Personal loan
Querist :
Anonymous
(Querist) 15 May 2010
This query is : Resolved
I have taken two personal loan of hdfc emi is 6770 (2008)& icici emi is 1833(2007). but for last one year i unable to pay as i dont have job for last one year.In the month of jan & feb i paid two emi's to hdfc perloan & march i paid one emi to icici. today i received a call from someone he was telling me that he is Mr inspector yadav from delhi police,& he told that an arrest warrant has been issued by which he is going to arrest me, he also gave me the advocate mob no. n asked me to call him n discuss the matter, i had talked with that advocate he told that as per section 420-406 an arrest warrant has been release for me , i request him to give me some time as i am searching for job an soon as i get my salary i will start paying you the emi's but he refused it n told that total outstanding is 26000/- if you can pay this amount by cheque within two days than only i can stop your arrest warrant, i request him to give me some time as i am jobless n i cant arrange this amount within two days, but he told that i cant help you in this case.& he has given me the time for one day to arrange 26000/- orelse he will forward that arrest warrant.
Kindly let me know what should i do, is there any other option?
adv. rajeev ( rajoo )
(Expert) 15 May 2010
you do one thing go to the court and verify any case is filed against you, get the certified copy of the same and to avoid the arrest you can apply for the anticipatory bail in the dist., and sessions judge.
It is false. arrest warrant cannot be issued immediately after filing the case in the court more over 420 is cheating and 406 is criminal breach of trust. Failure to pay the installments does not amounts to offense.
They have to threatened only with intention to take the cheques from you to enable bank people to file Negotiable Instrument Act after bouncing the cheque.
Failure to pay the installments is purely a civil case not criminal case.
bhagwat patil
(Expert) 15 May 2010
Dont worry. nothig will happen that way.surf on bcsbi site , it is for code of conduct for banks. dont sign the checks and follow adv. rajoos advice otherwise u will be in trouble.If u detrermine yourself that uin future u will not go for such easy loan s.call 09422773303
PJANARDHANA REDDY
(Expert) 15 May 2010
THIS IS THE NEW TECHNIC ADOPTED BY THE RECOVERY AGENCIES. DO NOT REPLY, ASK THEM TO SEND THE COMPLAINT COPY AND SUMMONS IF THEY HAVE IN HAND, OTHERWISE KEEP COOL AND NOTE THE MOBILE NO. LODGE A CRIMINAL CASE IN UR LOCAL POLICE FOR THE THREATENING U/S OF IPC&Cr.P.C.
nidhi kalia
(Expert) 15 May 2010
I DO AGREE WITH MR. PJANARADANA REDDY
nidhi kalia
(Expert) 15 May 2010
PLZ CONTACT ME ON THIS NO. 9717138381
Uma parameswaran
(Expert) 15 May 2010
Approach the Bank through some one and tell them you are intending to close the account and the bank will give the position of your account.If the bank already filed the case,take bail and contest the case.In between you can find out a job and repay the loan.No need to fear about the court cases.You can also argue if the bank is collecting exess interest.
Querist :
Anonymous
(Querist) 15 May 2010
thanx a ton to all of u, for supporting me
Querist :
Anonymous
(Querist) 16 June 2010
Dear Mr. Ashish,
I had a talked with Mr. Anand and he told that no. which i have mention in my complaint is not responding, nobody had called me up from delhi police,i told to anand that you just hold the line let me call on that no. if somebody picks up than i will take you on conference, but when i called up on that no. somebody lifted the phone and told that mr. yadav is not available today he will available tommorow meanwhile mr. anand disconnected the line, so i called up to anand and told him that no. is working, why did you disconnected the line , so he told that's not in issue just tell me when you are going to pay the rest amount, i told him clearly that sir first you give me proper investigation report then we will talk on this, so he started blaming me that i am making excuses and my complaint is fake and all that, so i told him if my complaint is fake than i could not have mail to consumer court, to you and dcp & acp of delhi police, second thing when i called on that no. somebody picked up and told that mr.yadav will available tommorow ,it means you have not done proper investigation. you are giving me wrong reports and misguiding me.
Its a request to you kindly do proper investigation and revert back to me.
For any clarification you can call me on my cell no.
