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My brother's son left our household 4 years ago and married his girlfriend and they have a child. He returned last week with mental problems and drug abuse issues. It appears that his wife also deserted him. It also appears that he has taken considerable amount of money as loans and have not paid any. The above loans did not have anything to do with my brother or with anyone in the biological family. My brother himself is a psych patient who only has a share of our father's house. Is he responsible for any of the financial burden caused by his son ?

A. Hello client,
It completely depends upon the property which he has used in gaining such loans. If it is a joint property where you are also a partner and hence have signed such documents you are liable. But if the loan is taken by him by using his own property then you and your family members do not need to worry.
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Simi  Paul
Simi Paul Experience: 1 Year(s) Kolkata
Md Shafiuddin  Yakub Ali
Md Shafiuddin Yakub Ali Experience: 14 Year(s) Hyderabad
Sanjay Kumar Jha
Sanjay Kumar Jha Experience: 18 Year(s) Patna
ask_a_question

Anonymous

Posted 3 months ago

All EMI paid regularly but not on regular dates. Though late but EMI are paid up-to date along with late fine. In the mean time they are making nuisance by writing on walls, and pasting posters for sale. Property is mortgaged to them. How can I defend by not allowing them to enter my premises. Loan account is not under NPA.

A. Dear Sir,
You may approach Civil Court and get appropriate directions against them.
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Sandeep  Pingale
Sandeep Pingale Experience: 14 Year(s) Mumbai City
Rameshwar  Dadhe
Rameshwar Dadhe Experience: 4 Year(s) Aurangabad
Hello Sir/Madam, I have taken hand loan from a colleague due to my personal emergency. As it was urgent, I agreed to return money within one month with 10% interest rate. Due to some personal problems, I could not return on time. I requested her for just two weeks of time so that I can return her money. But, she is continuously prompting and pressurizing me for money. She is threating me that she would complain to her people regarding this. Please help me how should I react to her actions. Thanks and Regards, Needy

A. Dear Sir,
It is a civil matter and never take it as serious. You may get issue a legal notice and file a suit of permanent injunction restraining them from interfering with your person and property and ask them to recover their dues if any by filing a civil suit.
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Anonymous

Posted 4 months ago

My friend purchased products using credit card of rs 5500 on assurance of next day giving but till now no response on that

A. No legal action can be taken against your friend.
Thanks

Adv. Satej More
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I have borrowed money from a person a sum of Rs 2,10,000 for 5% interset rate per month ,it was transferred in my bank account,as guranatee he took a cheque of 2,60,000,after one year i returned him the money with interest in form of cash,and asked him for cheque for which he told me he is unable to find the cheque right now,its been more than 8 months since then,he has not given me my cheque back, i am worried now what should i do,please guide.

A. Take written affidavit from him immediately with two witness
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I was unable to pay my personal loan and credit card due for 3 months due to insufficient funds. I've 3 loans and 4 credit card, all used to maximum limit. Sbi bank people are calling my father and cousins for the repayment on behalf. I requested sbi if we can settle this by any feasible way but they rejected and told me that they will take me to prison for fraud and 420. Other banks have sent me a notice related to the non payment. I live in Bangalore but my parents live in a different city. My current income is also less to manage all of them. What best can I do to bring everything on track? Please assist

A. dear client A footnote to the IPO prospectus details the collection procedure followed by SBI Cards. “SBI Cards may block the customer’s account, in the event payment is not received within stipulated payment due date, as communicated through statements and SMS," it says. “The account block, in such cases, may be temporary or permanent depending on delinquency stage, default potential, payment history," the note adds.
After roughly 6 months, your credit card account is moved to a recovery ...ReadMore
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rajagopalan sundaramurthy

Posted 4 months ago

i have a home loan with HDFC and defaulted for neary 10 moths though made some payment got adjusted towards penal charges, i defaulted because out of job for last 3 years some how managed two years, now arranging all means also negotiating with few for selling and close the loan, I have not received any legal notice from HDFC till date other than computer generated mail requesting to clear the balance, now the bank executive says he will come an paste notice on the door stating default and mortaged with HDFC, which will affect my process of selling and the buyer may reduce the rate based on this notice thus depriving me of getting a better rate, my question is whether the bank act us legal to do withou issuing any notice to understand the problem though the executive is know all these things.

A. Dear Sir,
You may get issue a legal notice and also file a suit against them on the basis of following judgment.
==================================================================================
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 institu ...ReadMore
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I have been harassed by SBI Cards kandanchavadi chennai for past 2 yrs and still the same continues till date .calling frequently visiting frequently .cheated me in late charges and adding all charges .due to this my health is bad and completely weakened my spirit .I Want to know how to handle this and file in court for compensation .

A. Dear Sir,
You may get issue a legal notice on the basis of following judgments.
==================================================================
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 ...ReadMore
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ASHISH JAIN

Posted 5 months ago

We did regular business with our customer for 4 years . We supplied material to a buyer on credit basis and now since almost 2 years our payment is stuck . He was giving us part payments till Aug 2018 but then he stopped that also . Now he is not recieving our phone calls also. I have sent text message to him many times but he doesnt reply or receive calls.

A. 1. you are required to file a civil suit for recovery against him claiming the amount along with the interest,
2. start the litigation by sending a legal notice through counsel,
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Rameshwar  Dadhe
Rameshwar Dadhe Experience: 4 Year(s) Aurangabad
Khansaeed  Pathan
Khansaeed Pathan Experience: 11 Year(s) Beed
J S  Pawar
J S Pawar Experience: 4 Year(s) Mumbai
I have missed a repayment of 3500 since a month and been avoiding the recovery agent's calls because, I was in no position to pay the loan. However, one particular lender(NBFC - Early Salary) has called my mother and another person in my account and informed them of my debt details and asked to repay them immediately. This is unacceptable. Do I have any grounds to initiate a legal action against the lender for this breach of privacy

A. Dear sir /madam
You may get issue a legal notice for breach of trust and privacy and also go through the following judgement .

-----------------------------------
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 ...ReadMore
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