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Anonymous   27 July 2024 at 14:01

Misbehavior, no service provided, document handover

I had a home loan account with a top-up at 9.4% and 11.6% respectively with UCO Bank. The rate of interest was much higher than normal, so I applied for a loan with Canara Bank, which took over the loan at 8.3%. During the whole process, I didn't inform my previous bank because I had all the documents with me except the List of Documents (LoD). I received the LoD with a letter in one day stating it was for my personal use. Once the loan was disbursed, all the outstanding amounts were paid to the loan account. I approached UCO Bank and explained the full and final settlement. The branch manager behaved very rudely with me, said some unethical words, and told me that if he had known this earlier, he would not have provided the LoD in one day but would have taken 10-15 days. When I asked about the deed and all, he said I was not required and that I could authorize someone or they could give it to the co-applicant. He rejected my application for a No Due Certificate and the deed. I took a letter from Canara Bank where their manager stated to please hand over the documents to the Canara Bank official as they have taken over the loan. The UCO Bank manager didn't accept that and threw the letter. After all this incident, I raised a complaint to UCO Bank's head office via mail and stated about the misbehavior and not providing me with the NOC, deed, and all. I also wrote to close my account and hand over my documents to a Canara official or my father because I would not be available to collect them. The next day they called my father, whom they know, and closed my account but did not hand over the No Due Certificate. For the deed, they started telling that they would hand it only to the owner. When discussed about the authorization letter, they said they would check and inform. It's been a week and I have not received my documents from the bank. I was on leave for three weeks during which I did the loan transfer. Now I am not in my hometown. I am in Chennai and they are not telling anything nor accepting any letter. What should I do? Canara Bank sent an email and letter to UCO Bank about the documents and they are not receiving or replying to it.

hemal8110   01 July 2022 at 14:00

Noncompliance of gic order for affidevit copy

In reply of my action taken report RTI,GIC,Gandhi agar order to pio,sub registrar to provide affidevit of missing deed copy of land.However it is already ordered by GIC 9 Month ago.I complain to HOD,Collector & no action taken at that time.But now this is 2nd time pio violate GIC Orders.What to do further?

Anonymous   22 October 2021 at 22:47

Agreement

An agreement between both parties written on A4 paper with witnesses attested, is it legal if any disputes arise in the future?

Anonymous   19 September 2021 at 19:38

Mistake of date of birth

My date of birth on TC and Adhar card is different
I update my adhar DOB that's orignal. When i receive my TC the dob is differ. I update my adhar card once to change my dob as same in TC, those show dob on Adhar cars update only once. 😔😔 plz help me

Kani   13 September 2021 at 13:37

Poa

Kindly advise whether a registered specific POA can be amended?? POA was given for construction and sale of apartments but did POA not mention power to take loan or mortgage the land. Or does it have to be revoked and new poa execute?

Read more at: https://www.lawyersclubindia.com/experts/ask_query.asp

shyam lal   20 August 2021 at 07:07

Gift deed notice

A co shareholder of a undivided immovable property gifts his share without any consideration to a third party ,where as the registered WILL mentions that one month notice has to be given to other co shareholders informing intentions of sale to third party.Situation is the share holder does not sell his share but gifts his share to the third party,query, is there anything wrong legally by not notifying before gifting his share.

rahul mishra   16 July 2021 at 13:07

Ews certificate

Sir In 2017 I resigned my central gov job. In 2019 I applied my EWS certificate for financial year 2018-19 in which i didn't mention my previous salary or job bcoz there was no space defined to mention abt that.
Is there any issue?.

Anonymous   30 June 2021 at 15:20

Bill of exchange

Respected sir,

can we use the bill of exchange in domestic market (says in e-commerce industry for buying or selling as a mode of payment) ? if yes then can we pay proper stamp duty applicable on the instrument in online mode?

abhimanyu   25 June 2021 at 07:11

Share transfer stamps

For selling physical shares in a private limited company. SH-4 Form is to be filled up. Please advise

1. What is the rate of share transfer stamp duty for transfer of physical shares.

2. Is rate of stamp duty same all over India

3.Can stamp duty be paid by buying share transfer stamps

4.If yes, from where such share transfer stamps can be purchased.

5. Can share stamps purchased in Delhi be used for transfer of shares of a company having registered office in Mumbai

Anonymous   27 September 2019 at 12:28

Obc non creamy and domicile

I am a central government employee and i had applied in obc ncl category for the job. Our family hails from bihar but now we reside in jharkhand since 1975. After jharkhand came into existence, the people who had migrated from bihar were not eligible for domicile and hence obc ncl. So i had applied through obc ncl and domicile of bihar. But in 2016 new amendment were paased and now i can get domicile and obc ncl from jharkhand state. i wish to appear for upsc cse examination. So should i obtain obc ncl from bihar or jharkhand.which one is legally correct.kindly help?



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