please at once get an affidav. by your father with his sign to prove via handwriting analysis any fraud or forgery at a later stage or in case if death of your father.

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1st file a case on the bank, second cancel the credit card…third get a credit card from nationalized bank and transfer all account connectors to the same…keep no linkages with the previous bank…
from now on… prefer only govt banks to pvt banks

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since there was no particular nominee, you can’t claim penal interest or compensation for delay in payment.

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My father and mother died in 16th Feb2012 and 11th March 2010 respectively.They have some fixed deposit without nomination in Central Bank of India. I visited the branch, filled all the documents/prescribed forms supplied by the bank and submitted all the original documents on 11th April 2012. Till date I am yet to receive my payments. Every time I visited the branch I was told that the “documents has sent to South regional office and it is in process”. How should I get the payment? Can I get penal interest or compensation for delayed in payment? Please help.

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Hi,
I am karuna, work for nite shifts, US Process recruiting , i need look after my parents, my father totally fallen sick, only one earning person in family, got in big trouble that i have taken HDFC credit card unfortunately last year. Got to use of card of worth Rs 25,000 in the month of Nov 2011 from Jan 2012 i got call from bank person asking about due payment that was interest for the expenses maid i came to know this after my 4 th payments . so 1st i paid in jan 2012 – Rs. 2250/- and feb 2012 Rs. 1530/- and in the month of march 2012 Rs. 1510/- and April Rs. 6000/- and july Rs. 1400/- and in the month of august bank person spoke to me i asked for solution he said you can for settlement i asked him to do the same after 2 days he called and said we applied for settlement you need to pay Rs.25000/- in 5 installment i asked what all the amount which i paid earlier he said that all was calculated as interested so then i said make it Rs. 20,000/- i will pay in a month. he said it is not possible and in oct Rs.3062/- they have deducted from my debit account and did not intimated even. in oct. i lost my purse in that credit card and other cards gave complaint to bank and local police station also but i did not block my credit card because of no details available with me.
so in the month of nov i got my salary got credit on 8th then i checked my online account then it was showing in closing balance i did not understood then took my atm card and swipe it was saying insufficient funds. but in ledger balance it is showing amount i called bank person he said you might have any payments to bank so that, is the reason they have hold your money.
Here the credit card account was my previous company salary account and the amount was deducted from my current company salary account but both accounts are same bank HDFC.
Then i called up on credit card bank person. he said please come and talk to bank manager.
i went and spoke to the bank person he said as you have over dues and overlimit you need to pay interest and actual amount total 40,000/- rupees to bank
now bank have hold your salary and all amount which is Rs. 33,000/- and more Rs. 7000/- you need to pay to the bank with in this month and he threatened me if not your name and details will be entered in CIBIL.
Even i asked that bank person to give me 3 installments to pay the amount. He refused and said nothing is in my hand i cannot help you, one thing i observed there in bank no one have id cards and it does gave a look of bank environment. i think that was a recovery agents department.
and today night 20th Nov 2012. my amount was deducted from my account to bank as at 12.40pm i got a message. Fund Transfer to so and so account number.
Please if any one is there to help me in this issue how i need proceed give any suggestion.
This whole month i do not have a penny from my salary and my lively hood and daily expenses and homely need i was totally ruined.
Please Help me….
Thank you,

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Hi,

I am karuna, work for nite shifts, US Process recruiting , i need look after my parents, my father totally fallen sick, only one earning person in family, got in big trouble that i have taken HDFC credit card unfortunately last year. Got to use of card of worth Rs 25,000 in the month of Nov 2011 from Jan 2012 i got call from bank person asking about due payment that was interest for the expenses maid i came to know this after my 4 th payments . so 1st i paid in jan 2012 – Rs. 2250/- and feb 2012 Rs. 1530/- and in the month of march 2012 Rs. 1510/- and April Rs. 6000/- and july Rs. 1400/- and in the month of august bank person spoke to me i asked for solution he said you can for settlement i asked him to do the same after 2 days he called and said we applied for settlement you need to pay Rs.25000/- in 5 installment i asked what all the amount which i paid earlier he said that all was calculated as interested so then i said make it Rs. 20,000/- i will pay in a month. he said it is not possible and in oct Rs.3062/- they have deducted from my debit account and did not intimated even. in oct. i lost my purse in that credit card and other cards gave complaint to bank and local police station also but i did not block my credit card because of no details available with me.
so in the month of nov i got my salary got credit on 8th then i checked my online account then it was showing in closing balance i did not understood then took my atm card and swipe it was saying insufficient funds. but in ledger balance it is showing amount i called bank person he said you might have any payments to bank so that, is the reason they have hold your money.
Here the credit card account was my previous company salary account and the amount was deducted from my current company salary account but both accounts are same bank HDFC.
Then i called up on credit card bank person. he said please come and talk to bank manager.
i went and spoke to the bank person he said as you have over dues and overlimit you need to pay interest and actual amount total 40,000/- rupees to bank
now bank have hold your salary and all amount which is Rs. 33,000/- and more Rs. 7000/- you need to pay to the bank with in this month and he threatened me if not your name and details will be entered in CIBIL.

Even i asked that bank person to give me 3 installments to pay the amount. He refused and said nothing is in my hand i cannot help you, one thing i observed there in bank no one have id cards and it does gave a look of bank environment. i think that was a recovery agents department.

and today night 20th Nov 2012. my amount was deducted from my account to bank as at 12.40pm i got a message. Fund Transfer to so and so account number.

Please if any one is there to help me in this issue how i need proceed give any suggestion.

This whole month i do not have a penny from my salary and my lively hood and daily expenses and homely need i was totally ruined.

Please Help me….
Thank you,

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Don’t worry no legal action made against you if you further assistance nedd contact with me

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u should not be worry if your father didnt sign on any documents

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Dear Sir,
My father has given photo copies of important documents to one of very close family relative, Such as PAN card & ration card on a/c of good faith & family relations sake. It is known to me that the said relative has a bad credit record & he has even been into prison once on a/c of fraud case. Hence I am sensing a great risk factor here. i.e. this guy is in a nice opportunity to cheat us with the help of some corrupt co-op. bank employees making my father a guarantor for a loan by act of forgery & misrepresentation by creating his passport size photograph from family photographs with the help of photoshop. And putting the name of loanee as some completely other person not known to us by known to this relative. My father has done this act on the basis of pure good faith due to near family relations & reasons. Hence if such things happen and come in front of me in the upcoming years & esp. in his absence, I won’t be able to prove it as forgery since my father is currently at the age of 84 years & with ill health anytime he might collapse. And I will be the legal heir after him. Hence any such documents unless otherwise proved forged, will hold me liable due to this guarantee.
Hence I’m seeking your legal advice what steps shall be taken so that under any circumstances me or my father are not held responsible for any such guarantees. As on the date my father is not a guarantor or surety with any of the banks of financial institutions.
I would really appreciate your effort in going thru my post & provide appropriate course of action in this regards.
Thanking you in advance.
Sudhir Parmar

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incomplete question u have to tell the full story

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