Gurpreet Singh
30 December 2011 at 17:36
I had applied for the Personal loan with HDFC last year in June & got the disbursement of the same in Jun’10. At the time of Documentation, I have signed one Documents as an Insurance cover for the loan which was offered by the sales guy and said, “You can claim this insurance if you lose your job, If facing Some Financial crisis etc. I have paid first 8 installments till Jan’11 without any delay or chq bounce.
Sir When I availed this loan, I was working with one one the leading Telecom company at Kota (Rajasthan) with very good salary. Just after the few days of my Marriage I lost my job in Jan’11 and sat free for next 7 month at home and due to this I was not in condition to make loan installments. Now presently where m working is a small company and my monthly earning are only Rs 6000/- one third of my last salary.
In Dec’11, I received a call from HDFC Kota branch for the payment and I told him the entire story and also asked them procedure to claim the insurance. The Guy said he will get back to me with the solution, but nothing happened like that and next day I received a call from a lady who was calling from local agency and claims herself as an employee of HDFC bank and asking for the payment and told she can also use the hard mode to get the payment collect.
My total Principal due is more than a lac and I’m not in condition to make payment, but however I paid Rs10, 000/- with help of my friends. My father is serious BP patient and depended on us only. As soon as my Financial problems resolves, I‘ll start making the payment but till time Please suggest what could be done.
Thanks
Gurpreet Singh
Anonymous
30 December 2011 at 17:25
Dear Experts,
Tenant entered in to rental agreement for a period of 11 months which expired in the month of march 2010 but he did not vacate the premises. The rental agreement also not renewed further. The tenant has filed a perpetual injunction suit in the month of November 2011 and in his suit he admitted that the owner has demanded to vacate the premises in the month of november. Now if we file suit for eviction Is issuing notice is mandatory or since he is under illegal occupancy and paying no rent can we file suit for eviction directly. please advise and early reply is highly appreciated
Anonymous
30 December 2011 at 15:14
The Lender Bank has settled with the principal borrower as FULL SETTLEMENT under OTS with a clause that Bank reserves its right to proceed against security of Land given by Third Party.
1. Can the Bank proceed against the surety of land having settled in full and received the settled amount from the principal borrower.
2. Does the clause in the settlement letter that Bank reserves its right to proceed against security of Land given by Third Party has the legal sanctity.
Anonymous
30 December 2011 at 10:07
WE GOT PARTITIONED OUR FAMILY PROPERTY THROUGH COURT WITH COMPROMISE SETTELEMENT SIGNED INFRONT OF THE JUDGE BY ALL THE PARTIES. WE GOT FINAL DECREE ALSO 1 YEAR BACK. SUDDENLY ONE OF THE PARTY NOW WANTS TO REPOEN THE CASE AND HE WANTS TO CANCELL ENTIRE AGREEMENT . IS IT POSSIBLE ? IF POSSIBLE ON WHAT GROUNDS.
Anonymous
30 December 2011 at 00:10
Respected Sir,
I had an bad experience with one of my shop tenant at my commercial complex,
Please advise me on executing new rental deed which should powerful for landlord, Any law that can stop my tenant from taking me to court if i require the premises for my personal use.
Attach a file if possible as a rental draft for shop.
Thanking you,
Jai Hind.
denish
30 December 2011 at 00:02
I am working in a regional rural bank I defended an officer's charge sheet wherein he was alleged of getting the major part of loan money of borrowers on the basis of any complaint from borrowers after 2.5 yrs of signing the loan documents.No any lapse in loan file was found. Borrowers deposited the loan installments within 2.5 yrs.some of them got insurance claim from insurance company for the project of buffalo loan after fulfilling the claim process including postmortem report of the govt. veterinary doctor. the investigation of the complaint was done by the audit officials in a way of questionnaire the question and answer written by the same person with the heading "discussion" signed by 3 officials and so called complainants.during domestic inquiry one of the signer was presented by the management as witness who told at inquiry floor that he did not know either questioner or answerer.after so many requests the copy of complaint was not provided by the management nor any complainant was presented as witness on the floor.the inquiry officer as well as disciplinary authority in their conclusion depending on such questionnaire(named "discussion")which was told by their own witness that he did not know any person who signed it, declared the delinquent guilty and dismissed the delinquent from the services of the bank. the defense witness and exhibits were not considered and not referred in their conclusion/findings.the delinquent had applied to disciplinary authority to change the inquiry officer before inquiry proceeding started because he was biased and prejudice with him because of certain reasons but disciplinary authority did not change him.now delinquent has appealed before the board of the bank but justice is not expected because the disciplinary authority is also the chairman of the board of the bank as per regional rural bank act 1976, although chairman shows at the time of discussion on the agenda of appeal that he is out of meeting but he sits along and has full effect in the meeting. what should be done in this case and how the best remedy can be obtained while I know that delinquent is quite innocent.what will be the fate of this case in court of law and how the best remedy can be obtained at earliest.the bank has also filed a caviot in high court.
Anonymous
29 December 2011 at 23:28
Dear Sir,
I have purchased a 2 BHK flat at Newly constructed Tirupati Heights at Ujjain M.P. in May 2011 from M/S Tirupati Consturction. Its a six floor building and my flat is on the sixth floor.From last 3 months lift is not working at all even after several reminders builder is not showing any interest to repair the lift. When we contacted a private engineer , he told us that the lift is of very poor quality and even if its get repaired it won't be long lasting and any time any accident can happen. So i won't to know what action i can take against the builder in the law of court and what is the procedure?
Thanks,
Jagdish Bisht.
maurice
29 December 2011 at 22:40
My father had given a couple of blank signed A4 papers to his brother for a police case in which both my father and his brother weere accused. Even though the blank signed papers wre not used, my father's brother did not return the blank signed papers even after the police case was settled. Now my uncle (father's brother) is threatning to use those blank signed papers to force my father to include my uncle and his family in a piece of land which is exclusively in my father's name.
Please advise what is the worst that my uncle can write on those blank signed papers and what is it that my father can do to bring on record that he had given such blank signed papers??
sudheer
29 December 2011 at 19:30
sir,
for mother there 6 brothers given 3 acres of agriculture land by register gift deed signed by all 6 brother in 1986 (the original gift deed kept with them only ,they have not given to my mother )..recently in 2009 my mother given to me by register gift deed registration over (without having original gift deed) the same said in the registration deed also.. she is not having original document at the of registration)i have taken pat-ta book, pass book,also....now my mother brothers given me court notice ...saying that ..this was illegal registration, because the elder brother (among 6)(expired 5 years back) was not willing to register the land to my mother.so the registration is illegal? so, now what i should do ? weather my registration stand"s ?? if any previous judgement u have can u post me sir
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