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Anki Reddy   21 January 2010 at 09:57

Home Loan issue with ING Vysya Bank at Hyderabad

Dear Sir,

In April, 2007, ING Vysya Bank has sanctioned Rs. 70 lacks towards the Plot cum House construction on my property at the Servy no 1910, Rajeswari Layout, Kondapur, Hyderabad. Out of the sanctioned amount the ING Vysya Bank has released only Rs 29 lacks toward the PLOT of area 300 sq yards and stared collecting monthly interest on the released amount, they have collected the interest for 18 months. But later I came to know that the entire layout of 300 acres ((in which my PLOT is also exist)) has been submerged with some legal implications in the court ((understood that the legal case is been happening between the original land lards and Venture seller by then)).

However, The Govt Offices is not permitting to do construction in the entire layout in which my PLOT is also exists and hence I also could not do construction on my PLOT eventually I could not avail the rest of the balanced Loan amount of Rs. 41 lacks out of the original sanctioned Rs 70 lacks.

But ING Vysya Bank after collecting the interest for 18 months on the released amount suddenly they have started collecting EMI on the Total Loan Sanctioned amount of Rs 70 lacks via checks submitted by me at the time of Loan sanction (( by then one EMI on Rs 70 lacks was done)). Having known this I have stopped my check payments and requested ING Bank to collect the EMI for only released amount of Rs 29 lacks and also requested to reduce the interest rates from 12.5% to 9% because every banks has reduced the home loan interest to 8% in the present market situation. I might have requested ING Bank to reduce the interest part because I had been paying them at very high rate of interest.

Since then I have been personally attending the ING Vysya Bank at HimyatNagar, Hyderabad several time but their treatment and response is just not tolerable and they way the Bank people are acting on me is of quite indication that they have been Harassing me.

Yes!! as a customer I might have requested them to reduce the interest rate to 9% but the ING Bank people have misunderstood and started sending the Defaulter Notices to me saying that I have to pay the last 8 months EMI dues on Rs 70 lacks of sanctioned amount and the huge penalties of Rs.180000, all these changes were never told to me.

Instead of replying to my requisition letters…….they threaten me that they will sale the property if I do not pay the EMI on the sanctioned amount huge penalties by showing some laws and sections.

In the bottom line even today; I am wiling to pay the EMI on the released amount of Rs 29 lacks without any penalties which are not applicable to me. But some times I feel like a filing a CASE against ING People because for the last 8 months they are harassing me in face to face meetings and also via threatening letters.

An early response on my above request will be great help to me!!!

Thanks in advance.
Anki Reddy
90000 81513

Anonymous   21 January 2010 at 01:26

surity for accused in acriminal case

cant a single person be surity for amothtr co accused in a 498a case?

Milind Joshi   20 January 2010 at 23:20

Sexual harrassment

After the famous Vishakha V/s State of Rajasthan certian guide lines were laid down and accordingly if there is a sexual harrassment at working place then the procedure is that there should be completed department enquiry. Are there any case laws wherein a person has been declared as chargeless of sexual harrassment and the High Court or Supreme Court has held it to be correctly conducted department enquiry and upheld the acquital? Please send me the case laws on this.

Arvind Singh Chauhan   20 January 2010 at 20:35

FIR HIMSELF

Sir,
In our state Revenue inspector ( Lekhpal) has been conferred with some police powers. One such revenue inspector lodged fake FIR, himself in his register, that "A" has misbehaved with him and disturbed him from performing official duty. Sir my question is that whether, one who himself is a victim of an offence can lodge FIR himself, who himself is registering authority?
Sir it is very urgent if there is any citation please help me.I have to defend the accused.

vijeta   20 January 2010 at 20:21

crpc

when a person is given life imprisonment does that mean that he is to be released after 14 years of imprisonment

gurcharn goyal   20 January 2010 at 20:00

A FEMALE CAN NOT BE A RESPONDENT UNDER DV ACT

can a female be a respondent under THE PROTECTION OF WOMEN FROM DOMESTIC VIOLENCE ACT, 2005. Under section 2(q) of the said act respondent is only a male.
And in the decision of gwalior bench
RCR Criminal 2007(4)930(M.P.)case namely Ajay Kant V.Smt.Alka Sharma it is decided that a respondent will be male. can you give me the Supreme court judgments in favor of Said citation.

gurcharn goyal   20 January 2010 at 19:57

A FEMALE CAN NOT BE A RESPONDENT UNDER DV ACT

can a female be a respondent under THE PROTECTION OF WOMEN FROM DOMESTIC VIOLENCE ACT, 2005. Under section 2(q) of the said act respondent is only a male.
And in the decision of gwalior bench
RCR Criminal 2007(4)930(M.P.)case namely Ajay Kant V.Smt.Alka Sharma it is decided that a respondent will be male. can you give me the judgments in favor of Said citation.

shantanu dekhane   20 January 2010 at 17:32

Ratio decedendi and obitur dicta

what is the difference between ratio decedendi and obitur dicta with reference to one example judgement.

Anonymous   20 January 2010 at 16:07

How can save lives?

एक महिला का पति एक प्राइवेट कम्पनी में काम करता है,उसके साथ तीन कर्मी और काम करते है,कम्पनी का एक मैनेजर अचानक उस ब्रान्च में चैकिन्ग के नाम पर आता है जिसे दो दिन पहले नियुक्त किया जाता है,वह सभी कर्मचारियों को कीमती सामान रखने की जगह से निकाल देता है और चैकिन्ग करने के बाद चला जाता है,उसके दूसरे दिन उस ब्रान्च का मैनेजर भी अपनी छुट्टी पर चला जाता है,जब वह छुट्टी से वापस आता है तो कम्पनी की चेस्ट से बहुमूल्य सामान कुछ संख्या में गायब मिलता है,वह ब्रान्च मैनेजर कम्पनी के बडे अधिकारी को सूचित करता है,बडा अधिकारी ब्रान्च में आकर सामान को चैक करता है और पुलिस स्टेशन में जो भी कर्मचारी काम करने वाले है सभी के नाम चोरी की एफ़ आइ आर रजिस्टर्ड करवा देता है,पुलिस सभी कर्मचारियों को गिरफ़्तार कर लेती है और अपने अनुसार तरह तरह के पुलिस वाले हथकंडो से उन कर्मचारियों से पूंछताछ करती है,उन्हे हवालात में जब तापमान उस शहर का दो डिग्री होता है तो बिना कपडों के हवालात में रखती है,तबियत बिगडने पर उन्हे घर भेजती है और दूसरे दिन फ़िर बुलाती है,जो शारीरिक रूप से बलवान होते है वे तो चले जाते है और जो कमजोर है उनमे से एक नही जाता है और वकील से मिलकर अपनी अग्रिम जमानत करवाने के चक्कर में रुक जाता है,इधर थाने वाले उसके घर पकडने के लिये पहुंचते है और घर पर वह व्यक्ति पुलिस के डर से नही मिलता है तो उस शहर के सभी अखबारों में खबर छप जाती है कि अमुक व्यक्ति चोरी के मामले में फ़रार है,डर से वह फ़िर थाने में जा पहुंचता है,और पुलिस उसे लगातार तीसरी डिग्री की सजा में रखती है,उसका अपराध इतना है कि वह पुलिस के डर की बजह से अपने बचाव के लिये अदालत का सहारा लेने गया था लेकिन अदालत का सहारा तो मिला नही,पुलिस की अत्यन्त दर्दनाक सजा मिलने लगी। जो भी लोग नौकरी करने वाले थे सभी की गृहस्थियां बिना भोजन पानी के और दूसरे शहर में रहने के कारण किराये के लिये तरसने लगीं,बच्चे जो स्कूलों में जा रहे थे बिना फ़ीस दिये घर पर बैठ गये,उनके माता पिता सम्बन्धित भाई बहिन सभी भूखों मरने की कगार पर जाकर खडे हो गये,वकीलों के खर्चे के लिये पैतृक समपत्ति को बेचा जाने लगा,और एक दिन आया तो सभी सडक पर जाकर खडे हो गये,जिस कम्पनी में वे काम करते है उस कम्पनी ने कुछ साल पहले यही किस्सा अपनी दूसरी ब्रांच में एक कर्मचारी के साथ पहले भी किया हुआ है,किसी मूल्यवान सामान को गायब करवा दिया गया,और जांच के नाम पर पुलिस को रिपोर्ट करवाकर उसे बुरी तरह से पिटवाया गया,उसकी बीबी बच्चे सभी बरबाद हो गये,उसकी गांव और शहर की सम्पत्ति बेच कर उसे पुलिस और वकीलों का खर्चा पूरा करना पडा,और आज वह दर दर का भिखारी हो कर घूम रहा है उसके पीछे पलने वाला परिवार दूसरों के घर पर भी काम नही कर पा रहे है,क्योंकि अदालत में उनके सम्बन्धी का चोरी में नाम है और कहीं वे भी चोरी ना कर लें इसलिये उनको काम भी नही मिल रहा है.यह वाकया बिलकुल सत्य है,और इस वाकया को जानकर क्या आप के मन में यह आता है कि कानून व्यवस्था भूतकाल में ब्रिटिस जमाने की व्यवस्था से भी बदतर हो गयी है,ला आफ़ नेचर क्या कहता है? फ़िर कानून क्या कहता है?

Anonymous   20 January 2010 at 12:57

sec 406/438

A supplied a motor component of Rs.60/- each to B,wholly export unit in the lots of 200 pcs upto 31.3.03 with proper excise/sales tax bills and received payment by cheque.B stopped business with A on 31.3.03 and started buying the product from third party. All export was on LCs, payment received on presentation of documents on despatch, thereafter claiming refund of excise and sales tax input in export on furnishing all purchase invoices. In 2009, after 6 years, A comes to B with some parchies , not proper challans, bearing B company stamp and signature of some ex-employees claiming that he supplied 80000 pcs worth Rs. 50 lacs during 2003-2006 just on approval without raising any bills of 200 odd lots supplied during this period and also forgot to ask for payment or any communication.B feeling blackmailed refused claim and A on the basis of few such parchies managed to file FIR u/s 406. Session judge relying on these parchies and without appreciating business modus operandi declined bail and high court also calling it as white collar offence asked B to deposit of whole of 50 lacs claimed in the court to get bail. Now SLP pending. cOULD you please help with your considered opinion with case laws.