Advocate Sanket Ganpat Khamkar

Questions Answered by Advocate Sanket Ganpat Khamkar

Q: i am non borrower, with no due certificate of bob , other bank NNSB

I am innocent no borrower of Bank A , with no due certificate of 2017. having one flat . B bank of builder is trying to attach my flat in entire projcet as he gave loan to builder. My loan is from bob with clean search report of panel adv . Builder gave NOC to bank A for loan to me

Advocate Sanket Ganpat Khamkar answered
If Bank B is attempting to attach or proceed against your flat for the builder’s loan, despite your flat having a clean title/search report and the builder having issued an NOC to Bank A, the first step is to examine the sale agreement, registered documents, builder’s NOC, loan/security documents and the bank’s notice. Depending on how the security was created and the date of your purchase, appropriate proceedings can be taken to protect your ownership and seek removal of the flat from the proposed attachment. Please share the sale deed/agreement, NOC, search report and Bank B’s notice for detailed examination; after reviewing the documents, I can advise you on the appropriate legal remedy.

Q: BANK SEND THE 13(2) LETTER AFTER 7 YRS

MY FATHER(68) HAD BUSINESS LOAN AND HE GOT NPA ON 1 NOV 2016 & AFTER THAT BANK(BK) SENDED MUTLIPLE 13(2) LETTERS & VISIT FOR 2 TO 3 YRS THEN IN 2019 FEB THEY SEND 13(4) POSSESSION LETTER AFTER THAT BK NEVER VISITED OR CONTACTED MY FATHER & NOW THEY SEND 13(2) LETTER WITH ALL THIS 7 YRS SILENT INTREST INCLUDED CAN I BUY TIME IN DRT CAN I GET 18 TO 20 MONTHS TIME BUYING THEN DRAT CANT DEPOSIT EVEN 25%, CAN WE APPEAL AGAINEST DRAT DEPOSIT IN HC TO BUY TIME UNTIL 12YRS NPA EXPIRES ON 1NOV 2028

Advocate Sanket Ganpat Khamkar answered
If the bank has initiated SARFAESI proceedings after such a long gap, the complete chronology and limitation position need to be examined carefully. The delay, validity of the 13(2)/13(4) notices, possession proceedings, interest calculation and the limitation issue can be raised before the DRT. If an adverse DRT order is passed, an appeal before DRAT may involve the statutory pre-deposit requirement, subject to the applicable law. A writ petition before the High Court may be considered only on appropriate grounds and is not automatically a substitute for the statutory remedy. Please share the 13(2), 13(4), possession notice, loan/statement of account and DRT papers for detailed examination; after reviewing them, I can advise on the available legal remedies and possible time sought.

Q: Legal action over fraudulent ST MBBS admissions

In 2018, 9 MBBS students in Maharashtra allegedly obtained ST-quota seats using forged caste validity certificates. The ST Scrutiny Committee confirmed the certificates were not issued by it. A chargesheet followed and ₹95 lakh was recovered. Yet 9 genuine ST candidates lost their seats, while most retain degrees and MMC registrations. I have the FIR, chargesheet, forged certificates and Scrutiny Committee letters. As an SC/ST activist, what legal action can I take for degree cancellation?

Advocate Sanket Ganpat Khamkar answered
You can seek cancellation of the MBBS degrees/registrations by approaching the concerned Maharashtra University of Health Sciences (MUHS), Medical Council/competent registration authority, and the State authorities, relying on the Scrutiny Committee findings and criminal record. Under Section 10 of the Maharashtra Caste Certificate Act, benefits obtained through a false caste certificate can be withdrawn after cancellation of the certificate. The Supreme Court has also recently considered cases involving medical admissions obtained on invalid tribe certificates, so the exact facts and whether fraud was specifically established are important. If you have the FIR, charge-sheet, Scrutiny Committee order, forged certificates and letters showing the action taken against the 9 candidates, please send the documents on WhatsApp. After examining them, I can advise on the appropriate representation/writ proceedings for seeking cancellation of the degrees and medical registrations.

Q: Car selling fraud & Pending RC transfer

I bought car from cars24 in may 2026 1st week. Its been 4.5 months today, my RC transfer is still pending. cars24 has no idea about its status. They are not giving satisfactory response. Not taking my followups seriously. I need lawyer to handle this case.

Advocate Sanket Ganpat Khamkar answered
If your RC transfer has been pending for around 4–5 months despite repeated follow-ups, you should first obtain the complete transaction/transfer record and the present status from the RTO. If the delay is attributable to the seller/platform or required documents have not been properly processed, a formal legal notice can be issued seeking completion of the RC transfer within a specified time, followed by appropriate consumer proceedings if necessary. Please send the purchase invoice, delivery documents, RC/transfer application details and correspondence with Cars24 on WhatsApp; after examining them, I can advise you on the appropriate legal action and handle the matter.

Q: Don't know exactly they are filled FIR or not

Around 4–5 years ago, some customers of my digital marketing agency threatened to file an FIR/police complaint against me because I could not provide the services. Since then, I have not received any police call, notice, summons, or court communication. They did not have my address, but they had my WhatsApp/mobile number. Is it possible that an FIR was already registered against me 4–5 years ago and I still have not been informed about it?

Advocate Sanket Ganpat Khamkar answered
Yes, an FIR could theoretically have been registered without the person immediately receiving a copy or notice, depending on the circumstances. However, after 4–5 years without any police communication, summons, or court notice, the actual status should be verified rather than assumed. You can check the FIR/case status through the concerned police station and eCourts, using your name and relevant details. Please send the available details/documents on WhatsApp; after checking them, I can help verify whether any FIR or court proceeding exists and advise the appropriate next step.