Overview
Disputes with banks and financial institutions are document-heavy and time-sensitive. We advise borrowers, guarantors and lenders on loan documents, recovery actions, settlements and the remedies available before the appropriate forum.
Services
- Advice to borrowers and guarantors
- Replies to bank notices, including SARFAESI notices
- Applications before the Debts Recovery Tribunal
- One-time settlement negotiation and documentation
- Disputes over unauthorised or fraudulent transactions
- Assistance to lenders in recovery
Matters We Handle
- Loan default and NPA classification
- Possession and auction notices
- Guarantor liability
- Mortgage and security disputes
- Credit card and digital transaction disputes
- Credit information disputes
Our Approach
We begin with the loan and security documents and the history of payments and correspondence. We then explain your position, the time limits involved and the options, whether that is a settlement, a reply, or a legal challenge.
Frequently Asked Questions
My account has been classified as an NPA. What can I do?
Depending on the loan documents and the stage of recovery, you may be able to respond to the bank, seek a settlement or restructuring, or challenge particular actions before the appropriate forum.
What is a SARFAESI notice?
It is a demand notice issued by a secured creditor requiring repayment within a stated period, failing which the creditor may take steps against the secured asset. It should be examined promptly because the periods for response and remedy are limited.
Am I liable as a guarantor?
A guarantor’s liability depends on the terms of the guarantee and the law of contract. The document should be reviewed before drawing any conclusion.
These answers are general information, not legal advice. Laws, statutory periods and procedures should be checked by an advocate before publication and applied to the facts of each matter.