Anees
01 July 2013 at 13:02
I was looking for Home Loan balance transfer and top-up. One sales executive contacted me from Fedbank Financial Services Ltd, and told his bank will do from DHFL and interest rate will be
10.75 for Balance transfer amount
12.75 for Top-up amount.
and processing fees will be Rs.Rs.21348/-.
I had given the two check in the name of DHFL, they had immediately deposited and debited in my account, and then they send me the offer letter as follows
12.50 for Balance transfer amount
14.50 for Top-up amount.
Higher than what i am currently paying.
I disagreed with that and ask two refund my money ASAP.
This bank people are telling processing fee not refund even for loan rejection also not refundable.
how to take the legal action against this bank.
If i have to take legal action which bank i have to take Fedbank or DHFL.
Regards,
Anees
Mohan suthar
30 June 2013 at 23:02
My father has died interstate .His saving account had no nominee.
We all Brother/Sisters wanted to disclaim the money and want my mother to take the money.My question is
1.Will all disclaimers should physically present himself to Bank branch? Or Signatures done by disclaimers in bank approved format is acceptable?
*My bank officials wanted both..*
2.Will succession certificate necessary in this case required? or Legal heir certificate issued by District officials will be enough?
3. Is there any rule that the surety should have to account/FD in a deceased's account bank?Because bank officials are not accepting the liquidity lying in other bank..?
pushpakrishna
28 June 2013 at 23:27
Dear Experts,
What is section 142(b) of Negotiable Instruments Act.kindly give the details.Thanq
Mana
28 June 2013 at 13:17
We are an unregistered Trader's Association, who are suppliers of raw materials and machinery to the Laminate Sheets Manufacturing Units of India. Its an All India based organization. Popular name for Laminate Sheets is "Sunmica" sheets
Members are : Any business entity in the form of
Proprietorship firm, Partnership firm, H.U.F., Pvt. Ltd. Company, Public Ltd. Company, which is involved in trading, dealing, manufacturing, supplying, stocking, distributing, printing, authorized agents and indenters of raw materials and machinery manufacturing to “The Laminate Manufacturing Industry”
What do we want?
• Limited Liability on Members
• No system of Share Holding, as Members cannot be forced to buy and sell shares
• We want exemption from paying income tax, i.e. we want the benefit of 85% expenditure rule
• A legal accounting system, i.e. service tax number, PAN number (So that we can claim refund of Tax deducted at Source)
Under which Act should we register ourselves?
phani
27 June 2013 at 11:39
dear sir/madam
i totally confused regarding when the company goes from dormant stage to strike off stage , is there any procedure and time prescribed under law?
GURVINDER
27 June 2013 at 00:47
My firm is manufacturing an instrument since year 2000 and has been a supplier to various govt agencies across india and is also involved in exports of the same as well . Our competitor a company established in the year 1993 under companies act is manufacturing same instrument and selling them to govt agencies since 1993.
Food corporation of India is the largest user of this instrument in india and whichever product Food corporation of India purchases becomes an Industry standard and all other agencies and departments who deal in procurement or storage of food grains on behalf on food corporation also purchases similar equipments by default . Food corporation Of India has been purchasing this instrument from our competitor since 1993 through various tenders and everytime they do so they incorporate specifications and other terms and conditions of the tender in such a way that only our competitor becomes successful bidder. Food corporation of India doesnot have any guidelines or procedures to formulate specifications of this instrument instead incorporates specifications of our competitors as mentioned in their catalogues to the extent that the tender specifications even mentions the dimensions , weight of the equipment . Since Food corporation of India always purchases this instrument from our competitors , we loose huge business with other prospective buyers( govt agencies who follow Food corporation of India specifications) . Our competitors participates in tenders with their dummy firms which finally lead to award of contracts to them . Inspite of making efforts with the department we have failed to ensure fair tender guidelines and terms in last 13 years . Now our competitors are getting specifications of their design patented product incorporated which has finally resulted in no competition at all and they are selling their product at exorbitant amount to the government and have succeeded in eliminating competition completely .
Records received from FOOD CORPORATION OF INDIA and other government departments through RTI clearly indicates dominant position of our competitor and its clearly evident that these departments have never purchased this instrument from any other supplier since last so many years .
I seek advise if we can seek relief against Food corporation of India and other departments to make fair specifications and terms of tenders to encourage participation from other firms and competition . Also can we seek temporary injunction against some annual rate contracts awarded to our competitors by framing biased specifications and terms.
I understand from my research that I can file an appeal with CCI under competitions act 2002 , I am looking for a lawyer with proven track record to represent us for the same .
P B G TILAK
26 June 2013 at 12:32
I took a credit card from SBI in the year 2003 and used the card for purchase of some items for which a statement was received with interest. While taking the card the agent said that there will be no interest from date of purchase to 45 days. When contacted the call centre they said that interest is free for 45 days from date of issue of the bill. I asked them to waive the interest since the agents' version is different from them. But no vain. Treating this as unfair I paid the bill amount excluding the interest and cut card diagonally into two pieces and thereafter I never received any communication /approached by agent from 2003 to 25th june 2013. Today I received a notice form Newdelhi based lawyer with a request to reconciliation at Visakhapatnam and threatening to take civil criminal action.
What is the course of action I should take and what is the protection i have from the Law such as limitation. The amount due as interest is nearly Rs.400 - 600. at the time of card surrender i.e in the year 2003. But the amount mentioned in the notice is Rs.21,594/-. I am herewith attach the notice received.
mohd mahboob
26 June 2013 at 12:24
Is there any exemption in CS paper after completing B.Com,MBA and LLB? What will be effected I.C.W.A or C.S and what is fees structure?
Lalit
26 June 2013 at 08:05
Dear Sir,
We are running a Serviced Apartment in Nasik, Maharashtra, but at present we have not taken any Licence. So wants to know what kinds of licence would be required for my business. Whether our building is required to make commercial? We are running business under residential category.
Serviced Apartment is just like Guest House for people on business tour. We provide services like Residence, Food, Car on Rent, Laundry etc. Like any other hotel provides.
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Creditors winding up
I filed a suit for recovery of money against a pvt ltd company in2008 and the same was decreed in 2011 subsequently I also filed execution proceedings the debt was of 2008 I came to know that the company is not doing any business I issued a notice to pay the debt under the companies act since there was no reply I filed a winding up
Petition now the same is returned by the court by endorsing that as the suit was decreed in 2011 is the petition filed within the period of limitation my query is just because the debt was of 2008 and susequently a suit was filed does the company petition become time barred and whether the execution proceedings pending in the court prevents a creditor from filing an application for winding up