Gic- kolkata lost my original property deed and tells law can't do anything to them.
Sudip Shome
(Querist) 14 March 2012
This query is : Resolved
This is for your information that as my original deed of my flat was with GIC Housing Finance Ltd., Kolkata Office, because for a housing loan taken against the same of an amt. 2,00,000/- ( Rupees Two Lacs only ). But, after refunding 1,50,000/- ( Rupees One lac Fifty Thousand Only ) with interest, the manager of GIC, wrote me a letter, that my ORIGINAL DEED IS LOST from their custody due to an accident caused.
I filed a case against them at DISTRICT CONSUMER FORUM – BARASAT ( NORTH 24 Pgns.) WEST BENGAL at December 2010 but, the Judge dismissed it at Jan.2012 showing reason that I am not in a position to ask for my Original Deed because I still did not paid the rest due amount to GIC.
Now, I had cleared yesterday all my dues to GIC - KOLKATA. Now what should I do ? Because the forum, I think, was playing with me by giving such an order after one year which only instruct me to pay the dues to GIC but nothing to GIC about my lost deed.
Can I claim compensation from GIC - KOLKATA ? If so then where should I complain again and how ?
Thanks with hope
Sudip Shome
Kolkata, West Bengal
Raj Kumar Makkad
(Expert) 14 March 2012
You have every legal right to have refund of your every document in original tendered while getting bank loan.
As DCDRF has declines to provide you relief due to non deposit of balance amount of loan which now has been liquidated so it shall be better for you to again lodge similar type of complaint before DCDRF and get due compensation.
In the meantime, you should also obtain certified coppy of title deed from the office of registrar on the basis of letter issued by GIC about the loss of original deed.
ajay sethi
(Expert) 14 March 2012
obtain certifed copy of the deed from rwgistrar office .
file claim for compensation before consumer forum .
Kirti Kar Tripathi
(Expert) 14 March 2012
According to the forum, your claim was premature at the time, when you filed the claim. Now, after repaying entire loan amount, you have every right to get back your registered documents and your claim for this is mature. You again file your claim stating entire fact. Moreover, you can get certified copy of the deed from the office of the Registrar.
Shonee Kapoor
(Expert) 14 March 2012
Sethi has given you the practical answer.
Regards,
Shonee Kapoor
harassed.by.498a@gmail.com
Ajay Bansal
(Expert) 15 March 2012
As advised by Sethi.
Sudip Shome
(Querist) 16 March 2012
What and how much can I ask for compensation ? Which will be legal.
Sudip Shome
(Querist) 16 March 2012
Today again few people came to my house from GIC, after though I paid them in full. They came for HARASSMENT and nothing else. They asked did I paid or not and went away.
Now, what and how much can I ask for compensation ? Which shall be legally correct.
Sudip Shome
(Querist) 03 April 2012
Dear Sir,
Thank you very much for your response regarding my case against GIC - Kolkata. Now if I want to claim compensation from GIC then should I take all my existing documents and the NOC from GIC first and then file the same case for compensation ? or, Shall I first file the case for compensation and then ask for all those other existing documents still with them and the NOC off-course ?
from,
Sudeep Shome
Sudip Shome
(Querist) 07 June 2012
Dear Sir,
I Sudeep Shome had taken all my documents from GIC Housing Fin.Ltd. - KOLKATA, but I want to ask you that, due to some unavoidable circumstances can I now fight against GIC Housing Fin.Ltd. for compensation of my lost deed by myself only ? If I can then what will be the process.
Thanking you once more for your kind cooperation.
Yours Sincerely,
Sudeep
Sudip Shome
(Querist) 07 June 2012
Dear Sir,
GIC is telling that the same deed was lost due to an accident of the very person who was on the way returning from the registry office with the same deed.
So anything can happen in accident.
Then I told them that if anything had happened to me when I went to give them their rest due amount, would they excused my family from the loan repayment ?
Plz. tell me Am I correct or not ? So that I can fight myself.
Thanks,
Sudip
Sudip Shome
(Querist) 18 June 2012
Ok Sir. But GIC said that the original deed was lost due to an accident of the very person who was on the way returning from the registry office with the same deed . So my question is that when GIC put this SAME point at the court , WILL MY POINT STANDS THEN - FOR THE CLAIM FOR COMPENSATION ? Sudip
Sudip Shome
(Querist) 24 August 2012
To,
Mr Prabhakar,
WHY YOU SUPPORT GIC, WHEN THEY LOST MY TRUST UPON THEM. MY REGISTRATION COST WAS FROM MY HARD EARNED MONEY. SO WHAT ABOUT THAT ?...........YOU BEING AN EXPERT SUPPORTING GIC FOR THEIR BREACH OF TRUST ?.....DO NOT MIND, IT SEEMS LIKE YOU HAVE SOME CONNECTIONS WITH GIC, BUT YOU SHOULD BE GIVING A NEUTRAL LEGAL HELP AT LEAST HERE, TO ALL.
SUDIP
Sudip Shome
(Querist) 24 August 2012
To,
Mr Prabhakar,
WHY YOU SUPPORT GIC, WHEN THEY LOST MY TRUST UPON THEM. MY REGISTRATION COST WAS FROM MY HARD EARNED MONEY. SO WHAT ABOUT THAT ?...........YOU BEING AN EXPERT SUPPORTING GIC FOR THEIR BREACH OF TRUST ?.....DO NOT MIND, IT SEEMS LIKE YOU HAVE SOME CONNECTIONS WITH GIC, BUT YOU SHOULD BE GIVING A NEUTRAL LEGAL HELP AT LEAST HERE, TO ALL.
SUDIP
Sudip Shome
(Querist) 20 August 2014
This is for your information that as my original deed of my flat was with GIC Housing Finance Ltd., Kolkata Office, because for a housing loan taken against the same of an amt. 2,00,000/- ( Rupees Two Lacs only ). But, after refunding 1,50,000/- ( Rupees One lac Fifty Thousand Only ) with interest, the manager of GIC, wrote me a letter, that my ORIGINAL DEED IS LOST from their custody due to an accident caused.
I filed a case against them at DISTRICT CONSUMER FORUM – BARASAT ( NORTH 24 Pgns.) WEST BENGAL at December 2010 but, the Judge dismissed it at Jan.2012 showing reason that I am not in a position to ask for my Original Deed because I still did not paid the rest due amount to GIC.
Now, I had cleared all my dues to GIC - KOLKATA ( no discount taken from them). Now what should I do ? Because the forum, I think, was playing with me by giving such an order after one year which only instruct me to pay the dues to GIC but nothing to GIC about my lost deed.
Can I claim compensation from GIC - KOLKATA ?
Thanks with hope
Sudip Shome
Kolkata, West Bengal
Sudip Shome
(Querist) 20 August 2014
Present value of my same property is 1500000/- . So how much should I can claim as compensation ?
Raj Kumar Makkad
(Expert) 20 August 2014
You should now avail the services of a local professional lawyer as you can definitely incur much for such detailed issue.
