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Is there any time limit for appealing in the higher court for the case dismissed in the lower court ? Thanks.

A. Dear sir, it is 90 days for appealing in high court againstany defeated suit in lower court. .For details,pl. contact some advocate through vidhikarya.com

Sir, I had invested some money for purchase of 5 kothas of plots in Siliguri as advertised by Vibjyor Co (Moon Tree) in the year 2013 which turned out to be a chit fund co. I then filed a complaint application in the consumer court through some lawyer at Kolkata lower court who did not take enough interest and got dismissed on frivolous ground recently. Please advise whether any relief can be expected from higher court given the fact that West Bengal is mired in biggest chit fund case in the country on which CBI is unable to come with conclusive investigation reports so far.Thanks.

A. Dear sir u need to approach to the high court immediately

I paid amount of 3402 to kpn travels through paytm. Amount was deducted from my account but merchant is saying not received. I spoke to paytm, they are saying we paid to merchant. Now what to do ? To whom should I file case and how.. please guide and help any one.

A. Dear Sir You get issue a legal notice and approach Consumer Forum

I have been injured by a trainer at a prominent gym/fitness startup in India two months ago. The company and it's cofounder have been moving me in a never ending circle when it comes to compensation. My jaw was fractured at two separate positions when I was hit with immense force by the football which the trainer hit. I required surgery.They lied to me that they fired the trainer when I was visited by an employee at the hospital. Is there anything I can do?

A. You can send them a legal notice initially.

I was solicited by Mr Vineeth of **** Securities to be a sub-broker with their firm. The charges he informed me was 299 for demat account, equity registration 4720, and mcx 1180. I made the payment of 299 on 14th September and 4720+1180 on 24th September. I also sent supporting documents to their firm by speed post which Vineeth said they have not received. However the postal department said that it was accepted by them. As of now it is more than a month and I do not have the demat account, they have said that they have missed Rs 1180 payment in their system. Vineeth is now out the company and I have not been getting clear updates. I would need a refund as they come across as severely incompetent. I am from Kerala and the office is Bangalore. Can this be termed as an online fraud.

A. Get issue legal notice to both of them.

In a Consumer Forum can I file an application for quick disposal of case? In the meantime Can I submit decided case laws for quick resolution of my case... My case is pending over for 1 years..

A. pl. follow the advice of my learned advocates. For details pl. contact some advocate through vidhikarya.com

A team of personnel including Mr.Lawrence (Contact No.8489748347) and Mr.Karthi (Contact No.9382290318) of Vellore District approached me, saying that HDFC offers personal loans at my door step, at a very low interest rate. Through them, I have taken a personal loan of Rs.7, 00,000 (Seven Lakhs only) in September 2017 from HDFC with loan no.50966904. I paid the EMI promptly through ECS and due to my honest repayment when I asked for a top-up loan for Rs.12,00,000 (Twelve lakhs only) they gave through loan no.53781356 in January 2018. The repayment is going on till now through ECS (No dispute with this loan or its repayment). In September 2017, when they sanctioned the loan (50966904), they have sent me credit card in October 2017. I thought that the usage of HDFC credit card may be a mandatory for loan borrowers of HDFC. But when I enquired the matter to Mr.Lawrence (responsible for my loan processing), he said that he had not given any option for issuing a credit card on taking a HDFC loan at the time of applying. Hence, I kept quiet. When I found my cell phone has been recharged by an unknown, I doubted with credit card activation. So, I informed immediately to the Loan processor (Mr.Lawrence). He commented that an unemployed youth wing purposely works on this and irritates every HDFC loan customer by means of Credit card. He requested to calm down in this regard, when I rose to the occasion. Bearing all the inconveniences given by HDFC, I do not give any chance for accepting or operating any credit card. But, in a fraudulent manner, they have done a top-up to my cell phone for five months, on which I have no control to stop them. It is obvious that anyone can top-up any mobile number. I informed Mr.Lawrence whenever I get a credit loan statement. So, I am continuously harassed by the HDFC credit card division in Chennai. It has become a habitual talk for the collection centre at Chennai to show their supremacy over me, when I started to argue with them for payment of the credit card that is UNOPENED and UNUSED. Many a time, I had sarcastic/bad comments from them and my health suffered a lot on hearing the words from them. They will not allow me to express my feeling or to find a solution to my problem. They insisted me only to pay the amount for the credit card. I wanted to quote all the phone numbers that had emotionally disturbed and threatened to block loans through CIBIL score. They are: 044-66920578, 044-66458500, 044-66818739, 044-66818957, 9884563978, 7639542195 etc., When I said that I have not opened the cover even to pay the debt, they have not recognized my request. They added fuel to the issue leading to more emotional harassment, in turn, loss of physical and mental health. Because of their continuous annoyance, I took more medical leave also. This is true with my school records also. They totally threatened me that they would recommend CIBIL to reduce my score. In addition to the above, I applied for another personal loan in HDFC with Loan No.61272138 on 25/09/2018. But, when I am unable to get the amount, I doubted HDFC and verified CIBIL score. Then I came to understand that the credit card that they sent to me had made a wrong remark on my loan repayment history in the CIBIL score. Shocked with the situation, I tried Mr.Lawrence to know further. But my trials ended in vain. I am completely upset with the CIBIL report. So, I convinced myself and paid Rs.3945/- (Three thousand Nine Hundred Forty Five only) thorough net banking to HDFC Credit Card Division. From November 2017, HDFC is continuously sending SMS/E-mails and Phone calls that I have to pay a huge amount towards the credit card which I NEVER OPENED OR USED. It is to be noted that I can easily top-up my cell phone during my leisure time. But I have been forced to take half-a-day leave from my duty to travel 60 kilometers (to and fro) to repay Rs.100 to a nearly HDFC bank branch. WHEN I DID NOT ASK WHY DO THEY SEND WITHOUT MY CONSENT? WHEN I DID NOT OPEN MY CARD, HOW DO I KNOW THE NUMBER TO REPAY? WHEN I DID NOT USE WHY SHOULD I PAY? I tried the same with and got it and then paid Rs.3945/- through net banking. Now, to the maximum extreme, the bank, through the above said loan team at Katpadi (Vellore), is harassing me by means of SMS, E-mail, phone calls at all times. They threatened me and spoiled my CIBIL score as a failed borrower. They added that they would block me in getting loans from any other banks in future. (It is happening now). They are doing in such a way that I can’t do my duty peacefully. They enforce a continuous and a collective harassment to my physical and mental health. Where persons like me shall would find solution to lead a harmless life? Because of HDFC, I have been certified as a failed borrower by CIBIL. I cannot get any banking support further. Hence, I need a compensation recovery for my emotional and physical hazards created by HDFC.

A. You can approach the Banking Ombudsman.

Respected sir, Namaskar. Please help me to file a case and go further till justice delivery. I had taken admission for considering it to be a Part time PhD course but recently I found out that the office bearers have submitted my data as Full-Time candidate. Immediately I applied for the withdrawal of my candidature and got the migration certificate. My whole effort, money and time is wasted. Now I desire to file a case against these for fraudulent act and compensation. Please find attached the copy of the document send to UGC and my experience with university. Please guide and help so that some compensation can be retrieved and at the same time others know about the fraudulence of the university. Jeetender Singh Kushawaha

A. Dear Client, Please check and double check what you had applied, what you had received and the provisions they put in the Brochure of the University. If the University is at fault they should refund the excess money you had paid. Just this notice of Authorities. Next step is filing of a Case in the Court of Law. Shanti Ranjan Behera Advocate

Sir extra marks study material offers a free trial to students. A counselor had come to us and he said that though the trial is of 15 days he will give us a time of one month. He also said that he himself will come and collect the tab if not interested. We got misguided. In their regulations it's written that you need to call customer care within 15 days if you want to return the tab. Because of the counselor's misguidance we were in the impression that we can return it in a month. Still we called him after 20 days and then he denied that you have got late by 5 days now it can't be refunded. We tried to record the conversation with the counselor later... In a round about way he has accepted that he told us that he will give us extra time but not clearly. Kindly suggest if there is a way out

A. Dear Client, You are also at fault.You should have read the terms and conditions which you you have not done. Best option is try to sort out amicably.If you fail, then go to the Consumer Court. Remember evidence in this case most crucial. You have the right to go to the Consumer Court. Shanti Ranjan Behera, Advocate

We have given our house for promoting. apart from the deed, there is also a profit sharing agreement. he was supposed to complete the project within two years. now it is 3 years he has not yet completed the project. he is not giving the money as per the agreement. but he has given sufficient money to my elder brother. can i launch a complaint in consumer dispute redressal commission

A. Dear Client, This is a complicated case and it will not come under Consumer Protection. Please get in touch with a Senior Advocate through Vidhikarya.com Shanti Ranjan Behera Advocate