visuiyer
26 July 2025 at 15:49
I had availed a personal loan of ₹6,00,000 at 13% per annum for a tenure of 48 months from Axis Bank. I have been a disciplined borrower and have paid every EMI on time without fail.
However, now the bank is demanding a 49th EMI to close the loan account, which I believe is incorrect and misleading.
When I questioned this additional EMI, Instead of providing the required proof, the bank sent a generic amortization statement on a plain white sheet—without any official signature, or on letterhead, or authentication. This amortisation statement is easily available on various online EMI calculators and does not serve as proof of claim.
Therefore, I requested the following documents:
1. A copy of the original loan sanction letter or agreement.
2. Month-wise loan account/billing statements from 15th July 2021 to 23rd July 2025.
3. A formal written justification explaining the basis for this alleged 49th EMI.
But the bank failed to provide the documents by not responding despite repeated requests and reminders, with an intent to recover the unjustified 49th EMI.
I suspect this could be either: Professional negligence, or A deliberate attempt to extract an excess payment without transparency.
Now, I am in a dilemma:
- If I don’t pay by 12th August 2025, my CIBIL score may be affected.
- If I do pay, the bank may remain silent and refuse refund, continuing this non-transparent practice.
As a senior citizen, this situation is causing me considerable mental stress. Therefore, I humbly seek your expert opinion on:
- Whether I should proceed with payment to safeguard my credit score.
- Or file a civil suit or writ petition against Axis Bank for falsely claiming an excess EMI of ₹16,097 without proof.
Veterans please guide me.
Aseem Vaishya
26 July 2025 at 10:10
One particular person is harassing us by lodging false complaints in various departments. Many times, the investigations are carried on by departments, and nothing wrong has been found so far. Still, that person is lodging complaints. What legal action can we take against him?
Mee Shh
26 July 2025 at 10:07
In the criminal(498a, since 2019) and maintenance cases(125 crpc since 2023) against me, my lawyer has been delaying for years without doing cross-examination. Now the court has given a final opportunity on 05/08/2025, but even on that day, he said that he has some other work and will not be able to come. When I object his act he is saying that he will give NOC only if I give 3 lakhs . Now how can I hire another lawyer without NOC? If no lawyer will represent me without NOC, then I want to pursue the case myself without any lawyer, please advise me on how to apply to the court in this regard.
Anonymous
25 July 2025 at 11:27
We are residing in Nanganallur and we are 10 house apartment .Flat was constructed in 2000 year and we had registered under Registered under cooperative society .Do we have to change anything now for current scenerio.
S Jegadeesan
24 July 2025 at 22:58
Sir
I would like to clarify some doubt regarding Registration of a sale deed.
My Friend has bought some Agri Land in 2001 through Sale deed executed by Subramanian who was one of the legal heirs of Deva . Thereafter my friend sold the same to me on 28th Mar.2025 . But the sale deed has been registered and not handed over to me due to Protest Petition filed by some legal heirs of Deva & SRO informed that it would be released after inquiry with the Protest petitioner .
But I contested that nobody can claim after 24 years of the land sold by his brother since it is time barred and also the land has been allotted based on oral partition to Subramanian by then Land Owner Deva . Further Deva left so much of other properties to his other legal heirs .
But SRO Refused my reply & returned the Sale Deed with Refusal check Slip . Hence I approached the High Court and Filed Writ of Certiorarified through my advocate and got the order in favour me on 8th July.2025 .
Due to order is pending to upload in the portal, I could not approach SRO.
In case I will get the order after 27th July 2025 then 4 months period will be over from the date of execution of sale deed .
1) Whether SRO can refuse to register the same since it is beyond 4 months from the date of execution or
2.) Four months period will not be applicable to this case ?
Actually the delay happened due to ignorance of the SRO. Even I have clearly explained with case laws as there is no power to refuse based on Protest Petition and it is not a duty of SRO to investigate about title, simply he refused but now Court ordered to register the same sale deed which has been already complied with all the registration formalities including Signed by both of Buyer , Seller & taken photo in front of SRO and allotted Pending document Number , SRO also Signed with Seal.
It would be great help to clarify the above
kunhi marakkar
24 July 2025 at 11:00
There was a cheque case against me in the year 2000. Since I was abroad and could not appear or face the case, it became a long-pending case. At the same time, my sister filed a partition suit to divide a property that I jointly own. Will the party who filed the cheque case attach the portion that is to be divided to me through the court? If that happens, will it be auctioned and sold without hearing my arguments? Will there be any obstacle in distributing my share?
Anonymous
21 July 2025 at 13:45
I am a student who was offered freelance work by a company named Microworkers India (via their website: microworkers.in). I was asked to sign a digital agreement, share Aadhaar/PAN/signature, and complete 600 form submissions.
I submitted 301 forms but was then threatened via email from someone claiming to be “Advocate Rajesh Mishra” using a Gmail ID (lawfirm.legaldepartment.in@gmail.com). He cited IPC sections (420, 406, and Contract Act Section 73) and demanded ₹6,400, saying legal action would be taken if I didn't pay immediately.
I have:
Screenshots of all emails, chats, and the agreement
Proof that the deadline was unfair (they gave me only 5 days, not 6)
No official court notice or police complaint, only emails and WhatsApp messages
I now fear for my privacy and reputation. I want to confirm:
Whether this kind of agreement is legally binding
Can they really send notices to my house or take me to court?
What action can I take under cyber or criminal law?
I want to resolve this safely, keep my identity private, and take action if possible.
Thank You
S.K.SARRAF (ADVOCATE)
21 July 2025 at 13:38
What sections involve in Cyber fraud complaint , whatsapp financial cheating ? embezzlement in name of stock rates ?
Rajamsc2003
19 July 2025 at 08:48
Hello Team,
My father have some land in his name, he had two wife's, my mom is first and have only me and her second wife had two girl kid.. now he is okay to write all his property to me. My mom is died in year 1979.. during that period no aadhar or any other proof. Is it mandatory to get her death certificate?. Kindly clarify. Thanks in. Advance.
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Case status
Since the number of a criminal case that was made long pending in 2000 is only 3 digits, it is not possible to check its status through ecourt now. How to get the new number?