Advocate Pise Sudhakar Bhanudas

Questions Answered by Advocate Pise Sudhakar Bhanudas

Q: Twice Paid Emi For One Month And Refund Of One Emi Back

My last month emi was not deducted even after having sufficient balance and unnecessary due has been applied on me and this month also no emi was deducted between my due date which is ecs and to pay those emi link was provided to me from bajaj which I visited the branch and the employee told me to pay through that link to avoid unnecessary due again and I paid the emi after which within 2 hr again my emi of 57000 got debited automatically from my account to which the employee is saying he will revise the payment and things are in process it has been 10 days now no update from there anymore my twice emi was paid which i want it return from the bank what should I do now

Advocate Pise Sudhakar Bhanudas answered
You should contact with higher authorities of the bank and inform the fact and request for reversal. If not reversed issue legal notice through advocate and if not reversed file the case against bank in consumer court and claim the reversal amount plus cost such as legal charges etc. Also complain to ombudsman of the bank.

Q: Overdue Charges Even After Having Sufficient Balance In My Account

I have 65000 emi from bajaj finserv. My bank account is in Union bank. For this month of October they charged me 6000 emi bounce charge even after having sufficient balance in my account. Bajaj is stating that there was some KYC issues with my account, but I contacted my bank related to this but they stated there were no such issues with your account and other transaction were also done from my this account but no such issues faced. I have mailed bajaj with passbook copy which states account having sufficient balance during that period. But they denied this also stating it was an issue from your bank. So again I contacted my bank and asked them to provide me a letter which says my account was active from 25 September to 5 October and all transaction were done successfully. My bank manager provided me this letter from bank. Now again I mailed bajaj attaching this letter but they denied this too saying I have to pay the overdue charges. What should I do please help

Advocate Pise Sudhakar Bhanudas answered
You issue legal notice through an advocate for refund of charged amount along with your legal cost. Otherwise file the case in consumer court against the Bajaj Finserv. You have already submitted Bank's letter confirming your balance, operative account and no pending kyc to Bajaj Finserv .Also submit these documents in consumer court.

Q: Fake Transaction From icici Bank By Sales Officer In Her Account

I was Icici bank customer a Sales officer has done 10000 rs transaction from my account without my permission I was in relationship with her 6 month ago no physical now she is saying she will file fake complaint on me , I already file complaint in her bank what to do

Advocate Pise Sudhakar Bhanudas answered
Sales officer of the bank has made a transaction of in your account without your permission. You have already complained with the Bank for reversal of the amount. If not reversed you may complain against the bank to Ombudsmen and bank's higher authorities.

Q: Harrasment By Recovery Agent For Unsecured Loan Recovery

I was director of company. Unsecured loan was taken by company, i was signatory as director. This is 4 years old loan. Company is NPA. The finance company has not sent any notice to me but harrasing me & family. How it can be tackled legally ❓️

Advocate Pise Sudhakar Bhanudas answered
The company has a seperate legal entity from it's directors. The company has availed loan from financial company and the account of the company became NPA as there was no repayment of loan amount. The financial company is harrassing you for repayment of loan. You inform the financial company that you should first issue notice to company, take all measures for recovery of the amount and then we will consider for payment.

Q: A loan of rupees 9,55,000 borrowed from nbfc company during 2013 Oct,out of the cost of vehicle rupe

A loan of rupees 9,55,000 borrowed from nbfc company during 2013 Oct,out of the cost of vehicle rupees 13,34,589. I paid down payment of rupees 3,50,000. I repaid emi's total rupees 675477as on 31_03_2016,and due balennce for rupees 2,79,955.dureing 2017 nbfc company suit field sec 138 Ni act,for rupees 10'67,500 at Mumbai court irrilavent on manpulated basis.wuhile so the company has also field another suit sec 406,420,120b,at Kolkata court for total amount of the vehicle rupees 13,34,589.irrilavent to the actual due amount and also stated stolen the vehicle by the customer we produced nessary payments made as per the company computerized balennce sheet that the two cases are pending now while the matter stood so one another company sent me notice that the purchased the my aggriment rights from the earlier company on March 2019,and heance demanding to pay total sum of rupees 13,34,589.ignoreing the payments made erilier and also the pending casess at Mumbai court and also Kolkata cou

Advocate Pise Sudhakar Bhanudas answered
The company has to recover the amount of balance outstanding as on 31.3.2016 plus interest unapplied from that day till date of suit. You say that you have repaid Rs.6.75 lacs till 31.3.2106. Your repaid amount partly includes amount towards principal and partly towards interest amount. Considering the rates of interest charged by company at compound rates and the period of five years the amount demanded by company may be correct. You have to to discuss with the company and honourable court for grant of concession in principal amount as well as in interest amount so that the amount is minimised and pay amount if you agree for it.