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In my honest opinion, one has to read all the provisons of terms and conditions that we sign under an agreement which is binding on all o[censored]s under the Indian Contract Act. The Act along with other Acts of Sovereign India are supreme and am sure all the learned friends in the legal profession would know of and would acknowledge. So do not react to such overtures that is being made ... Analyse and think ... But let us be careful which sets any o[censored]s into trap under law which would be vexatious and malicious ... am saying this for the better of India which we all worship.. As a professional I have a duty to society in rendering this advise. All o[censored]s are intelligent in not leading ourselves into such overtures. J A I H I ND ... RADHIKA, ADVOCATE - CHENNAI
Nitin, Agree with you. I also got affected where CBoP got acquired by HDFC Bank and they promptly increased by 1% when market was reducing (by public bank primarily). ow NHDFC Ltd is giving some scheme where u can pay 0.5% of outstanding to reduce the interest rate from 12+% to 9.25%. Both banks are giving house loan to new customers at 9.25% and 8.5% respectively.
Radhika, Advocate: I guess u might not have taken any house loan from private banks. If the looters can hide behind "terms and condition" and continue to fleece "existing customers" what kinda contract is that and how law makers/judges can be blind about that??. Mind you, even the "investment plan subject to market risk" crap fast forwarding murmuring voice got the wrap from court and now atleast somewhat audible, because of the obvious non-accountability of telling the customer that "i told u so about the risk". If the banks somewhat put that in bold font or in first few lines of the hundreds of lines, nobody will go for so call "ever increasing for existing customer" "floating" loan.
In this country, unless affected victims group together and fight back, nothing will happen. including the so called law or whatever crap.
this kinda stuff should happen to bank.
https://www.consumercomplaints.in/complaints/hdfc-bank-c212642.html
Note: I don't want the private banks to go bankrupt but at the same time it should have "fair trade practices". the "floating" should be almost same (1% +/- is tolerable) for all customers.
Radhika, Advocate: I guess u might not have taken any house loan from private banks. If the looters can hide behind "terms and condition" and continue to fleece "existing customers" what kinda contract is that and how law makers/judges can be blind about that??. Mind you, even the "investment plan subject to market risk" crap fast forwarding murmuring voice got the wrap from court and now atleast somewhat audible, because of the obvious non-accountability of telling the customer that "i told u so about the risk". If the banks somewhat put that in bold font or in first few lines of the hundreds of lines, nobody will go for so call "ever increasing for existing customer" "floating" loan.
In this country, unless affected victims group together and fight back, nothing will happen. including the so called law or whatever crap.
this kinda stuff should happen to bank.
https://www.consumercomplaints.in/complaints/hdfc-bank-c212642.html
Note: I don't want the private banks to go bankrupt but at the same time it should have "fair trade practices". the "floating" should be almost same (1% +/- is tolerable) for all customers.
Hi Anil/Nitin,
The egroups are not active as of now nor approves when i subscribe to it.
We should atleast keep the members discussion public and approve faster, so that more will join and the awareness spreads. There is no point in keep cribbing and giving zombie egroups.
once we get sufficient #, we can protest in front of the banks (after taking permission from police? because i never joined any protest nor know the protocol one has to follow if say 10-20/more folks group at public place (ie. primarily opposite to HDFC Bank branch etc) if any permission reqd. from police etc.) because then only we can bring theirs and media attention about this unethical practices.
thanks
prem.
The egroups are not active as of now nor approves when i subscribe to it.
We should atleast keep the members discussion public and approve faster, so that more will join and the awareness spreads. There is no point in keep cribbing and giving zombie egroups.
once we get sufficient #, we can protest in front of the banks (after taking permission from police? because i never joined any protest nor know the protocol one has to follow if say 10-20/more folks group at public place (ie. primarily opposite to HDFC Bank branch etc) if any permission reqd. from police etc.) because then only we can bring theirs and media attention about this unethical practices.
thanks
prem.
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Regards
Nitin