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visuiyer   30 May 2025 at 14:02

Banking services deficiency

I was a ELITE customer of Citi Bank Credit Card for last 21 years - with financial discipline of discharging card liabilities 100% on time every time; and in last year the retail banking of citi bank was migrated to Axis bank, and have been serviced by Axis bank, upon transition, the axis bank replaced the citi card with axis branded card.
During the transhipment, the bank disabled the online transaction and the bank claiming that it is for security reasons. All this were okay. but

The replacement card was delivered to me after one month, and the bankers reply was the card was despatched with incomplete address (the bank already having my KYC documents); and during the period of transhipment of one month my online transaction rights were disabled

On raising the issue,
1. the bank initially sending system enabled reply with no action.
2.Upon raising the voice with repated mail the bank supplied SINCERE APPOLOGIES
3. I raised the issue saying that apologies cannot be the solution for the real action; on social media tagging the Axis Bank
4. Due to this received annonymous call, claiming that they are from axis bank, and asking me to refrain from posting the axis bank service in social media - This amounts to customer intimidation and brought the same to the notice to the bank in polite language to initiate action but bank never responded to this mail.
- Summarising all this, I raised a complaint in Consumer forum for redressal of grievance with a Prayer clause:
1) demanding Re.1 (Indian Rupee one only) as compensation for accountability by demand draft to be shipped to my address as per KYC documents avaiilable with the bank;
2) Issue a sorry letter (not mail) without giving false justification
3) Give assurance that such deficiency will not happen in future.

5. In reply the axis bank sent a mail, to Consumer forum and also to me saying that
"you were contacted regarding this matter and have confirmed your satisfaction with the resolution and service provided" - This is fabrication of statement and misrepresentation of facts.

But I have not given any confirmation of satisfaction orally or by writing in mail, but raising the issue in social media and demanding Re.1 compensation, emphasising the CUSTOMER deserve RESPECT.

Now, I request the veteran to guide me to file a case for the
1) Deficiency of Service
2) Customer intimidation - violation of rights in raising voice against axis bank service
3) For fabrication of statement - amounts to breach of trust and
4) mis representation of facts before the consumer forum a statutory legal body.

Should I file a Civil Case in the High Court or to file a writ for the violation of constitutional rights - customer intimidation.

This is not for the amount of demand of Re.1/- but Customer Deserve Respect; moreover the axis bank redressal mechanism is very poor as per the social media (star rating)

Please guide and advise. (I have got all proof of documents mails, caller phonenumber and screenshot, date of despatch and date of delivery from courier tracking screenshot, the bank mail, agreeing that it is a late delivery and disabled the online transaction rights, complaint lodged with consumer forum and their reply with fabrciated statement)

Anonymous   26 May 2025 at 16:43

Regularisation of excess land & patta rectification

Facts

The property is ancestral agricultural land situate in Tamil Nadu, Survey No. 154/6, which was subdivided in the family partition of 1994 into:

S.No. 154/6A – allotted to me (presently in my possession)

S.No. 154/6B – allotted to my father’s brother

Extent on record v. extent in possession

Source Extent shown Remarks
Partition deed & present patta 1.20 acres Patta continues in my name for this extent
Field Measurement Book (FMB) 1.40 acres Sub-division sketch also reflects 1.40 acres
Actual physical enjoyment since 1994 1.50 acres Excess of 30 cents over patta; 10 cents over FMB

My uncle now claims that I must surrender 20 cents to him, alleging a shortfall in his sub-plot 154/6B. A joint resurvey, however, revealed that:

He previously held 20 cents excess in adjacent Survey No. 154/7 (which he sold about 15 years ago).

He nonetheless insists that, because 6A & 6B originated from the common parent survey 154/6, the “excess” in 6A must be shared with him.

I wish to (a) secure clear title to the land I have possessed openly and peacefully for over 30 years, and (b) gift the entirety of my holding—including the excess—to my wife.

Issues Requiring Expert Guidance

Title & Possession

Whether my continuous, uninterrupted possession of the additional 20–30 cents since 1994 confers a legal right (by prescription/adverse possession or otherwise) against my uncle’s belated claim.

Appropriate civil action, if any, to obtain a declaration of title and permanent injunction.

Revenue-Record Rectification

The correct procedure under the Tamil Nadu Revenue Standing Orders (esp. S.O. 31 & 15) for:

i. Demarcation and sub-division survey by the Taluk Surveyor;

ii. Mutation / patta correction to reflect the FMB extent of 1.40 acres (or the full 1.50 acres, if permissible).

Documentary and evidentiary requirements (partition deed, adangal, kist receipts, etc.) and likely timeline.

Proposed Gift Deed

Whether the excess land can be validly included in a gift deed to my wife when the current patta shows only 1.20 acres.

Consequences at the registration office and potential future objections if rectification is not completed beforehand.

Preventive Measures

Interim reliefs (status-quo orders) available to forestall any disturbance by my uncle while rectification proceedings / civil suit are pending.
Request

Kindly advise on:

The most effective legal remedy—administrative or judicial—to regularise the excess land in my favour.

Step-by-step procedure, with relevant statutory provisions / case-law, for patta/FMB correction and inclusion of the excess in the gift deed.

Any precautions to be taken during the rectification and transfer process.

Professional opinions or citations to recent High Court/Madras HC decisions on similar patta-vs-FMB discrepancies would be greatly appreciated. I am open to an online consultation; interested advocates may kindly message me separately.

Thank you in advance for your guidance.

raju   22 May 2025 at 18:43

Requested for advice

That a person was working in a private health care centre wherein there were malpractice being carried out against medical ethics and patient had to suffer. When the matter was raised in favour of the patient the employee was removed. Later on the employee filed complaint with medical council and they told to provide records whereas same is in custody of the doctor. My qiery is will verbal or written statement if given Will be sufficient or what remedy. Please advise in the interest of patients and public.

Nitin   18 May 2025 at 09:29

Friend not returning money

One friend requested me to lend him some money as there is some medical emergency. I told him i have money but i am closing my personal loan. He told that lend me the money and I will pay the EMIs every month. So I trusted him and transferred 70,000.
He paid me 2 EMIs amount and then he stopped paying since a year. I requested him so many times that I also do not have money please pay EMIs but he just kept giving promises not money.
I want to know what are legal remedies for me to recover my money from him. Its over 1 Lakh for now. Please suggest me some solutions.

Thank you.

aman   17 May 2025 at 16:55

Tenant is absconded without paying rent

Respected experts

I have a commercial property and I had given a floor of this property to someone on rent ,he opened a consultancy office in our building .in October 2024 he informed us that his office will be closed for few days .since then he did not returned back and did not pay the rent also ..his all furniture and fixtures are still in that premises ..we came to know that police has registered a fraud case on him ..after some days he contacted us from an international mobile number and said he has been framed in a false case and soon he will return back and resume his office in out building and asked us some time ..we said ok ..now it has been 8 months sometimes he pleaded that he has invested money to make this office so he will pay the rent and will take his furniture fixtures ..some times he says he will sell his furniture fixture and will pay the rent ..we were having this conversation of selling his furniture fixtures with him via whatsapp calls and whatsapp chats .. last month he said he is sending someone he will purchase his furniture fixtures and will pay our rent ..but no one came then I informed him via whatsapp msg that now we can not wait and we are selling your belongings by ourselves and will recover our rent ,he said ok …now suddenly after 15 days he is messaging that he will pay our rent and asked us not sale his belongings ..but he did not mention when he will pay and when he will vacate the premises ..I replied him that he has 7 days time to pay the rent else we will sell his belongings because we have to give this premises to another party ..his rent agreement is ending in july 2025 ..
Kindly guide me what to do in this case ..neither he is not paying the rent nor giving the date on which he will pay the rent amount.. we are helpless our premises is occupied we can not give it to any other person ..we have talen loan from bank to construct this building ..can we sell his belongings to recover our rent …

Anonymous   14 May 2025 at 12:53

Rejection of plaint

Plaintiff has filed a suit for partition by suppressing earlier Registered Partition. The defendant filed an application for rejection of plaint along with a document of earlier registered partition deed. Whether the court can consider the said document by using inherent power u/s 151 of cpc ?

sr_v@user   07 May 2025 at 18:12

Supreme court judgement on arbitration & conciliation

Is there any judgement on Arbitration & Conciliation proceedings by honourable Supreme court? Can I get a copy of the same?

Subramanya Rao   06 May 2025 at 13:56

grampanchayat approvals in 2000 /connsumer protection

Thanks for the information. Already 42 plus sites have been registered by sale deed through GPA given to developers by Landlords in 2001 0n words, based on Dasarahalli Gram Panchayat approved Layout in Rachenahalli, for various clients. I am also one among them. All 42 plus clients' titles will be illegal and questionable, If the Layout approval is illegal. If the landlords decided to sell the same land to a third party without the knowledge of clients, then all 42 plus clients will lose the title and possession to the new third-party customer with legal fight in the court? Is it true? or not. If true and if sale has happened how to get titles back legally speaking and how consumer protection will be taken care legally?

inayat   05 May 2025 at 00:05

Property purchased which is in muncipal mortgage

Dear sir/ mam

Respected dignitaries of legal experts

Iam writing to seek your professional assistance in a serious matter concerning a property I purchased.

I recently discovered that a flat I bought, for which I completed registration and paid the full amount to the builder, is mortgaged to the municipal corporation, a fact not disclosed at the time of purchase.



The sale agreement and registration were completed on Date of April 24 2023, and I made full payment via bank transfer.

Issue: After registration, I learned that the flat is mortgaged to Municipal Corporation for mortgage of flats to release after construction

This was not disclosed by the builder or mentioned in any documents provided during the purchase process.

Documents Available: I have the sale agreement, registered sale deed, payment receipts, and property registration documents.

I can also obtain an encumbrance certificate or other relevant records as needed.

Concerns:
I believe this constitutes fraud or misrepresentation by the builder, as I was assured a clear title.

The undisclosed mortgage jeopardizes my ownership and exposes me to potential financial and legal risks.

I am seeking your expertise to Investigate the mortgage’s validity and the builder’s failure to disclose it.

i seek your help to Explore legal remedies, such as rescission of the sale, refund of the purchase amount, damages, or clearing the mortgage.

Advise on any immediate actions to protect my rights, including dealing with the municipal corporation or filing complaints with relevant authorities (e.g., , consumer court, or police).

I would greatly appreciate your guidance on the best course of action, estimated costs, and timeline for resolution. Please let me know what additional documents or information you require to proceed.

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in resolving this issue

Regards
Syed inayatullah

Zeeshan   04 May 2025 at 16:18

Addition by way of ammendment in appl us 151 cpc

I my declaration case against tenant, (who claim as owner himself of my shop ),

I filled a 151 application for sending his fake documents to cfsl and handwriting expert.
That application was fix for rebuttal and arguments.

Later I find some more documents whom I also wand to send to cfsl/ handwriting expert along with old documents.

What to do now ?
File another application for 'addition by way of ammendment'
Or new application ?

Please suggest...