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Dear Sir / Mam, In this period of Covid-19 crisis, RBI asked banks to give 3 months moratorium period on EMIs to borrowers. Here issue is that one of the money lenders, without my consent, applied 3 months moratorium on my personal loan. How can I take action against them?

A. Dear Sir,
If not interested you may intimate him and avoid such period if not accepting then approach the Licensing authority.
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Please give me Rank 5 and Review my Resume and Follow Me.
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I need to take loan from an individual for a period of 10 years. I will pay him fixed percent of interest every month on time. But i want to repay the loan in uncertain percent of loan amount in installments such 1st month - .50% installment, 2nd month - 1% installment, 3rd month - .80% installment 4th month 2% installment. I want to repay the loan by these uncertain installments every month. Is it legally possible if individual agrees ? What if the individual is not a registered money lender ? Is it possible to take such loan from such individual ?
I need to take loan from an individual. I will pay him fixed percent of interest every month on time. But i want to repay the loan in uncertain percent of loan amount in installments such 1st month - .50% installment, 2nd month - 1% installment, 3rd month - .80% installment 4th month 2% installment. I want to repay the loan by these uncertain installments every month. Is it legally possible if money lender agrees ?

A. Dear Sir,
It is a private agreement between you an lender. Nothing prevents you to enter into such agreement but he must be registered money lender.
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Anonymous

Posted 1 week ago

The lending apps in play store charge very very high interest upto 33% pa and higher processing fees, is there any way to file a complaint against them so that people desperate for money dont fall into their trap. They access your phone contacts and call any of the number.

A. Dear Client,
You can go and file a Public Interest Litigation for the interest of the society.
Thanks
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I need big assistance in making my loans into single EMI and now unable to do the normal activities due to mental pressure. I would like to explain more on this during consultation.

A. Dear Sir,
You may approach concerned finance consultancies and workout your proposed scheme of converting your all EMI’s into single EMI.
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Sameer Shaikh

Posted 4 weeks ago

A group of money lenders who have no license to do this business they are making agreement that if you take 5000 from us then you have to pay 1000 rs every time in month as interest and they are playing with every needy people like this and also play many criminal activities I have list of their crime but I am not getting proper way and my mother is also suffering. Please suggest me were to go.

A. Hi client,
File an F. I. R. against them.
Thank you
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My Friend is asking for 4 Lakhs amount for his family urgencies. He is ready to sign a Promissory note of this amount and the return timeline will be of 1 year. Will the Promissory note valid for this much amount. What other securities/guaranty do I have to take.

A. Dear Sir,
It is better to get post dated cheques which is economical to recover the amount.
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Anonymous

Posted 2 months ago

I took a loan of 1lac , 1 year back and paid only 6 EMI out of 12 due to some financial loss and now want to pay remaining EMI with resettlement of loan of pending amount. Company has bounced given advanced cheque and send me a notice of full amount. Kindly suggest and advise for solution.

A. Dear Sir,
It is happening so in many cases as borrowers give blank cheques to the financial institutions. You may produce all the evidences having paid six EMI’s and get a reduction at the time of getting judgment.

Please contact me through the administrators of this website.
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Sandeep  Pingale
Sandeep Pingale Experience: 14 Year(s) Mumbai City
J S  Pawar
J S Pawar Experience: 4 Year(s) Mumbai
WHAT ACTION CAN BE TAKEN AGAINST AN ADVOCATE WHO IS PLAYING FRAUD

A. Dear Sir,
If you have concrete evidence then you can lodge a complaint with the secretary of Bar council of your State and they will initiate disciplinary action against him under the provisions of advocate’s Act.

Please take PAID phone call with me through VIDHIKARYA and get more legal guidance.
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Anonymous

Posted 6 months ago

Dear Sir, I have taken personal loans and put that money in stock market. All the money is lost in stock trading. Can i file bankruptcy in this case.

A. Dear Sir,
You can file as per following procedure but it is costlier.
================================================================
The Insolvency And Bankruptcy Code, 2016 - Key Highlights


Dear Sir,

The provisions of Bankruptcy and insolvency Act may be used to get relevant certificate. The highlights of the Act are as follows followed by a link.

KEY HIGHLIGHTS

1. Corporate Debtors: Two-Stage Process

To initiate an insolvency process for corporate debtors, the default should be at le ...ReadMore
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