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The person who has take veh is not paid. 3 instalment
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A. Dear Sir/Mam, On a high level you can issue them a Legal Notice and retort to legal procedure for recovery of money. A precise advice can be given after review of the agreement.
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Vedant Lakhotia Exp: 3 Year(s) Kolkata

Anonymous

Posted 11 months ago

My son had taken education loan of 7.5 lacs for his education in the United Kingdom. He completed his studies but had to come to India as his visa was not renewed. He did not get a suitable job and had to start working for call centre where he was drawing only 20000/-. Uptill the time I was warking, I paid his instalments of Rs.21000/- per month for about 2 years. Thereafter due to financial loss in business, I could not continue paying. At the time of taking loan, he was 17 years 8 months (minor) and has not signed any of Bank agreements. I had signed as guardian. Is he liable along with me? Bank has filed recovery suit in DRT for 11 lacs. Plz guide me
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A. Dear Sir/Mam, In your case, you have taken the loan but on behalf of your son who was a minor at the time of disbursment. As a general term, the bank gives educational loan to be repaid by the student after he starts earning, the parent/guardian acts as gurantor. In your case, there should be same terms and conditions of the loan. Precise advice can be given if you share across the loan agreement.
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Vedant Lakhotia Exp: 3 Year(s) Kolkata

Anonymous

Posted 11 months ago

Dear Sir, I am K Rajesh stay in hyderabad and I need an adivce from you sir. few months back my father expired and he used to work as a drive in a private company. After his death one person came to us saying that my father has borrowed some 2 lakhs amount with him with some xyz interest and my fathers ATM card was with financer and we have blocked the card and he withdraw some amount as a interest and message from SBI bank came to my father mobile and we came enquired and came to know that financer withdrawn the amount as n interest and immediately we after went to bank and blocked the card. Now we are a poor family and my father is actually a govt. driver retired pensioner. Financer is regularly calling us and asking to pay the interest and settle the 2 lakhs amount to him. Please suggest us what to do ? should we have to pay him or ignore him.
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A. Dear Sir, There are many aspects in your post. 1. What is the documentary proof does the financier have that your father has taken a loan from him? 2. How could he withdraw money from account after the death of your father? 3. Why is he charging you to pay the money. Even if there is any loan taken by your father then are you the co borrower or guarantor? If he keeps on disturbing lodge a complaint with the nearest police station against him for pain and harassment. Please consult for a further advice in this regard.
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Vedant Lakhotia Exp: 3 Year(s) Kolkata

Anonymous

Posted 11 months ago

I had lent a sum of Rs 1,00,000 to someone in 2003 against which he mortgaged his property. There is a mortgaged deed. He assured to pay the amount in 2 years which he did not. My query 1. Can I take action now(in 2018)? 2. What is the procedure.? How much time can it take? 3. Should we need to send any notice?
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A. Dear Sir/Mam, The answer to your queries: 1. You can take action now but the success of the same is variable. 2. The procedure and time required will be best explained by the lawyer fighting for your case. 3. Yes, Legal Notice is the first step. Generally after seeing a Legal Notice, the defaulter pays (depends n the class of the Legal Notice).
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Vedant Lakhotia Exp: 3 Year(s) Kolkata
I alongwith three of my friends had lended money to another friend amounting to 4,00,000 INR in total last year in the month of October and November 2017. He has been giving numerous excuses from then on when it comes to returning the money back to us. We waited, however, nothing came to fruition till now. In month of March 2018, we decided to make a hand load agreement, an affidavit, which stated, alongwith the details of the money he owes us individually, that the borrower would return the money by 1st April 2018. The borrower and we signed the agreement. The borrower hasn't paid a fraction of the amount yet and we don't have the idea how to proceed with it. Some people say that the affidavit isn't gonna work in the court/police station and that a notary would have been valid. Therefore, I need to know from you if the affidavit signed by us will hold valid in the police station/court. What do we do if the police or court doesn't accept it?
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A. Dear Sir/Mam, There re pending legal formalities in this regard. You may consult for the same.
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Vedant Lakhotia Exp: 3 Year(s) Kolkata
Sir, Please advice me regarding the following issue: 1. One of the firm in Ahmedabad (Roller Flour mill) took term loan of Rs.2.50 crore from GIIC, Ahmedabad in 1996. During 2006, GIIC has filed a civil suit for recovery of dues to the tune of Rs.11 crore. 2. BIFR has declared the unit as Sick Unit 3. I have given personal guarantee. 4. In the details of property column, the details of property which is given is dubious. Neither I have submitted any papers related to my property. 5. In fact, i was an employee working for the company. But he made me as Director (on papers). 6. As on date, I dont have any property. But I am a Govt. employee. Please advice regarding the legal implications on me. Mukesh
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A. Your case appears to be complicated. Please consult for a proper advice.
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Vedant Lakhotia Exp: 3 Year(s) Kolkata
Hi, To renew my LIC policy my LIC agent asked me to send premium due amount in his bank account (as I am in another city) he will deposit and renew my policy immediately as he said he is sitting in LIC only. Now its been more than a week he is making pretances one after another but not depositing in my LIC policy. What legal action can I take against him. I have his whatsapp communication where he shared the policy quotation showing amount due and he shared his cheque book copy for online transfer. And online transfer details are there with me. Please advise! Regards, Khalid Jamal
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A. When the next time you connect with him take his Agent number in case you do not have it and threaten him that you will file a compliant against him by sending all the evidence of transferring the money to his account and whatsapp conversation etc. If he deposits then fine otherwise send him a legal notice.
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Vedant Lakhotia Exp: 3 Year(s) Kolkata

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