12 February 2019
My office colleague asked my name, contact address for reference in his personal loan. he paid 45% of the loan and he is not paying loan for 7 months. hdfc persons calling me you are in permanent address as well you responsible for his personal loan. Now i get to know he misused my name, contact no and address in permanent address...HDFC threatening me your are responsible to pay otherwise you have face legal action of the bank.?
What to do? give me a solution to relive me from this problem?
22 February 2019
1. You can file a Police FIR, requesting investigation and charge-sheet, for offences like cheating, intimidation, fraud against the person & the Bank Loan dept., supported with all relevant supporting documents.
2. IF the Police does not take action, THEN you can file private criminal case u/s 156(3) Cr.P.C., in the local Magistrates court, seeking directions to the Police to investigate and file charge sheet. The Bank will back off after this action, because did not physically verify the address of their client while giving the personal loan.