Bank

sudheer (Querist) 12 May 2017 This query is : Resolved
Sir,My mother was taken a loan against the property ( property not Mortgage by Bank ) same was cleared with interest.
Problems
1. Not Given no dues certificate
2. Not given last payment receipts
3. Not give my original Documents
When I was cleared all Payments.in feb.2004
In April 2004 Bank liences was suspended by RBI.
Liquidator is looking the matter now
No dues on my mother Name but
Original Documents r pledge to another person ( who I don't at all )
Number of went & requested them
But they r saying we can't help u
More than 10 years r over
Please advise me what should I do now
Thank Q

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Guest (Expert) 13 May 2017
Consult A Local Good Senior Advocate Specialized in Bank Matters with all Genuine Details/Evidences and First Serve A Notice to the Bank.

rajeev sharma (Expert) 13 May 2017
Bank is under liability to return the deposited documents. Since liquidator is in management of bank send him a notice to issue no dues and return the documents. You may file a complaint before consumer forum if documents are not returned

R.K Nanda (Expert) 13 May 2017
consult local lawyer.

Guest (Expert) 13 May 2017
Agree with Experts

Kumar Doab (Expert) 13 May 2017
What exactly do you mean by: “Original Documents r pledge to another person ( who I don't at all ”

How do you know about it?

Rajendra K Goyal (Expert) 13 May 2017
It seems Bank officials have acted fraudulently, kept the documents by getting signed illegally by your mother for mortgaging the property in some other person account.

If so, discuss with local lawyer and lodge FIR against them.

File court case for documents after sending legal notice.

Kumar Doab (Expert) 13 May 2017
You have posted that:

“When I was cleared all Payments.in feb.2004
2. Not given last payment receipts”

You must be having loan a/c statement before last payment and acknowledgment of last payment.

This in itself could support you.

Kumar Doab (Expert) 13 May 2017
Mr. Rajendra K Goyal has been Banks and has finer understanding of Banking matters.

You may consider his opinion.

Kumar Doab (Expert) 13 May 2017
You may engage a senior counsel of unshakable repute and integrity at your location specializing in such/banking matters with all docs on record that you have, ASAP.

Dr J C Vashista (Expert) 14 May 2017
Sketchy information and vague query, which may be hypothetical.

If the statement is true, file a police complaint for criminal breach of trust besides a suit for declaration, permanent and mandatory injunction through a local prudent lawyer.

Guest (Expert) 14 May 2017
I endorse the views of Dr. J.C. Vashista.

Rajendra K Goyal (Expert) 14 May 2017
The author is mum in providing clear material facts and replies to the query from experts.

No further advice possible.

Guest (Expert) 14 May 2017
Agree with Experts

Dr J C Vashista (Expert) 14 May 2017
Thank you Dhingra ji for endorsement of my opinion.

Guest (Expert) 14 May 2017
You are welcome Dr. Vashsta.

krishna mohan (Expert) 19 May 2017
Well advised by experts. If your version is true complain to Banking Obmudsman in writing for right action. You can provide all details of loan settlement. Parallelly you can issue legal notice to CMD of the Bank with all details to return all documents with NOC by a date failing which initiation of case against the Bank.

Guest (Expert) 19 May 2017
A criminal complaint would fetch a speedy Result.Bank ombudsman knows the loopholes to favor the bank.Consult a Local Good Senior Advocate

Kumar Doab (Expert) 19 May 2017
Hope you have written to liquidator.

Instead of wasting any more time lodge police complaint and also entrust the matter to a very able counsel as already suggested.

Guest (Expert) 20 May 2017
Agree with Expert

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