Legal opinion issue
Akshay Endapally
(Querist) 06 January 2016
This query is : Resolved
Hello, this is Akshay. I have recently applied for a education loan of 13 lakhs( to pursue my further studies in New Zealand) in central bank of India and I was asked to provide security so I provided deed document of a property ( of my father) worth around 30 lakhs and the manager was ok with it as I have also shown him few other investments and fixed deposits worth 15 lakhs. I have provided each and every document they have asked for and later asked me to meet their panel advocate to get legal opinion from him. He called me up one day and said there are few arrears in the property deed document and he needs few other supporting documents...and the next day I have provided him those he asked for but he called up every day asking for a new random document ( he did not give a proper check-list). I went with my dad next day with property tax bills and other papers...he verified them and said tax bills are not mutated...we told him that we have already applied for mutation of property tax and showed him Acknowledgement and D.D of GHMC...yet he said CCPC will not accept. I went to Bank manager next day and briefed him up everything...he said he'll talk to the advocate and provide surety. I don't know what manager told advocate,he called me up next day and was shouting at me for consulting manager without his consent and threatned me of not giving his legal opinion...I pleaded him and begged him, then he asked me not to repeat it again...and told he has already applied for EC and CC and asked me wait for few day...and he kept me waiting for 20 days and my VISA day is getting closer( I have already rescheduled my appointment)...I am really worried...I don't know if he's expecting any bribe from me to get the work done. Even GHMC people have demanded 30K to get the mutation work done and yet they have not assured of giving it any early. I am completely struck....please help. Is acknowledgement not enough to show it to CCPC?
dr g balakrishnan
(Expert) 07 January 2016
you have wasted a long time. you should have told the bank manager if unusual delay is sensed by him he should take another opinion immediately; if not you would move to another bank, after all if banks do not render proper services, then you could invoke article 51A of the constitution of india.Besides you could move writ under art 226 r/w 51A r/w 14 natural justice .. never give in to undue demands, if done you are promoting corruption; if they are incorrigibly corrupt, then with the help of CBI or anti corruption bureau take marked currency and get the officers or the advocate on panel be arrested. that is the right solution.
Akshay Endapally
(Querist) 07 January 2016
Sir, I have met bank manager and he assured me that he'll ask the advocate to get it done but I seriously doubt there is some mis-communication between both of them. I just need this little clarification...is acknowledgement of mutation process enough or I need to get the complete process done inorder to get legal opinion. If I have a clarity on this then I can have an aggressive approach towards that advocate.
