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Author Topic: Loan default court hearing  (Read 1326 times)

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Offline ddas_legal

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Loan default court hearing
« on: May 08, 2014, 01:24:15 AM »
I have a outstanding personal loan of approx 60k(EMI15k) from HDFC bank. Today the bank people called and asked me to appear before a civil court in Nampally Hyderabad next week monday.

I am unemployed and hence unable to pay back the loan amount. I have not paid for 3 months now. Here are a few questions

1. Can i have a lawyer (free/less expensive) at my side at the court hearing? If yes, where?
2. If i do not have lawyer at my side what can i expect?
3. At the time of availing the loan i had given a blank cheque to the bank. Will they use it to make it a cheque bounce case?
4. Will i have to pay bail or any such fee to the court?

Looking forward to some help here.
Thanks

Offline cherukuriprasad

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Re: Loan default court hearing
« Reply #1 on: May 25, 2014, 07:11:44 PM »
you can argue your case if you have financial issues.
Bank people cannot summon you to court. Only court can summon you to court.
Threaten them to give the blank cheque back. Collecting blank cheque is illegal. If they do not return, then file a police complaint citing breach of trust and cheating.
Default for 3 months is normal. No need for bail etc.,etc.,

 

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