Legal questions on Civil Law

Help for 77years old parents . Threatening by recovery goons.

Namaste ?. My father was a State Govt Employee and retired in 2004. My Father used SBI Credit Card of an amount of 18000 & which was limit of 25000 . He paid 4 months minimum amount due and later when he desired to pay full outstanding amount it was shown more than expected actual outstanding. He had Spoken with customer care and they reduced lil amount but he was unhappy and decided to wit...

Time Barred

In March 2011 took a home loan of 20 lacs loan for under construction home(flat in a builder project approved by HDFC) from HDFC. Paid Interest of about 9 lacs till March 2016. Builder company did not deliver and during investigations found that the builder company did not have requisite license in its name nor the title of land. We enquired HDFC about due diligence done, no response from HD...

Haressment by recovery agent

I taken a loan by online mobile app icredit 5 difrant lender. My due date 09/09/2020 and 12/09/2020. My cellphone or wallat was lost 06/09/2020 35000/- rs in under the wallate for paying loan installment .some time I disconnected by my regular no.then recovery agent call my reletive office staff my nabioure and abuse him very bedly.and today my no is connected then abuseing me also I tell my...

Vendor is denied to sale deed and registration

I have an sale agreement with the vendor for purchasing of plot of 200Sqm at the rate of 16075 per Sqm and i have paid 700000 (Seven Lacs rupees ) at the time of sale agreement and the remaining balance amount will be paid at the time of sale deed and it registration within 90 days from the date of sale agreement. Further i have applied sale and construction of house and i got loan sanction ...

Pnb bank case

Hello sir/ madam, I am Tej Singh and I have a housing loan account HOU/H.....with your Haridwar branch. As per RBI guidelines please clarify the following points regarding my loan. 1. The above-mentioned loan was sanctioned in the month of Nov 2018 and the check was printed in Nov 2018. but the check was not handed over to the party and the interest amount is started without any intimatio...

I'm a guarantor for a loan and I have the liability

I'm a employee of a public sector bank. Me and a staff (suppose Mr. Rajesh) have taken seperate loans in our staff cooperative society on mutual guarantee. Now Mr. Rajesh committed a fraud to a tune of Rs. 14.00 lakhs in the bank and the same day he committed suicide. FIR is filed and the bank is not able to recover the money till date. He has a liability of Rs. 20.00 lakhs in the bank. I seper...

Claim for bad trade practice and service.

I am from Pali, Raigad. My bungalow's construction was working with advice of civil engineer. But after comlpetion of slabs, i found cracks developed on the top of rcc slab. I asked engineer who supplied design for slab and visited before concreting to see steel framework. He come to see problem of developed cracks and started blaming me for not using proper material, then he took concrete samp...

Personal loan & Credit cards not paid for last 6 months

Personal loan & Credit cards not paid for last 6 months Hi, I have taken loans from yes Credit Card 46000 wallnut (Capital Float)personal loanl 100000 sbi Credit Card 91000 rbl Credit Card 151000 axis personal loanl 213000 axis Credit Card 165000 kotak personal loanl 240000 kotak Credit Card 190000 hdfc Credit Card 300000 hdfc personal loanl 345000 hdfc jumbo loan 390000 From...

Bajaj recovery harrassment

I have taken consumer loan from bajaj finserv on my wife's name and paid regularly ..so bajaj offered me a personal loan i took this loan as i needed money i paid half of the loan regularly now for last 3 months i m not able to pay the emi due to unemployment..and this recovery agents are harrassing me and my family..as this loan is on my wife's maiden name..they are saying that they will send ...

Lawyer notice came on my whole family which we got patta passbook 1B and pahani

Sir 1111 :survey number land got from four father's we are now tree members to my father ( total area 99 guntas) all we three brothers have PPB each one got 33guntas equal share 1348 :survey number land purchased land ( younger brother)-total 60 guntas .... This land purchased from pingili in 1969 case was failed in 1975 with pingili and my younger brother .. fainal judgement came by land re...

Loan from Sriram chits finance company

Hi All, My grandfather had taken a loan of 4 lakhs from finance company, he was railway employee, 2 government employees surity has been taken for this loan. This was in 2012, they had deducted the amount for insurance in the loan amount sanctioned. They had paid some 7 to 8 installments, after that my grandfather expired, the manager of finance company told us to submit the death certificate t...

Judicial limits of civil disputes

My father had done business with his partner as working partner. His partner has invested around 9-10 lakhs. When everything not happened as expected he decided to quit the business and demanded to repay the amount he invested. My father agreed to repay but he insisted to pay the interest immediately. My father and brother was involved in the business and it happened in Chennai. They had paid...

Misuse of security cheques

I was working with a share market company as a relationship manager wherein one client approached me to trade in stock market in his account with him . he was my neighbor also and he asked for security cheque from me to ensure that no loss should be occurred in his account. he invested Rs 10.00 lacs and also become company's subbrker for earning brokerage also.initially he got payout of 3.00 La...

Bank has lost property original documents

I recently brought a resale-property in Kandiwali for 80L+government charges, out of which i applied for Home loan for 60L. We had completed Sell deed with previous owner in Jan-19. As previous property owner has pending housing loan of 46L over the property, after our Sell Deed is competed, my Homeloan bank provided cheque in the favor of previous owner to close the pending housing loan and ge...

ICICI BANK- Harrasment after 14 years after recovering of security

Need help, please. My father had paid off his 6 months EMI in 2005 withICICI back in Oct/Nov 2005 by cash. (Remaining balance was approximately Rs.120000 to 150000) he did not have a chequebook handy so he paid cash as the ICICI representative gave him a receipt. Due to some personal issues, he was unable to pay two months EMI for Rs. 6000 for the personal loan, so ICICI bank collection repres...

Education Loan of my Husband

Education loan in the name of my husband Tarun Kumar for Rs.406900/- sanctioned by the Bank on 2007 for MBA (IIPM ), two year course in IIPM, New Delhi. Loan disbursed by the bank semester wise and course completed and joined his first job in 2009 and started paying his EMI from 17/3/2009. But due to family liabilities (wife and son) he was not regular for this EMIs gue to which interest part i...

Refund of earnest money after cancellation of sale deed

This property deal is through a property dealers. We made a sale agreement with the seller of the property by making an earnest/part payment of INR 10Lac as I wanted to buy the property. I told the seller that I would need 80Lac of home loan to purchase the property and property dealer said that I will get it as he would help. I gave the required documents to bank to process the home loan of IN...

Education loan NPA account

Sir , I took an education loan in August 2004 for my BSc nautical studies degree. I had applied for 5,75000 for this but the manager he can only section 4 lakhs but assured us that he would increase the loan amount later. As I had to deposit my first installment and had no option i agreed. In due course he did not increase the loan amount as promised and I was unable to pay the installment . So...

Divorce Guidance

From June 2015 she living her parents house that time she is pregnant and January 2016 she birth one baby boy many times I try many times to get back to my home but no response,her parents want me to live with them, in her house,but that not possible because my father is kidney failure patient and I can't leave him alone because nobody with my father he and me living in one house then how I lea...

Credit card default legal notice

Mahoday Legal Advisor saheb. Namaskar. Due to financials. crisis whole of 2018 I could not pay credit card emi and full amount since August for HDFC. Now I post office delivered a chit saying to collect legal notice which I assume from HDFC as they had warned me by email. I tried to contact on phone I never picked up phone as they insist on immediate payment with threatening. I had to stay away...