Forfeit of signatures in bank for dwakara loan
SOUJANYA E.V.L
(Querist) 07 July 2016
This query is : Resolved
Hi iam soujanya. Iam secretary in one of the dwakara groups in AP. The query is that one of the member has forfeited the signatures of 8 members for a loan of 40000 for a co member. For the second time . Despite of the warning given to her for first when the president of the group did the same in the bank on a 100 rs stamp paper. The problem is that one of the incharges have torn the paper where she forfeited the signatures. And also out of the 10 members 5 members belong to one single family. And other members except me listen to whatever wrong she says and does. Mee though fighting against all her acts not able to convince other members against her as 5members are from their own family and 3 members are family relatives. The lady who is creating havok is clearly cheating everyone and no one is able to see that. Iam alone fighting against her and becmng the villan of the every episode fought. The incharges instead of penalising her asking me to leave the group.
SOUJANYA E.V.L
(Querist) 07 July 2016
One more thing to be added is that incharges have to give the cheques with the consent of president or secretary of the group but they gave to the member with out the consent and knowledge of the secretary and president. The lady has deposited the amnt into a loan acc instead of savings. So the amnt deposited can not be debited. And now the incharges are asking all the members to pay the amnt with a lnterest little bit high. How can all the members be asked to bear the circumstance of the mistake done by the incharges and that particular member. And these incharges are trying to cover their mistake by asking me to leave the group. So that there will be no one to point out there mistakes. I wud like to know what are my rights to fight against these pupil.
SOUJANYA E.V.L
(Querist) 07 July 2016
One more thing to be added is that incharges have to give the cheques with the consent of president or secretary of the group but they gave to the member with out the consent and knowledge of the secretary and president. The lady has deposited the amnt into a loan acc instead of savings. So the amnt deposited can not be debited. And now the incharges are asking all the members to pay the amnt with a lnterest little bit high. How can all the members be asked to bear the circumstance of the mistake done by the incharges and that particular member. And these incharges are trying to cover their mistake by asking me to leave the group. So that there will be no one to point out there mistakes. I wud like to know what are my rights to fight against these pupil.
Sudhir Kumar, Advocate
(Expert) 07 July 2016
not understood what do you actually mean by
"has forfeited the signatures of 8 members"
do you mean forgary?
Sudhir Kumar, Advocate
(Expert) 07 July 2016
"The lady who is creating havok is clearly cheating everyone and no one is able to see that"
what are the cheated persons doing against her.
Are you one such person.
Sudhir Kumar, Advocate
(Expert) 07 July 2016
" And also out of the 10 members 5 members belong to one single family"
what doe society constitution say.
Sudhir Kumar, Advocate
(Expert) 07 July 2016
" . Despite of the warning given to her for first when the president of the group did the same in the bank on a 100 rs stamp paper. The problem is that one of the incharges have torn the paper where she forfeited the signatures. "
Not able to convey what you mean.
Sudhir Kumar, Advocate
(Expert) 07 July 2016
"One more thing to be added is that incharges have to give the cheques with the consent of president or secretary of the group but they gave to the member with out the consent and knowledge of the secretary and president. The lady has deposited the amnt into a loan acc instead of savings. So the amnt deposited can not be debited"
absolute vague
who gave cheques?
why gave cheques?
who were beneficiaries of in whose account were these deposited?
from where these cheques were to be debited?
why cannot be debited?
Sudhir Kumar, Advocate
(Expert) 07 July 2016
"And now the incharges are asking all the members to pay the amnt with a lnterest little bit high. How can all the members be asked to bear the circumstance of the mistake done by the incharges and that particular member."
Your blog gives indication that members have no objection in being cheated.
Sudhir Kumar, Advocate
(Expert) 07 July 2016
"I wud like to know what are my rights to fight against these pupil. "
Is it a school.
Sudhir Kumar, Advocate
(Expert) 07 July 2016
what is this society about?
what is the group which you are being asked to quit.
Guest
(Expert) 07 July 2016
Signatures cannot be forefieted. Please be clear what actually you want to convey.
P. Venu
(Expert) 07 July 2016
What is dwakara group?
SOUJANYA E.V.L
(Querist) 08 July 2016
Dwakara groups are the groups formed by the ladies to do some business. These groups are helped by the state government of Andhra Pradesh. The state government provides loans to these groups through banks on less interests. To encourage the ladies to become independent financially.
SOUJANYA E.V.L
(Querist) 08 July 2016
Each group contains min of 10members. Two members are elected as president and secretary randomly. They take care of all the paper work and decisions to be taken.
SOUJANYA E.V.L
(Querist) 08 July 2016
I am sorry I am unable to explain the situation through message . Do we have any option of talking on a call.
Sudhir Kumar, Advocate
(Expert) 08 July 2016
If you put facts clearly you will be able to convey. Specific vagueness have been shown to you. Or else meet a lawyer pay his fees.
Guest
(Expert) 08 July 2016
signatures can be forged, not forfieted. If that is the case and you have proof of forgery of signatures of other members, you may better report to the bank and also lodge a complaint with the police in the capacity of secretary of the group. Otherwise, on comin to notice, you will be nabbed first for hiding the information. Moreover, a the secretary has the greater responsibility to run the group honestly and efficiently, as compared to other members of the group. But, if the loan was recommended by you as secretary, you can also be questioned. So, precaution and boldness is quite necessary.
However, if you can't do that, for mental peace, you may better resign from the post showing the reason of dishonest working of the members.
P. Venu
(Expert) 08 July 2016
Having explained what is "dwarkara" group, please state the simple facts, avoiding personal opinions.
Rajendra K Goyal
(Expert) 08 July 2016
Probably it is group under self help group.
Any forgery is criminal act, any member can inform police / project officer of District Rural Development Officer / Additional deputy Commissioner of the district who is ex-officio head of DRDA in the district / concerned Bank arranging finance.
Sudhir Kumar, Advocate
(Expert) 08 July 2016
querist is yet to intimate the reaction of the cheated persons.
As per her version they are happy being cheated.
