Advocate Syam Charan Godi

Questions Answered by Advocate Syam Charan Godi (100+ answers)

Q: Bank frozen as hold/lien disputed amount 4108

My SBI a/c 41010635025 is flagged Layer 4 in cybercrime portal under Ramnagariya PS, Jaipur. I don’t know which txn triggered it. I am a student, recently finished BCA. I only used the a/c for Binance P2P and gambling sites like Stake/BcGame where I lost money and fell into debt. I never scammed anyone. Need your help to check FIR, reply to police, and prove I’m not linked to fraud.32704250028666

Advocate Syam Charan Godi answered
please send your bank account statement, Banance statement and gambling account statement. we will check and answer you. with out any data we can't give you a good answer.just mail all the details.also send the current status of your case and location of jurisdiction.

Q: Lien Amount market on my icici account

Hi team, an amount of 8,333.33 has been lien-marked on my account in connection with cybercrime complaint. I have invested in the nadex platform, on August 7th i have withdraw the amount 100$ from that website. On September 4th i have been informed that 8333.33 amount has been lien-marked under police instructions. I have been duped by fraudsters and almost lost more than 3 lakhs. Cybercrime complaint also raised by me for the amount I have lost. I have not involved in any fraudulent activities.

Advocate Syam Charan Godi answered
Hi, you have not invested in nadex platform. You have traded binary options in the nadex platform. Options markets are not guaranteed by any one.It's your own risk. You know the risk factors before trading.so, please send the bank account statement and nadex platform account statement for further clarifications and investigation.

Q: Need advise on how to proceed with previous cases and now with this

My husband cheated me before mrg and i filed 376,417 and sc st cases. After 1 yr he came back and married me (hindu mrg act). Now from 1 yr he and his mom are torchering me. They abuse and beat me. My parents says me to adjust with them. I need a help on how to deal with this.

Advocate Syam Charan Godi answered
please mention your case number and court. so that we can check the status and update you. or please share the complete details of your case directly or through the phone for further clarifications.

Q: Bank account freeze by cyber crime, How to unfreeze bank account cyber crime?

My bank account has been frozen by cyber crime authorities in Hyderabad for the past two years, even though there are no fraudulent transactions matching their claims.

I was a victim of cyber fraud, where I sold Bitcoin to a buyer who unknowingly paid me using a hacked online recharge account. As a result, my account remains frozen, and I am unable to access my funds.

1. How can I unfreeze my bank account in such a situation?
2. What is the process for filing an application to lift the freeze on my account?

Advocate Syam Charan Godi answered

• Cryptocurrency transactions, including Bitcoin, remain unregulated in India.
• The Reserve Bank of India (RBI) had previously imposed restrictions on cryptocurrencies, which led to bank accounts being frozen due to suspected fraudulent activity.
• As cryptocurrency laws are still under review by the Supreme Court, new regulations may provide more clarity in the future.
• If the RBI and Supreme Court issue fresh guidelines, you may be able to file an application to unfreeze your account based on updated regulations.
• In the meantime, consult a legal expert and file an appeal with both the bank and cyber crime authorities for a resolution.

Q: can someone used me as a reference for a loan India

Hi, my colleague applied for a personal loan through HDFC Bank and used me as a reference for a loan in India.

Now, he has missed payments and switched companies. The bank keeps calling me, saying he is not answering their calls. Today, a bank representative threatened that a legal case may be filed, and I might be included in it.

However, I never signed any document as a guarantor—I was simply listed as a reference name in his loan application.

I want to know:
1️⃣ Am I liable if the borrower does not repay the loan?
2️⃣ How do I remove my reference number from the loan account?
3️⃣ Can I take legal action against harassment by the bank?

I contacted my colleague, and he said he would check with the bank. However, I don’t want to be involved in this matter anymore. What should I do if the bank continues to threaten me?

Advocate Syam Charan Godi answered

No Legal Liability for Loan References & Steps to Stop Harassment

Hi, don’t worry! Someone using you as a reference for a loan in India does not make you legally liable for repayment. A loan reference is different from being a loan guarantor.

Here’s what you should do:
✅ Record the Calls: If the bank calls again, record the conversation as evidence of harassment.
✅ Ask for Official Identification: Request the caller’s employee ID, branch details, and designation.
✅ Banks Can’t Issue Legal Notices to References: The bank can only send a legal notice to the borrower, not to you.
✅ How to Remove Your Reference from the Loan Account: Visit the bank, submit a formal request, and ask them to remove your reference from the loan application.

🔹 Most likely, a loan recovery agency is using aggressive tactics. If the harassment continues, consult a lawyer or file a police complaint.