Legal questions on Civil Law

Bank charges fees on emptied and abandoned accounts - Texas

We had several low activity business, personal, and custodial accounts at a local bank. The bank was bought out by a national bank. We decided to consolidate our accounts at our normal bank instead of this local one. We went to the bank and emptied the accounts. I intentionally did not close at least the business account at that time because I needed to download the history first. We starte...

Bank loan debt recovery issue.

My mother took a personal loan from HDFC in 2017 but later in few months she expired because of cancer. I am the only legal heir of hers since she was divorced. Loan background: Loan amount sanctioned was 7.5 lacs but only 3.5 lacs were credited in the account. The other half was supposed to be in a DD addressed to FULLERTON (to cover an old loan of 4lacs) but soon after my mother expired...

T&C's of Actuction property

The scenario is for the previous month. I saw one advertisement in a newspaper on 4 of September related to auction of property by Bank of Baroda. After a few days, I participate in the auction by giving 10% of the EMD amount to the bank. After 10 days(on September 24) bank was announced that I am the successful bidder because I was the only one who was participated in that auction. Now on t...

Passport impound

When i traveling from India to Canada on Imigrant visa then immigration officer told me my passport is blocked. i ask her reason for block then medam told me u send application to police your passport is lost. my passport was lost in july 2017 and so i do FRI in Police station my passport was lost and i want to new passport. but within month my passport found in home. so out my knowledge i di...

Is nominee liable to pay any loss to Insurance company

My Uncle who passed away recently had kept huge amount in Life Insurance policy under "Jeevan Shanthi" & "Jeevan Akshay" with option "A" & mentioned my name as Nominee. When I submitted my claim to LIC office to receive the benefits, to my surprise, I got a notice from LIC to pay back Rs 1.5 lakhs as they have paid Annuities for few months after the death of Annuitant. Now, my doubts are as fo...

Left UAE with loan and credit card due

I was working in UAE in a good firm. I planned to stay there for 5 years as i had many debts in India.. I took loan in Dubai and cleared all my debts in India. I repaid the loan EMI for an year. I lost the job in UAE due to melting market scenario. I attended many interviews, but didn't get job. Without having any other option I just left Dubai.. Bank sent me many email about EMI ...

Date of birth in Panchayat record doesn’t match with SSLC, PASSPORT and other documents

Sir , I am an NRI/NRK (non resident Kerala) working in Gulf for last 16 years since 2003. My date of birth in all my legal documents in India and Gulf is 1.05 . 1976. However, as I need to get a birth certificate for possible migration to Canada, and also for document verification in Gulf, we have found that the Panchayat record is 1.05 . 1975. Further, my name and my father’s name are not writ...

Mental harrasement for money lender

I have borrowed money from a friend of amount 60k in Jan 2018 but due to some circumstances could not return on time she was then asking for interest i said fine will pay u that, but when i still could not pay she said she will kidnapped my children from school which made me mad and i said i will not pay u any interest or any money, because the transaction was done in cash so nobody is aware of...

Notice from court to a Government department

My Uncle passed away 6 months back.After that we got a court notice regarding a debt that should be cleared, for which the settlement and case cancellation before Lok Adalat court has been done 3 months back. My Uncle is a govt employee, so he should get employee benefits which have been withheld as a communication has been sent from courts side to Uncles department to withhold the benefits whe...

Car ownership regarding

Hai Kaanoonians Good evening, I'm Ashok from Coimbatore, I bought a second hand car from a car dealership which is park and sell type. Dealer will allow you to park the car in his facility and he will find buyer then he will connect buyer and seller through his phone only. Once price finalized dealer will get Rs.5000 from buyer and Rs.5000 from seller as commission and he will get papers fr...

Recovery agents harassing near and dear ones for recovery

I have being defaulting my credit card payment as major loss in business, i had spoken to the recovery agents earlier in 2018 and given then 3 post dated cheques, the cheques given to then were not deposited in time by them. On the third month i received a call asking for payment. I asked them where are the cheques and why r they not deposited on time. They disconnected and within five minutes ...

Name difference in Pan and Aadhar

Hi, I am from south India and we do not use full surname, instead use initial as our surname (K in my case). All my educational certificates, Aadhar card, driving licence have the initials as my surname. Now, in my Pan card initials are not accepted as surname. Because of this I am not able to link my Pan card with PF accounts and facing other issues for Pan linking (I already have a pan ...

How to stop recovery agent calls and visits for Collection and harrassment

I took a personal loan of 2.5 lakhs from a well-known NBFC finance company on 2017 and till 2019 Feb am paying EMI's on time. They offered me a top up also for my regular payments and I took when my mother was ill and joined at Hospital. For these two EMI's up to 2019 Feb 19 have paid on-time and due to my last company closing and nil receivable payment from my last worked company, have skipped...

School not providing TC for my Children

Hello Sir, I'm Sujith Kumar, working as a technical manager in a private computer institute in Mangalore. I migrated to Mangalore from Kochi last year and admitted my twins (daughter and son) in Narayana Guru Primary School in Kudroli , Mangalore in first standard (Unaided Private School). While admission the HM demanded the original copy of the birth-certificate in their permanent custod...

Loan Issue

I have opted for hair treatment from vibes gachibowli, they asked me to apply for loan from their tied up merchant capital float for an amount of 30000 INR. So I have provided my details(aadhar card, bank account etc..) to vibes. Later I got call from vibes stating your account details are incorrect so loan is not approved. The next time I have visited them Pai d the entire amount for treatment...

Harrassment by flat owners association

I own two flats in kerala one with 589 sqft and other with 250 sqft., in same complex under same owners association.As per construction agreement signed between all owners including me separately with builder, the maintenance charges to be paid is proportionate to undivided share of each flat. But the association wanted me to pay same maintenance charge to both the flats. So I did not pay maint...

I am a respondent and what should be my defence of woman allegation ?

What should be my defence of woman allegation , i am a respondent?? John is a professional photographer working in a leading Company which sells apparel for expecting mothers. He has three sisters. The second sister is a doctor and has two kids. John is a very devoted brother and frequently visits the hospital where his sister works. His sister works at one of the leading hospitals which is fa...

My father is dead & now the creditor wants to recover from father’s portion in ancestral property.

The creditor has obtained a decree in the trial court against me to pay my father's debt for a sum of 15 lakhs. Now that the case is in the high court and I’m becoming stronger to not be obligated for the debt. The creditor at this juncture has applied an IA in the high court to show that my father has a portion in the ancestral property and the same has to be attached for recovery. It is pr...

Non compete clause

I am a musician. I joined a private music Academy in june 2018 and started teaching indian classical music there.. At the time of joining Academy the owner lady made an agreement on simple papers (not on stemp paper or revenue stemp) and she added the a non compete claus, which was as under; NON-COMPETE CLAUSE - You are not allowed to start your own music school/institute or any other activ...

How to get NOC if higher authority denied to issue it for appearing in interview for the same scale?

Dear Sir, I am working at an university (central govt) with grade pay level 10 for the last one and half year. Now due to my family reasons I had to apply to an another university but for the same grade pay (Level 10). Regarding this I asked for a NOC to my university which was rejected by the authority(higher level) and they straightly denied to issue the NOC. Although, I have sent an advance ...