Advocate Ramneek Mishra

Questions Answered by Advocate Ramneek Mishra

Q: Legal Notice due to cheque bounce of loan repayment

Dear Sir/Ma'am, I have received legal notice against of my unsecured loan I have paid 3 emi out of 6, But last 3 emi didn't paid. due to family expense and my medical expense. they sent me legal notice to pay amount. notice period date not mention and also lender company name is not mention on the legal notice, is it valid legal notice. what should I do Please suggest me.

Advocate Ramneek Mishra answered
The period of mentioning notice period is not essential at all, but the detail of lender company needs to be their.As far legality of notice is concerned that must be referring to loan account detail

Q: Theft of chequebook and distribution of cheques

My sister is studying medicine abroad...And we misplaced her chequebook after she was gone abroad. Later we went to the bank to inform that we lost her chequebook and ATM card but the bank refused to close the account. Then they said to tell your sister that send an email from the registered email but she said that I don't even remember the email. Later we came to know that someone stole the ATM and chequebook from our home, it had not been lost. And we tried to get to that person but we came to know that it was a set up for us...That guy distributed our cheques to some persons whom we don't know...Know those persons are threatening us that they will file a case against us...We told them that that guy stole it from our home...even the signature on those cheques are fake...Now we are in trouble, we don't know what to do? As per our knowledge the cheques are 3 month valid and I think it has been more than 4 months since we lost that cheque book... please help. we don't know what to do?

Advocate Ramneek Mishra answered
Ask your sister to put one email to economic offence wing of your district informing about all the incidences and you can approach your local police station with a complaint explaining all the things.

Q: Will the pension of retired govt servant be effected by criminal case?

I am a retired govt servant. I was in Judicial custody of 6 days for false charges put against me under matrimonial cases by my daughter-in-law. Will my pension get affected due to this?

Advocate Ramneek Mishra answered
It might get affected because as per rule 8 of CCS pension rule one has to maintain good conduct, so it might be possible the same may get affected but it varies on case to case and fact to fact. So here what is the section and what is the status of case matter.