Anonymous
5 years ago
Dear Sir,
Greetings. Mine is a Proprietary Company. I have availed a Term Loan of Rs. 20L & a CC of Rs. 20 L from a nationalised bank in the month of August 2018 & the entire loan is covered under CGTSME which is still in force & the premium is being paid by us for the same.
I have been running a restaurant. My business is now shut since beginning of Covid -19 from April 2020 .
Prior to this, I had taken 2 similar loans , for a period of 5 years, which were prepaid much before time
I had been servicing this loan till February 2019 not allowing it to slip to NPA. Even now the loan is still not declared as NPA since the bank has given me a moratorium of 6 months from October 20th, 2020 onwards. I am unable to continue the business since the same is not viable any more.
Under the circumstance, the bank may have to declare me an NPA . When the loan is covered under CGTSME,
1) Can the bank recover the same from me even though there has been a genuine business loss?
2) Can the bank lay claim on any assets possessed by me but not procured from these funds availed from it?
Please note that there is no collateral given by me to the bank for the abovementioned loan.
Warm regards,
C N SURESH BABU
5 years ago
Sir,
General Manager is the disciplinary authority whether vigilance department authority can approach higher authorities like executive director, Managing director for disciplinary against employee to is issue charge sheet and appoint enquiry officer etc
Arvind Kumar
5 years ago
We are staying in 70 years old dilapidated building in the Mumbai suburbs. The present landlord is officially neither on papers nor is interested in repair or redevelopment. We are 8 tenants of the building.
We want to initiate the process of forming the association and go for redevelopment on our own. Apart from CTS no. and online Property card we don't have any other building documents.
We have water bills, electricity bills, Aadhar, and ration cards.
Anonymous
5 years ago
My paternal grand mother had written a WILL in 1970 on an immovable property(built house) in favour of her elder son with a condition that he would get the ownership after paying half the value of the property to her younger son. Elder son happens to be my father. After his death, his wife(my mother) shall get the ownership of the property only to the extent of enjoying the premises for full life term and then it shall be passed on to her two sons(me and my brother) with absolute rights. That is the background and the content of the WILL.
My grand mother passed away in 1972 and my father in 1978. According to the condition in the WILL and as per an understanding within the family, we(mother, me and my brother) together paid half the value of the property(assessed by a certified valuer) and got a signed document from my father' younger brother, endorsing the receipt of cash as his share and also relinquishment of his rights over the property. Right now, according to WILL, my mother is the sole owner of the property. She is 87 years old today and healthy.
My query is follows: Me and my brother being senior citizens and over 60 years, would like to generate a document to pass on the same property to our sons with my mother being alive. Obviously, we don't have any rights over the property as long as she is alive. But my mother has no problem in signing any document to affect the transfer after her life term. Can we write a WILL or go in for another type of legal document(registered or unregistered) for effective transfer of property to next generation? Kindly suggest how to go about.
suneetha Jain
5 years ago
Sir, My Query is My Brother, aged 42 now is terminated before the end of his probation from SBI 07 years back citing non disclosure of pending case (false case related to his marriage which was closed in Lok Adalat in 2013) at the time of appointment. He filed a WP in Hon'ble High Court and Hon'ble High Court allowed the WP and directed the Bank to reconsider the issue. But, SBI replied that they have reconsidered the matter and are sticking to their initial stand of termination. So, again, My Brother filed another WP (he could not file contempt of court case as SBI says that that it reconsidered the matter) in Hon'ble High Court. But, for the past 3 years, SBI is not filing the counter. My Advocate says that SBI needs to file the counter for movement of the case. Please suggest what should we do??
suneetha Jain
5 years ago
Sir, I am aged 40 and my Husband aged 45. We have no children. Can I adopt our relative's son aged 28 now.
Vimal C Shah
5 years ago
Dear Sir
I am stating at 9th floor and there is a severe water leakage from above flat. Number of requests are made to the owner of above flat. He got some repairs done but still issue not resolved. My bedroom and bathroom is heavily leaking and may cause strucutral weakness.
Owner of above flat is not taking concrete steps to repair. Society Secretray also number of times requested the owner to get this repaired. In last tow AGMs also , the issue was discussed and still not resolved.
What process can i follow to resolve this issue.
Anonymous
5 years ago
Hi,
My father passed away on 2018 february.We applied for legal heir certificate after that with members in the family(including grandma),She then passed away due to cancer that december 2018.She didnot wrote any will nor in a position to understand whats going on. Now,We want to sell a property of a father, can we just sell it just like that, or does it involve any legal needs.
hari prasad
5 years ago
My grandfather expired before 2005, and my father expired in 2016. Both of them dint leave any will against a property. It's in the name of my grandfather and father jointly. Among my grandmother(alive), mother, me, and sister. how would the property split happen? Also, can my grandmom register/sell the property without anyone else's signature?
Follow-up question on top! Since my father and grandfather passed away, House tax receipts are changed in the name of my grandmother from 2017-18. she also collected the Gramakantam certificate from the Panchayat office. Using the above 2 documents she sold the property to a 3rd party without my Family's concern. When I looked through the Certfiedcopy certificate its mentioned as the property is passed on to my grandmother from ancestors whereas in the original documents which I have it's mentioned as self-acquired. The sub-registrar response was since she has submitted both house tax receipt and Gramakantam certificate, Two documents would be enough, and legal heirs signatures aren't necessary. What can be done in my current situation? is proceeding legally via court the only option?
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Space between first and middle name create problem
In my educational qualification my father's name written Tej narayan jha and in my adhar card, pan card and voter card father's name is Tejnarayan jha.
No spelling mistake!!!
It can create any problems in Govt job.