Bank deny to returns back the original title documents.

Priyesh (Querist) 06 July 2018 This query is : Open
Respected Lawyers,
My Uncle took a Loan in 1997. It was declared as a N.P.A. in 2007 due to non-payment towards that Loan. It was settled by my uncle in the Year 2017 in the month of July. As the Loan was settled my uncle demands the original title documents of the property from the Bank and also ask to make a release deed as property was mortgaged for this loan at the time taking loan. Now the bank from since last one year not done the same. Please suggest a way how my uncle deal with this situation ?

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Kishor Mehta (Expert) 06 July 2018
You can take recourse to (1) Consumer Forum, (2) Civil Procedure , (3) Criminal procedures.

Ms.Usha Kapoor (Expert) 07 July 2018
Agree with Kishor Mehta

Sudhir Kumar, Advocate (Expert) 07 July 2018
mortgage can be cleared only by release/re-conveyance deed.

P. Venu (Expert) 07 July 2018
The first option ought to approach the higher authorities of the Bank or the Banking Ombudsman.

Priyesh (Querist) 07 July 2018
Thanks to all experts

R.K Nanda (Expert) 07 July 2018
Contact concerned bank officers.

Priyesh (Querist) 07 July 2018
Can my uncle make Writ Petition to High Court ?

Advocate Bhartesh goyal (Expert) 07 July 2018
No,writ petition is not maintainable as you have efficacious remedy either to approach Banking ombudsman or knock the door of Consumer Forum for deficiency in services of Bank.

Priyesh (Querist) 07 July 2018
My uncle already approach to banking ombudsman and consumer forum also. They also doesn't reply their complaint.

Advocate Bhartesh goyal (Expert) 07 July 2018
Mr Priyesh your version is not acceptable when a person files complaint before ombudsmen or consumer forum , complaint is either accepted or rejected by above forum. Appropriate forum has been suggested to you for remedy of your grievance.

Ms.Usha Kapoor (Expert) 08 July 2018
Agree with Kishor Mehta and Bhartesh Goyal.

Priyesh (Querist) 08 July 2018
If complaint rejected by ombudsman or consumer forum what is the next procedure ?

P. Venu (Expert) 08 July 2018
Why if? Is this not a real issue?

Priyesh (Querist) 09 July 2018
Mr. P. Venu Sir if is because answer is not yet received from banking ombudsman and consumer forum

Bank deny to returns back the original title documents.

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