My loan from HDFC Bank is five months old. They charged me ₹3,000 for insurance but haven’t provided any documentation. I stopped EMI payments and requested the insurance papers, but haven’t received them. Despite this, I’ve paid five EMIs in cash after my cheque bounced due to a signature error. HDFC is now threatening legal action for non-payment. Will I have a strong case if I file an FIR or take legal action against them for violating our agreement?

Apni Law
Apni Law
Law Forum › Category: Cheque Bounce › My loan from HDFC Bank is five months old. They charged me ₹3,000 for insurance but haven’t provided any documentation. I stopped EMI payments and requested the insurance papers, but haven’t received them. Despite this, I’ve paid five EMIs in cash after my cheque bounced due to a signature error. HDFC is now threatening legal action for non-payment. Will I have a strong case if I file an FIR or take legal action against them for violating our agreement?
Vote Up
297
Vote Down
Apni Law Staff asked 1 year ago

My loan from HDFC Bank is five months old. They charged me ₹3,000 for insurance but haven’t provided any documentation. I stopped EMI payments and requested the insurance papers, but haven’t received them. Despite this, I’ve paid five EMIs in cash after my cheque bounced due to a signature error. HDFC is now threatening legal action for non-payment. Will I have a strong case if I file an FIR or take legal action against them for violating our agreement?

1 Answers
Vote Up
31
Vote Down

Best Answer

Apni Law Staff answered 1 year ago

You may have a strong case for challenging the insurance charges and the subsequent legal threats. The bank’s failure to provide documentation and accept your cash payments despite the bounced cheque could be construed as a violation of your loan agreement. You can consider filing a complaint with the banking ombudsman or consult a lawyer to explore legal options.

You Might Also Like

My Intellectual Property case filed in Tirupati Civil Court in 2009 was dismissed in December 2016 because I hadn’t filed my income tax returns. I had given three blank cheques to someone in 2008, but the accounts are now closed. If they try to deposit these cheques, could they file a cheque bounce case against me? If so, can I appeal against the IP dismissal in the District Court, even though the time limit may have passed? What are my options?

Is it possible to file a complaint if someone receives two separate notices within a short time, like five days, even if both relate to the same issue? What if a complaint is already filed, but the prosecution raises this objection? How can someone convince the judge and respond to the prosecution’s argument?

I gave a cheque as security in 2015 and paid the amount in cash. However, the person presented the cheque and it bounced. I stopped payment on the cheque before it bounced. No case was filed for two years, but a police officer has been calling me for the past five days demanding I visit the police station, threatening an FIR if I don’t. The cheque bounced in a different district. Can they file an FIR after two years? Should I go to the police station?

My business partner told me he misplaced a ₹10,000 cheque dated April 24th, 2012. When I closed my business in June, he used the cheque on October 15th, 2012, changing the date to September 24th, 2012. The alteration is obvious. The cheque was returned because my account was closed. His lawyer’s notice was lost in the mail. The cheque is only valid for three months from April 24th, 2012, and there’s no signature of mine on the altered date. What can I do?

My grandfather bought land in Bihar for my uncle before 1956. After his passing, the land was divided equally among his sons. Now, my cousin is claiming the entire property. What are the legal rights in this situation?

Share This Article
Previous Article I had laser hair removal done at Visage Clinic in Pune in September, October, and November of 2015. I paid the full amount of ₹75,000 for four full-body sessions. The doctor assured me that after these sessions, hair growth would be drastically reduced, leaving only very fine hairs. This was supposed to be evident within a couple of months. However, in 2016, I’m experiencing increased hair growth on my hands, chest, and legs. The doctor said this might be because they didn’t use a higher energy level during the treatments. I’m requesting a full refund. Can you advise me on what steps I can take in this situation? What are my chances of winning a case against the clinic? Could I also claim reimbursement for legal fees and other expenses incurred?
Next Article My father works at LIC India. Someone used his LIC account, which he knew the password for, to make several transactions in my mother’s name. We have no idea who did this. We received a letter from his office saying he made the transactions intentionally. They’re asking for a valid explanation for his actions, and if we don’t provide one, they might take disciplinary action. What reasons can we give them?

Follow US

Find US on Social Medias
Popular News
- Advertisement -
- Advertisement -
Ad imageAd image

📢 Stay Connected!

Join our community on Telegram and WhatsApp for instant updates, news, and exclusive offers.