Advocate Mohan H N

Questions Answered by Advocate Mohan H N

Q: Want to close a personal loan but bank asking fee as under fixed rate

I have a Personal loan and i wanted to Pre close the loan but the bank informed me that i would be charged a fee as i'm under a fixed rate but on my online banking account I see that it is mentioned as floating rate. when i informed this I was told that it was due to an error and the correct rate is fixed. Now I requested them to take the charges as well and close the loan via neft from same bank. they are saying it will take 15days to close the loan.. I want to know if this can be taken legally as delay to close the loan and wrong information presented to customer??

Advocate Mohan H N answered
Dear Friend,This is the way the banks are cheating common men. I would advise you to provide me the documents based on which I can inform you what is the best we can do. In most of the cases, banks change the rules according to their requirements.

Q: Physically and verbally harassed by security guard of the apartment

I had an argument while vacating the flat for deposit money, they gave me the money but they told security guard to drag me out of the apartment as I was waiting for the truck to load my things, he came and dragged me and hit my friend who was there to help me out for the shifting and the whole apartment people passed so lewd comments on my character and verbally harassed me.

Advocate Mohan H N answered
Dear Friend, You can file a defamation suit against the person who has tried to tarnish your image in the society and it is very clearly laid out that nobody has the right to harass a person in any kind of circumstance. Your friend can also launch a police complaint in the said matter for assault.