Raj Kumar Makkad's Expert Profile

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Raj says : Matrimonial
Hello, Can you please tell if how can I get a video conferencing permission to attend my case proceeding in Delhi. If you can tell me some forms to be filled will be of great help. Thank you Raj

falguni says : Bank harrasing my family. Please help.
My husband took a loan of Rs 2 crore from PNB bank for developing a milk plant. For the loan he mortgaged all our property including our family house ( worth 60 Lakh Rupees), 100 bigha land ( worth 60 lakh Rupees) and the factory itself which was valued at Rupees 1.5 crore. My mother-in-law also gave guarantee of the farm land worth 2 crore and our also another building that we owned. So basically everything that we had, my husband mortagged it for this factory. He died from heart attack in December 2010, and I being a housewife never knew that he had done all this and he never told me anything about it as well. After he died, the bank started calling us ; they came just after a week of him passing away and made us ( legal heir's - me, my daughter, my son and mother in law) sign some bank documents saying that it is just a formality that we needed to do. At the time we were grief striken and didn;t think much before signing or talked to any lawyer. As the months passed the Bank NPA the accounts and auctioned for our house and the factory. Both properties sold for 1.9 crore. Me and my kids were left without a home and now renting a house. After the NPA and all these months they say that they have charged more interest on the loan and that the total value we own them is Rs. 90 Lakh. If I want to do a settlement, they said that they cannot do a settlement or waive off the interest. Can a bank do that? Now they want our farm land plus the other land as well ; we are left with nothing. I don't know where to go. I am a widow with 2 kids I need to take care of. My mother-in-law is also not in a good condition. She says that if the bank doesn;'t stop harrasing us she would commit suicide because of the tension. We are ready to give the bank the principle amount of the loan but they don;t want to waive off the interest. Can a bank do that? They keep calling us regularly saying how they will take all our property for the loan. They've already taken our house, I really need help. Is theer any law I can take legal action against them? Or consult Human Rights for all this harassment?

Mr. Hitendra Shah says : Criminal
If a POA is notarized on 01/02/2011 by Share Broker for its Client as he was providing finance in Margin Trading. It is notarized BLANK, through the Notary of the Broker, without filling in the details of Bank and Demat Account NUMBERS on the said Blank POA and it is handed over to Bank for accepting it and for verification. Bank accepts it Blank as verified and getting filled the account opening forms through the client via Broker on 04/04/2011. Bank opens Bank A/c of the client on 12/04/2011 and Demat A/c on 14/04/2011 and the account NUMBERS of the said accounts are filled in the said POA by the BANK in its own way. The Client clears all his dues along with interest on 14/09/2011 but the Broker sells all the Balance shares of the client after 14/09/2011 and realised money he transfers in other's A/c fraudulently with the help and support of the said Bank and POA holder of the client. The POA holder was Broker's one of the employees and signatories because the Broker provided Finance to the client in Margin Trading. I would like to know from the Experts that 1) Whether the said POA is Valid or Invalid because POA was notarized before the said accounts were got opened. POA was notarized on 1/2/2011 and Bank A/c was opened on 12/4/2011 and Demat A/c was opened on 14/4/2011? 2) whether the POA is valid document for the said accounts or whether the said accounts are valid for the said POA? 3) whether is it believed that POA was got Revoked as soon as the Bank filled in the invalid account numbers on the said POA? 4) Whether should the client file a civil case for his claims making party to the Broker or Bank or POA Holder? What is the best option in your opinion? Whether he should file case on Bank for the Claim? In this case I have few more queries that I would like to ask you in other part. Kindly explain me with your expert knowledge. Thanks. XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX 2nd Part :- There was conspiracy between the Bank, Broker and POA Holder. With some reasons in the mind, the Broker and Bank got opened the Bank A/c of the client as if he is a Company or a Partnership firm by filling "Non Individual" Bank A/c opening form from the client. The Broker got signed from the client on the POA, at the bottom of POA, as Director/Secretary/Partner. Now the POA is in the Individual name of the Client and the Bank A/c is in the name of a Company or Partnership Firm. So whether the said POA is Valid or not? In the Bank A/c opening form there never be required to fill the details of POA Holder in the said form by POA Holder, but the Bank allowed illegally to POA Holder to fill the details of POA Holder on the said Form so that he can operate the said Bank A/c. The Broker and Banker got filled from the client "Corporate Internet Banking Form" for opening Internet Bank A/c of the client and got opened Corporate Internet Bank A/c of the client and similarly the POA Holder filled his details in the said form to operate the said A/c. The signature of the client on the POA and Demat A/c opening form differs significantly. In the POA he signed as S. J. Master and in the said Demat A/c opening form he signed as Shantilal Master. in such situation can POA holder operate the Demat A/c of the client? Kindly explain and guide to the client that how he should proceed? Thanks. ***************************************** Last and Remaining Part:- Sir, how the said POA be said valid when POA was notarized before the accounts were opened? In other 3 cases, in the verified POA, verified by the Bank, there is no detail of Demat A/c Number is mentioned on the POA but POA Holder has operated the said Demat accounts of the Clients. There was only one POA Holder in all the cases whereas the Demat accounts of the clients have been operated by other persons also signed as POA Holder.

makar says : help
sir firstly i am was engaged with a girl few months ago.now there is some problem with that girl. if i marries another girl what legal problems would i face ? what would be its consequences sir ?

PRAGNESH says : Sales Tax Practitioner
Dear Sir, I have done B. Com. and M.com and Deploma in Tax Planing. I am able to be a sales tax practicner in Gujarat?

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