Resend OTP after 10 Seconds
You are a new user, please validate for security reasons
Please Do not Close this browser, and provide the following required details -
{{ emailErrorMessage }}
Verify OTP
If you haven't received any OTP, please click the Resend button below. You can change your registered mobile number by clicking on the Edit icon.
Error
Confirm
Are you sure you want to request for this Advocate's number ?
Successful
Your Request has been registered. We will get back to you soon.
