Advocate Pankaj Bajaj

Questions Answered by Advocate Pankaj Bajaj (1000+ answers)

Q: Interim stay on unilateral loan closure under Section 38(8)

I financed an auto loan from IndusInd Bank. Vehicle was burned within 5 months. I filed a case in Ahmednagar Consumer Court. Insurer paid Rs 2,00,000, and I paid Rs 13,903. Total loan stands 100% cleared strictly "UNDER PROTEST" on 30-09-2026. Bank suffered zero loss, earning profit.On 22-09-2026, I legally objected to bank's forced foreclosure to destroy my right to vehicle substitution under Clause 1.1. In legal reply, bank states: "Any amendment to asset particulars... engine/chassis/registration particulars... cannot be construed as conferring an unilateral right... without Bank's approval..."The Judge at admission stage specifically asked: "Is there any past judgment or decided precedent regarding vehicle/asset substitution under a loan agreement? If yes, present it."Most victims lack insurance or are defaulters, so no precedent exists. How can I urgently get an Interim Stay under Sec 38(8) to freeze account status and stop unilateral closure? Advice needed.

Advocate Pankaj Bajaj answered
File an urgent Sec 38(8) plea citing balance of convenience. Argue that without precedent, the court must interpret concerned Clause in consonance with the concerned laws of the land. Hope you got the due clarity.

Q: revocation of the grant LOA of Will,Interim Relief rules with sec 151

Sir, Please show me Grounds for reject the Interim relief to Applicants If the Property is registered Joint name of testator & respondent (Beneficiary of Will) Please send me Judgement same as my matter. Beneficiary of will two sisters and mothers, thanking you.....

Advocate Pankaj Bajaj answered
Interim relief can be rejected if the property is jointly registered in the names of the testator and respondent, as a joint tenant holds a right of survivorship and their share doesn't automatically enter the estate via a Will. Relief is denied if applicants fail to prove a prima facie case, balance of convenience, or irreparable injury.

Q: Need refund of booking and taxes

I have booked a property and gave Rs 51000 as a booking amount. I got the cost sheet with the details of flat and total amount bifurcation. The builder asked to pay the Stamp duty, registration, GST and legal fees before making the agreement. I gave Rs 8,75,100 via 2 cheques but they didn't give any receipt for this.I haven't signed any agreement and want to cancel it because the builder is forcing me to sign agreement with illegal clauses that are against RERA rules. Will I get the refund?

Advocate Pankaj Bajaj answered
You may seek refund of the entire amount, as no agreement is executed. Issue a legal notice demanding refund, preserve cheque/bank proof, and challenge unlawful clauses under RERA and applicable laws.

Q: Urgent Legal Advice: Student Expulsion and Privacy Violation

I am a 16-year-old student facing expulsion after accidentally leaving my personal ChatGPT account logged in on a school computer. Someone accessed and recorded my private conversations, which were conducted entirely at home, and showed the video to my parents. The school is citing personal account usage on school computers as grounds for expulsion. I seek urgent legal advice regarding privacy violations and challenging disproportionate disciplinary action.

Advocate Pankaj Bajaj answered
The school cannot impose disproportionate punishment without following due process. Unauthorised access, recording and disclosure of private chats may raise privacy and cybercrime issues. Seek an inquiry, preserve evidence and challenge expulsion.

Q: What's the issue about written statement or WS

My opposite advocate was talking about pressing WS on last date ..what is it .n what happens after it ..can we give our statment after this too..or we can't get any chance to give reply after this ..any advice veterans ..thnk u ...

Advocate Pankaj Bajaj answered
If by WS you mean Written Statement, it is the respondent's formal reply to the divorce petition. Thereafter, the Court may frame issues and proceed with evidence. You will get an opportunity to lead evidence, file affidavits and cross-examine witnesses. Your right to present your case does not end with the WS.