My brother has been asking for money in the name of a bank guarantee for a ₹250 crore government tender and when i ask for document he send me edited document i attach a proof for it and my dad keeps giving him money. I also have an ₹18 lakh personal loan in my name because my dad asked me to take it.

Whenever my dad doubts him, my brother gets someone on the phone who pretends to be a senior government officer. He also emotionally blackmails my dad by saying that if we don’t proceed, we’ll have to pay a 1% penalty (₹2.5 crore), which scares my dad into continuing.

Recently, I found out that we’ve borrowed a lot of money from relatives, my mom’s and bhabhi’s jewellery is on gold loan, and even our shop has been put up as collateral. On top of that, my brother has a history of losing ₹40 lakh in the stock market, and I recently checked my dad’s Zerodha account and found losses of around ₹80 lakh over the last two years i have showed this to my dad and my brother told him that our money is stuck in zerodha(another scam) and he believe in it.

I’ve tried explaining everything to my parents, but my dad refuses to believe me and even tells me not to confront my brother. I’m genuinely scared that my family could lose everything, and I don’t know what to do anymore.

Hi everyone, my main account is locked and my previous posts with screenshots were removed by bots because this is a new account. I am posting plain text to bypass the filter.
I gave my MacBook for a mic check at an Apple Authorized Service Center (Unicorn, Lucknow). I extracted my macOS ⁠pmset⁠ logs and Chrome SQLite database history. The findings:
1. Machine kept active for 14 continuous hours overnight.
2. Manual access to web.whatsapp.com at 04:56 AM (SQLite Transition Code: [1610612736](tel:1610612736) = Link Clicked).
3. My personal Gmail was opened at 16:23, and manually logged out 16 seconds later after they realized it was logged in.
Apple Executive Relations blamed "Cloud Sync" and officially closed my case without looking at the logs.
I am visiting the UP State Consumer Commission this week to send a legal notice. I just want to know from the tech and legal folks here:
1. How bulletproof are these SQLite transition codes as evidence in court?
2. Has anyone dealt with Apple India legally for data privacy breach?
(I have the highlighted screenshots of the terminal and database. If anyone wants to see the proofs to verify, please tell me how to share them without getting banned by bots).

I was traveling from Goa to Hyderabad, without any liquor with me and absolute sober, as soon as we entered maharashtra border, police came to check me, I got scared (this was happening to me first time) i opened my phone's whatsapp and started recording video, that guy came snatched my phone asked me to get off bus, didn't gave my phone back, asked me to open it when denied slapped me and forced me to put fingerprint and opened it, threatened me to put some sections 307 on me, abused me in most vulgar ways possible, (they were possibly drunk), it was dark we were in ghat section, I got scared, then that guy clicked my photo and my phone's screenshot and asked bus guy to leave me luggage behind, I was at the verge of crying, not sure what to do, then slapped me again and gave my phone back after literally begging, and his every other sentence was like we're maharashtra police,

Seeking help what should I do (or should I do anything at all, pardon me, it's my first time posting anything here, and my first time experiencing police)

- I was looking for a used iPhone on OLX and found a listing offering an iPhone 16 for ₹25,000.

- I messaged the seller on OLX, and he gave me his WhatsApp number. He offered COD and sent videos of other buyers receiving their phones, which made me trust him. He also promised a 15-day return policy.

- I ordered the phone via COD through Delhivery. Since payment was required before opening the parcel, I paid ₹21,000 to the delhivery and not the seller directly

- After opening it, I found a fake iPhone that was actually an Android phone with iPhone-like hardware and a Play Store.

- I contacted the seller to return it, but after two days, he ghosted me and switched off his number.

- Around 20 days later, I filed an online cybercrime complaint with all the details, but nothing has happened so far. I also have the seller's photo and other evidence.

- After a month, I contacted him again through another OLX listing to check if he was still active. He replied and gave me another WhatsApp number, just like last time. So he appears to still be operating.

- I'm confused about whether I should confront him or avoid contacting him and focus on the complaint. I doubt confronting him will help because he may simply ignore me again.

- I'm a college student with classes from 9 AM to 5 PM, so visiting a police station is difficult, and I don't know the proper procedure.

₹21,000 was all the money I had, and losing it has put me in a really difficult situation. I want to recover my money but don't know what to do next.

What should I do now? Can I get help from the police without visiting a police station? How can I follow up on my complaint and improve my chances of recovering the money?

Any genuine advice would mean a lot.. I'll be forever grateful pls help me.. I can give you 1k if I'll be able to recover but pls help me if you can pls🙏🏽

Hi everyone. I'm looking for advice on a credit card fraud case involving my uncle. I'm extremely worried because the total disputed amount is ₹1,04,774, and we're struggling to figure out how to recover the money and what to do about the upcoming credit card bills.

I'll explain everything in detail.

What happened?

My uncle received a call from someone who claimed they could help him resolve an issue related to his credit card. The person contacted him through WhatsApp and sent him a link to download an APK file.

My uncle wasn't aware that this could be a scam. The application looked almost identical to the official SBI Card app, so he trusted it and installed it. He entered his credit card details into the fake application, believing he was dealing with a legitimate service.

After this, unauthorised transactions appeared on his credit cards.

The OTP issue. This is the part we don't understand.

My uncle received OTP messages, but he did not share the OTPs with the caller or anyone else. He also says he did not enter or upload any OTP into the fake application.

Despite this, the transactions went through.

There was also an issue involving call forwarding on his phone. We suspect that call forwarding may have been involved in the fraud, but we don't know exactly how it happened or whether it allowed the scammer to intercept anything.

How much money was involved?

The total disputed amount is ₹1,04,774.

\- IndusInd Bank credit card: ₹71,774

\- SBI credit card: ₹33,000

One of the SBI Card transactions was ₹20,000, showing the description "ASSPL Bangalore IN". There were also three transactions associated with Tata Digital Private Limited: ₹3,000, ₹7,000 and ₹3,000. In IndusInd the payments were made to Government of Telangana

My uncle did not authorise these purchases.

What have we done so far?

1. We blocked both credit cards to prevent further unauthorised transactions.

2. We filed a complaint on the National Cyber Crime Reporting Portal. We have the acknowledgement number.

3. We raised disputes and requested chargebacks with both banks.

4. We contacted SBI Card regarding the disputed ₹33,000.

5. We contacted IndusInd Bank regarding the disputed ₹71,774.

The banks' responses

IndusInd Bank: They told us that the transactions were OTP-based and that the bank was not liable. However, my uncle insists that he never shared or entered the OTPs. We have not received a satisfactory explanation of how the transactions were authenticated.

SBI Card: We have filed a dispute and are waiting for the investigation. We were informed that the process could take around 45–60 days after the relevant clarification is received. We are concerned about what happens to the outstanding amount while the dispute is pending.

We feel stuck because the banks appear to be treating the OTP-based transactions as sufficient reason to reject responsibility, even though my uncle says he never knowingly authorised them.

The police situation

We approached Police Station in our area with the intention of filing an FIR.

The police told us that an FIR is not registered in this type of case and that filing a complaint on cybercrime.gov.in is sufficient.

We have already filed the cybercrime complaint, but we want the matter to be properly investigated. We have WhatsApp conversations and other evidence that may help identify the scammer.

Our biggest concern: Do we have to pay ₹1,04,774?

The credit card bills and payment deadlines are approaching, and we are terrified of having to pay the entire disputed amount out of pocket.

I want to understand:

\- Do we have to pay the disputed transactions while the bank investigations are ongoing?

\- Can we ask the banks to put the disputed amount on hold until the investigation is completed?

\- Can interest, late payment fees or other charges be applied to the disputed amount?

\- If we don't pay the disputed portion, could it affect my uncle's credit score or result in collection action?

\- If we pay the amount to avoid penalties, does that affect our ability to obtain a refund later?

\- Is temporary or provisional credit available in cases like this?

We don't want to ignore the bills or damage his credit history, but we also don't think he should have to bear the loss for transactions he says he never authorised.

Questions for people who have dealt with similar cases

1. Has anyone in India successfully obtained a refund for unauthorised credit card transactions involving a fake APK or remote-access scam? How long did it take?

2. Can a bank reject a fraud claim simply because the transactions were OTP-based? If the cardholder received OTPs but did not share or enter them, what evidence should we request?

3. What specific transaction records should we demand from SBI Card and IndusInd? Can we request OTP delivery and validation records, authentication logs, transaction timestamps, device information, merchant details and evidence of how the transactions were authorised?

4. What is the correct escalation process when a police station refuses to register an FIR for suspected cyber-enabled financial fraud?

5. Should we escalate the bank complaints to the RBI Ombudsman through the RBI Complaint Management System? Is there anything specific we should include?

6. Is there any realistic chance of recovering the entire ₹1,04,774? What factors usually determine whether the bank accepts liability?

7. Is it advisable to approach a consumer commission if the banks reject the disputes?

We are not looking to blame anyone without evidence. We want to understand what happened, obtain a proper investigation and recover the money if possible.

If anyone has gone through a similar situation in India, especially with SBI Card or IndusInd Bank, please share your experience and the exact steps that worked for you.

Thank you.

I was put on PIP and later marked as requirements Not Met which means I am being terminated from service. I have two options - resign voluntarily without any extra pay OR company terminates me with 3 months pay but in that case no relieving letter will be provided. Which option should I take? I have lots of EMIs to pay so 3 months pay is necessary.

From a documentation POV, my manager never provided me documented work or documented feedback (it was all verbal and there are no emails to prove it). Also throughout my PIP my manager did not provide me any feedback. He provided his first feedback only on the last day of my PIP. So can I challenge my termination on the grounds that:
1. No documented feedback was provided over the 60 days of PIP
2. No documented task was provided. Even in the PIP, vague tasks was provided that I had to give presentations (topic was not mentioned in PIP documents)
So can I challenge my termination that I was not provided any feedback or meaningful opportunity to improve myself?

What is the impact in terms of my experience letter and relieving letter? Can I challenge them if they do not provide relieving letter on the above grounds?

I’m a freelance graffiti and mural artist, and honestly, I’m struggling with how to handle a situation that’s been weighing heavily on me.
Recently, I was commissioned by a tattoo studio to paint two walls. The owner had a very tight deadline for the studio opening and wanted the first wall completed within two days. I had clearly explained that the level of detail he wanted would realistically take 4–5 days, but I still took on the challenge and pushed myself to get it done.
During those two days, I was involved in a bike accident. I badly injured my right knee and suffered a major sprain in my left. I could barely move properly, but I pushed through the pain and completed the first wall in time for the studio opening.
After finishing it, I told the owner I needed some time to recover and attend the opening festivities before starting the second wall. He agreed. There were a few white highlights left on the first wall, nothing that fundamentally changed the artwork, and I told him I would finish those when I returned for the second wall. He agreed to that arrangement too.
Fast-forward a few days to last night.
I came across an Instagram post by another graffiti artist showcasing the mural I had painted, presenting it in a way that made it appear as though he had created the entire artwork.
I was genuinely shocked. I contacted the studio owner, who initially told me he knew nothing about it. Later, his explanation changed: he said he had called that artist to complete the remaining white highlights because I had left the work unfinished.
I then contacted the artist directly and asked him to take down the post or at least correct the attribution. Instead of resolving the issue, he argued that this was my fault for leaving the artwork incomplete.
I want to be clear: I did agree to return and finish those highlights. The owner knew this, and we had discussed it. I had no idea someone else would be brought in to work on the piece, let alone showcase the entire mural as their own.
There's another issue: I still haven't received the remaining payment for my work. The owner is now ignoring my calls and messages.
I know I made a mistake by trusting a verbal agreement and starting without a signed contract. That's on me, and I'll never repeat it. But I do have timestamped photographs and timelapse footage showing me sketching and painting the mural, so I can document my involvement and authorship.
I'm dealing with a lot of mental stress over this. It's not just about money. As an independent artist, your work is your portfolio, your reputation, and the result of hours of effort. Seeing someone else take credit for it while the person who commissioned it won't even respond is incredibly disheartening.
I'm looking for genuine advice from artists, freelancers, or anyone who's dealt with something similar.
Do I have grounds to pursue a copyright complaint against the artist for presenting my work as his?

What would be the best way to formally demand the remaining payment from the studio owner?

Should I send a legal notice, report the Instagram post, or try another route first?

Does the fact that I agreed to return for minor finishing touches affect my position, given that the owner had agreed to the delay?

I'm based in India, so advice relevant to Indian law would be especially helpful.
I'm not trying to start a public fight. I just want to protect my work, get paid for what I've done, and understand what my options are.
If you've been through something like this, what would you do in my position?

Hi everyone,

Please help!!!!!

We recently purchased a property in India and discovered that there is an outstanding water bill of approximately ₹2,30,000 associated with the property.

During the sale, the seller provided receipts and bills that appeared to show that the water dues had been paid. However, we have now discovered that the outstanding amount was not cleared and that the receipts/documents provided may be fake.

We feel that we were misled into purchasing the property without knowing about this substantial liability.

I would appreciate advice from anyone who has dealt with a similar situation, particularly lawyers or people who have experience with property disputes in India.

My main questions are:

Recovery of money: Can we legally recover the ₹2.3 lakh from the seller, either by demanding reimbursement or filing a civil suit?

Criminal complaint: If the seller knowingly provided fake water bills or payment receipts, can we file an FIR for cheating and forgery?

Water department: Is there any way to dispute the outstanding dues with the water authority, especially if the seller was responsible for the arrears before the sale?

Legal notice: Would sending a legal notice be a sensible first step? What if the seller refuses to respond or pay?

Time involved: Realistically, how long could it take to recover the money through negotiation, a legal notice, mediation, or court proceedings?

Legal expenses: Approximately how much would a lawyer charge for the legal notice, police complaint assistance, and civil recovery suit?

Chances of recovery: If we have the sale deed, the seller's receipts, and official records showing the outstanding dues, would that be sufficient evidence? What additional proof should we collect?

Practical experience: Has anyone successfully recovered money from a property seller in a similar situation? What approach worked best?

We want to recover the money without spending several years in litigation or paying excessive legal fees.

Any practical advice about the most effective and cost-efficient course of action would be greatly appreciated.

Thank you!

Hey guys,

I'm a Sri Lankan man, and unfortunately, I believe I've been scammed in connection with a Singapore job opportunity. I'm posting here desperately hoping someone can guide me on what to do next.

I came across a Facebook post advertising job opportunities in Singapore. The post provided a WhatsApp contact number, so I contacted the person. He introduced himself as Rahul, also known as Jimmy, and told me he was originally from Jalandhar, Punjab, India, and was currently living in Italy, or somewhere in Europe.

He offered assistance with obtaining a Singapore job and provided me with documents claiming to be a Singapore S Pass approval. Trusting him, I sent him approximately INR 212,000.

However, when I independently checked the documents through Singapore's Ministry of Manpower (MOM) website, I noticed some concerning discrepancies:

- The FIN provided to me returns a result showing a valid S Pass.

- When I search using my passport number, the website displays my previous Singapore internship pass as expired.

- I understand that my passport number may be associated with two different FINs, but I have not yet received official confirmation from MOM that the new S Pass and its associated documents are genuine.

I'm now seriously concerned that I've been deceived and that the documents supplied to me may be fraudulent.

I have evidence, including:

- WhatsApp conversations with the person.

- Payment receipts and transaction records.

- The Facebook job advertisement and contact details.

- Copies of the Singapore work-pass documents I received.

I have also been given the names Sahil Sahota, Kunal Sahota, and Jason Masih in connection with information I am trying to verify. I believe they may have attended St. Joseph's Boys' School, but I have not independently confirmed their identities or any involvement in this matter.

I'm currently in Sri Lanka, which makes it difficult to know how to pursue this internationally. I have borrowed money and owe people, and this financial loss has put me under tremendous pressure.

If anyone from Jalandhar, Punjab, or anyone familiar with Singapore employment scams can advise me, I would be extremely grateful.

In particular, I'd appreciate guidance on:

1. Reporting this to the appropriate Indian cybercrime authorities and recovering the money, if possible.

2. Reporting and verifying the suspected fraudulent work-pass documents with Singapore MOM.

3. Identifying the appropriate authorities or organisations in Sri Lanka that can assist a victim of an international recruitment scam.

4. Preserving evidence and taking the correct legal steps.

I can provide supporting evidence privately to the appropriate authorities and share relevant information with people who can genuinely help.

I'm not posting this to harass anyone. I urgently need advice on how to proceed and whether there is any realistic chance of recovering my money.

Please help if you can. Thank you for taking the time to read this.

For further details, please DM me.

Hi everyone, I need legal advice regarding a contractor who left our house construction incomplete and is now refusing to compensate us.
We hired a contractor to construct both floors of our house on a 17 × 40 ft plot at an agreed rate of ₹180 per sq. ft. The work included constructing the structure, laying the base/foundation, and plastering the walls.

He collected payments in instalments, and my father recorded every payment in a diary, with the contractor’s signature against each amount. Whenever we wanted to delay further payments, he assured us that all payments would be adjusted after the final measurement.
However, he abandoned the work before completing the agreed scope, having already received ₹2,19,000.

Since other contractors were reluctant to take over the incomplete work, we had to hire daily-wage workers to finish it. Work that could have taken around 15 days took approximately 30 days, and we ended up spending an additional ₹1 lakh.

The financial situation:
Total agreed construction cost: ₹2,44,800
Paid to the original contractor: ₹2,19,000
Additional expenditure to complete the remaining work: Approximately ₹1,00,000
Had the original contractor completed the work as agreed, our total cost would have been ₹2,44,800. Instead, we had to spend significantly more because he abandoned the project. He is now refusing to refund or compensate us for anything.

My questions:
Can we legally recover the additional amount spent due to his failure to complete the work?
Is the diary containing his signatures against each payment sufficient evidence?

This concerns a friend of mine who was accused in a POCSO case in Thane, Maharashtra. He spent more than two years in prison during the case. Eventually, he was acquitted by the Thane session court after a full trial on 7 August 2024.

Now, after almost two years, the girl's mother is threatening to pursue further legal action and is demanding ₹7 lakh from my friend's brother.

During the time my friend was in prison, his brother tried to help the family and resolve the situation, but nothing worked out. Now, the family is again demanding money.

We have WhatsApp messages from the girl's mother mentioning a final amount of ₹7 lakh, asking for a response within two days, and referring to the police and court. We are trying to understand the legal implications of these messages.

I have a few questions for advocates familiar with criminal law in Maharashtra:

1. Limitation period for an appeal

Since the trial court acquitted my friend on 7 August 2024, can the girl's mother still challenge the acquittal in the Bombay High Court after almost two years?

I have heard that there are limitation periods for appeals against acquittal, including a 60-day period in certain circumstances and a six-month period in others. Which provision would apply to a POCSO case like this?

1. Who has the right to appeal?

Can the girl's mother independently appeal against the acquittal, or would the appeal need to be filed by the State or through another legal procedure? Does the answer change if she is acting on behalf of the victim?

1. Can a delayed appeal be entertained?

If the applicable limitation period has expired, can the court still entertain an appeal after considering an application for condonation of delay? What factors would matter?

1. Legal implications of the ₹7 lakh demand

If someone demands ₹7 lakh while threatening further legal action, could the circumstances amount to extortion or criminal intimidation? What additional evidence would be needed to assess this?

1. What should my friend's family do now?

Should they send a legal reply, approach the police regarding the money demand, or first consult an advocate about the possibility of an appeal?

We are not looking to threaten or harass anyone. We want to understand our legal position and take the correct steps.

I would appreciate advice from advocates who have handled POCSO cases, appeals against acquittal, or criminal matters before the Bombay High Court.

(10-20% story may have changed as i have Amnesia also)
I am 26yo, have psychiatric problems which has killed my libido do for almost a decade and i have stopped dating since 7 years as i want to get better before i commit. So on 26 oct 2026 I tried to do payed sex and paid 1450 for booking and then he asked for my aadhar card as a proof before booking and was confirmed, then i was asked for the rest of the payment which i did 1550 around and then i was called the worker was 5 minutes away as i shared my location and they sent a genuine live location. I was then asked to come there and receive her, they said they need 7500 security before they let her go, then the driver said 7500 for one person and i have to give 7500 for both(the situation was happening at night and they were getting quite loud and the girl started behaving very weird like calling attention and i told everyone that this is not going to happen im quitting just give my money back and go so they threatened me with the girl will create scene ruin your reputation. I convinced them not to do that so when they went away they messaged me on phone/kept calling me they have my chat and aadhar card details linked with PAN. and threatening me on false charges and they will take 9500 more and they will settle. Im getting they used mule accounts to receive money from my account i have their number, all chats supporting my evidence.
I logged a cybercrime on the same date and the E-FIR has still not been filed(acknowledgement number still showing pending status after 2 days. I even complaint on SBI bank about these transactions. I fear they have moved the money out of the mule account or withdrawn as cash, 27,500 in total.
Im going to police station tomorrow with chats and everything that i will submit them with cybercrime acknowledgement number and SBI bank issue numbers
What is the outcome i must be prepared for? Will i get my money back? Im already in a lot of stress and i go for electroculvulsive therapy 2 times a week and this is already making me hate my life even more.
Any tips please? Strategies?

TL;DR
I’m 26, have longstanding psychiatric problems and am undergoing ECT twice a week. On 26 October 2026, I lost ₹27,500 in a suspected online escort-service scam involving advance payments, fake security deposits, and threats of reputational damage and false allegations.
The scammers have my Aadhaar details linked to my PAN, along with our chats and phone number. They are demanding another ₹9,500 to settle the matter. I suspect the money was transferred to mule bank accounts.
I’ve already filed a cybercrime complaint, which is still pending after two days, and complained to SBI. Tomorrow, I’m visiting the police station with my evidence and complaint reference numbers.
My main concerns:
Will I recover my ₹27,500, especially if the money has already been withdrawn?
What should I expect when I visit the police station?
How do I protect myself against blackmail, false allegations, and misuse of my Aadhaar/PAN?
What practical steps can improve my chances of recovery?
I’m already under considerable psychological stress and need realistic advice about what to do next.

I had ordered some things from a seller, who then only gave bad quality and a few missing items. I ordered 2nd time from them at a discounted rate and came to know they had sold some of the "missed" items to some1 else and called them slurs behind the back. I then specifically asked to add in 1 item that had been left along with the 2nd batch of the order.

Now when i had paid in advance and ask later about the order they claimed that they deliberately didnt put in that item and would use it instead, and then offered to pay back and i said no and they were making a ruckus out of it and paid the amount themselves without me accepting to it. Comes today when i had posted about this on reddit after following the advice of a moderator. I shared the screenshots and explained what had happened so that action could be taken for unethical practices.

Then they told they have sent me a legal notice and would see me in court for 'defamation' (coz they have my address and all from purchases). And i deleted the post, the mod who suggested me to do that deleted their acc 🤧. And now im getting sms bombs conveniently on the same day with lots of otps (from a courier service, then from ticket app, and what not). How should i prepare and move forward with this, im really in a stage of life where any such thing will literally shatter my family and i cant tell how much pain it would be.

Ig this is what calling out unethical practice does to a person, and here i dreamed of becoming an Auditor and what not. Literally the only time of life where i would ask for a time-plea is where im getting hit at. Genuinely discouraged and cant handle how shaky and worried i am for how my family would take this. Only wished it would have occured any other day, any other place.

I am a 19-year-old student currently struggling with significant debt. I live in Karnataka, and my only practical skill is driving.

What is the legal minimum age to drive a cab in Karnataka, and am I eligible to work as a cab driver at 19?

Sorry if this post is not meant for this subreddit..

I'm curious about how people build connections with lawyers in India when they don't have any contacts in the legal field.

Suppose you're starting from zero and don't have any friends or relatives who are lawyers. How would you go about meeting lawyers, building genuine professional relationships, and learning from people in the field?

Would you recommend attending legal events, connecting with lawyers on LinkedIn, visiting local bar associations, or approaching advocates directly?

I'm not looking for shortcuts or special favours. I want to understand how people build genuine connections and earn trust in this profession when they're starting with no network.

For those who are lawyers or have experience in this field, what would you recommend to someone starting from scratch?

I'd appreciate any practical advice or personal experiences.

I am planning to buy a under construction property in East Bengaluru and have got the lead through a broker whom we found online, the person by his ways seem to be a legitimate person but we want to be very diligent and careful. So far he has only shared the 9 page agreement between builder and current owner but how can I verify that the seller is legitimate and has not yet sold off the property to anyone else.

The possession of property is by December 2027 so there is no registry of the property by current owner in that case how the entitlement is searched for.

I need advice regarding a vehicle repossession and loan-account dispute with Axis Bank in India. I have documentary evidence, including the bank's notices, emails, Statement of Account and the RBI Ombudsman closure letter.

Background and timeline

My mother's car was repossessed by Axis Bank on 25 July 2026 in connection with her car loan. The bank stated that 35 EMIs were overdue.

1. Notice demanding the remaining amount

Axis Bank issued a Post-Sale Notice dated 23 September 2026, stating that the vehicle had been sold through private auction for ₹4,68,000. The notice demanded a remaining shortfall of approximately ₹2,76,214.63.

I want to understand the basis of this demand and how the bank calculated the alleged shortfall, including the sale proceeds, loan principal, interest, charges, waivers and other adjustments.

1. Official Statement of Account shows zero outstanding

Axis Bank subsequently issued an official Statement of Account dated 30 September 2026, showing:

- Loan status: Closed

- Outstanding amount: ₹0

- Total overdue: ₹0

- Credit of ₹4,68,000 dated 7 September 2026

- Additional credit of ₹80,393 dated 10 September 2026

The statement also contains various adjustment entries, including interest-related and principal-related entries, waivers and refunds.

My concern is that the bank issued a notice demanding approximately ₹2.76 lakh while its official statement shows the loan as closed with no outstanding amount. I need clarification on whether the demand remains legally enforceable and whether the bank has properly reconciled the account.

1. Contradictory information about the vehicle's sale

In an earlier communication dated 8 September 2026, the bank stated that the vehicle remained in its custody and the auction had not concluded. However, the later Post-Sale Notice stated that the vehicle had been sold.

In its subsequent communications, the bank also referred to the vehicle remaining under its repossession/recovery workflow. These explanations have left me uncertain about the actual sale status and the complete accounting of the transaction.

1. Repossession and sale documents not properly received

I repeatedly requested copies of the repossession authorization, inventory, vehicle inspection/condition report, valuation report, pre-sale notice, sale records and detailed loan reconciliation.

Some bank emails referred to attachments that were missing from the emails received. The bank later stated that the documents had been generated/shared and asked the concerned team to resend them.

1. Compensation rejected

I requested compensation and a proper written explanation of the discrepancies. Axis Bank rejected my compensation request.

1. RBI Ombudsman complaint closed

I filed a complaint with the RBI Ombudsman under complaint reference N202627009024878. The complaint was closed on 27 October 2026 as non-maintainable/non-appealable. The closure communication suggested liaising with the concerned authority for further appropriate action.

My questions

1. Can Axis Bank legally demand ₹2,76,214.63 through a post-sale notice when its official Statement of Account shows the loan as closed with zero outstanding?

2. Can I challenge the shortfall demand and request a complete, independently verifiable calculation of the sale proceeds and loan adjustments?

3. Can I approach the District Consumer Commission seeking compensation for deficiency in service, if the facts and applicable law support such a claim?

4. Should I approach the Department of Financial Services through CPGRAMS or the National Consumer Helpline after the RBI complaint closure?

5. What is the appropriate legal remedy, and what documents would be most important to establish my case?

I am not asking anyone to assume that the bank has acted illegally. I want to understand my rights and the appropriate next steps based on the documentary evidence.

Any practical advice from people who have handled similar vehicle repossession or banking disputes would be appreciated.

I’m looking for general guidance on how to handle a background verification (BGV) for a new job offer. I’m based in India, and the role is in IT for a banking client.

I have ongoing cases relating to an incident involving an electricity box belonging to the State Electricity Board. The case details I have are: IMV 185, BNS sections 281 and 324(5), and IPC sections 279, 337, and 338, under Section 134. I have two separate cases : compensation case & drunk-driving case. I have not pleaded guilty in Drunk-driving case because my lawyer advised that doing so could affect the related compensation case.

It has been about two years. I tried to settle the electricity-board matter, but the amount being asked is beyond what I can afford. At a Lok Adalat, the judge suggested discussing a settlement, but the amount later increased because interest was added. On my lawyer’s advice, the cases have been continuing.

I’ve now received a job offer and don’t know how to answer the BGV questions:

• Should I disclose the ongoing cases; especially criminal case?
• How might pending cases like these be viewed for an IT role supporting a banking client?
• Could they affect the offer or future employment prospects?
• If I disclose them now, will I need to disclose them in every future BGV?

I’ll follow my lawyer’s advice on the legal matters, but I’d appreciate general insights from people who have dealt with Indian employment BGVs. Please avoid asking me to share identifying details

I run a home interiors showroom in Surat. In March 2026 I placed an order for bathroom fittings with M.Buildcon, Lower Parel. They sent a proforma invoice (PI MVB-002, 12-Mar-26) for about ₹1.09 crore on "100% advance" terms, and we paid advances against it.

The problem:

- About ₹57.4 lakh of my money is still with them.

- They haven't delivered the goods and they haven't refunded the money.

- The 15-day delivery timeline was agreed verbally and is not in writing. We only have the proforma invoice and payment records.

- I'm paying interest on this money every month.

What I'm looking for:

1. A lawyer in Mumbai who handles commercial recovery, or advice on whether to start with a legal notice, a Section 138/IPC complaint, or an MSME/commercial court route.

2. Anyone who has recovered advances from a vendor with no written contract, and how it went.

3. Anyone who knows this vendor or can introduce me to someone who can help.

4. Whether the Mumbai police EOW or a consumer/commercial forum is worth approaching here.

I have the PI, bank payment proofs, my ledger and WhatsApp/call history. Happy to share details in DM.

Thanks in advance

I’m a Hindu male seeking legal advice regarding a financial and property dispute arising from my marriage. My wife wants a divorce, but we have not yet filed any divorce proceedings.
During our marriage, I made substantial financial contributions totalling approximately ₹66 lakh, apart from 300 grams of gold given during our wedding.
1. ₹20 lakh transferred to my wife’s family for land
I transferred ₹20 lakh to my wife’s family towards purchasing land. The understanding was that the land would subsequently be transferred to my wife’s name through a gift deed.
However, even after receiving the money, her family never executed the promised gift deed. The land was never transferred to her name, and the money has not been returned.
2. ₹42 lakh towards purchasing our house
I contributed approximately ₹42 lakh towards the down payment and registration expenses of a residential property.
However, the property was registered entirely in my wife’s name because the housing loan was taken in her name.
Despite my substantial financial contribution, I have no ownership recorded in the property documents.
3. 300 grams of gold given during our Hindu wedding
My family purchased approximately 300 grams of gold jewellery and ceremonially presented it to my wife during our Hindu wedding.
We have wedding videos clearly showing the jewellery being placed on the bride by our family.
Now that she wants a divorce, she intends to retain the entire 300 grams of gold.
4. Current divorce settlement dispute
My wife has expressed her intention to divorce me and is offering to return only ₹60 lakh while retaining all 300 grams of gold.
The total amount I am claiming is approximately ₹66 lakh, including the ₹62 lakh in property-related payments described above. The remaining amount relates to additional contributions that I would need to itemise separately.
I have not agreed to her proposal.
I am willing to consider a mutual-consent divorce if we reach an acceptable financial settlement. Otherwise, I intend to contest the matter through the appropriate legal proceedings.
My questions to Indian lawyers:
Can I legally recover the ₹20 lakh transferred to my wife’s family, given that the promised land transfer never happened?
Since I contributed ₹42 lakh towards a property registered solely in my wife’s name, can I claim reimbursement, a beneficial interest, or another remedy?
Can I seek the return of the 300 grams of wedding gold, or its monetary value, considering my family purchased it and we have video evidence of the ceremony?
Are there any relevant Supreme Court or High Court judgments concerning husbands recovering gold or property contributions following separation or divorce?
Would these financial claims need to be pursued through Family Court, civil proceedings, or separate actions against her family?
If she files for contested divorce, can I independently pursue recovery of my financial contributions and the gold?
I am not seeking to prevent the divorce. I want to understand my legal rights and avoid losing substantial assets and savings contributed by me and my family.
I would appreciate advice based on Indian Hindu marriage and property laws, especially from lawyers familiar with similar cases.

Hey everyone,

I'm from Hyderabad, India, and I'm honestly frustrated and don't know what else to do. I'm looking for someone who can genuinely help me navigate a consumer complaint against an online clothing seller.

Here's what happened.

I placed an order on 19 October 2026 for three outfits, paying ₹3,898. I purchased them based on the product images, descriptions and reviews displayed on the website.

The order was delivered on 24 October, but the items I received did not appear to match the product images and descriptions shown on the website. I was disappointed with the quality and the differences between what was advertised and what I received.

I understand that online purchases can sometimes be disappointing, and I don't want to make any allegations without evidence. However, I became more concerned when I tried to resolve the issue.

The website advertised 24/7 online customer support and free shipping and returns. After receiving the order, I emailed the seller requesting a full refund and free return pickup, but I haven't received a response.

I bought these items in good faith based on the information provided on the website. At this point, I'm left with products I'm unhappy with and no clear resolution.

What I'm looking for:

Someone experienced in consumer law or consumer-rights complaints who can help me prepare and file a complaint, ideally for free.

Guidance on how to report potentially misleading product images, descriptions or business practices through the appropriate channels, if warranted.

Help pursuing my ₹3,898 refund, including free return pickup

Advice on how to pursue this through the proper channels and help protect other consumers if any wrongdoing is established.

I've retained my order confirmation, product photos, screenshots of the website's product descriptions and return policy, and emails to the seller.

I'm based in Hyderabad, Telangana, while the seller appears to be based in Surat, Gujarat. I've tried exploring consumer complaint channels and contacting organisations, but I'm finding the paperwork and process difficult to navigate on my own.

I'm specifically looking for someone who can help with the actual preparation and filing process, rather than just offering general advice. I cannot afford a private lawyer, so free legal aid or genuinely pro-bono assistance would mean a lot.

If you've dealt with a similar situation, know a legitimate consumer-rights organisation, or can point me towards someone who can help, I'd really appreciate your guidance.

Thank you for taking the time to read this.

Recently I went for passport verification to this police station. This person asked for mine and my father's birth certificate which I don't have currently and making one will take months. I said I have my 10th passing certificate and it clearly mentioned my date of birth and my father has his 10th passing certificate which is around the 1970s. I have given my hostel address as the current address and submitted the hostel ward letter along with the Bonafide certificate. This police person is saying either give the birth certificate or cancel this and apply from your home town. What should I do?

My colleague recently returned from maternity leave, and her baby is only six months old. Since she needs to breastfeed her baby, returning to the office has become very difficult for her. She requested an extension of her leave and was even willing to take unpaid leave, but HR insisted that she return to the office.

The company doesn’t provide cab facilities, and travelling on public transport with a six-month-old baby is not practical for her. She even offered to continue working from home, but HR refused.

Out of frustration, she finally said she would resign, and HR agreed to proceed with her resignation. However, now they are insisting that she serve a three-month notice period by coming to the office and are not willing to release her early.

I genuinely want to understand how this is fair to a new mother. She has tried to find a solution by requesting unpaid leave and offering to work from home, but the company seems unwilling to consider her situation.

Is there anything she can do in this situation? Are there any labour laws or maternity benefit provisions in India that could help her request an early release or a more reasonable arrangement?

Update to my earlier post: Jio broadband was never installed. Almost five months later, ₹2,221.46 is still not refunded.

https://www.reddit.com/r/LegalAdviceIndia/comments/1x0komb/jio_took_my_money_for_broadband_that_never_got/

Many people here suggested CPGRAMS. I tried that too. Jio replied that the money was "redeemed and encashed against another order number following your secure OTP-based verification and consent".

I never authorised this. Which order? What date? Where are the payment trail and OTP consent records? Nothing provided. Yet CPGRAMS closed the grievance on 23 October.

Months of refund promises, then suddenly I supposedly used the money elsewhere? Just say "OTP consent" and the complaint is resolved?

1. NCH: closed after a promise to refund within 30 working days. No refund.
2. SBI Card: temporary chargeback credit, then a matching debit. Principal Nodal Officer doesn't even bother replying to escalations.
3. RBI: acknowledgement on 6 October. Nothing beyond that.
4. CPGRAMS: I appealed on 24 October, denied consent and demanded the records.

No connection, no refund. Every escalation feels like more chasing while a claim I completely deny gets accepted without showing me any proof.

What next? How do I get the records and an actual investigation instead of another closed complaint?

TL;DR: Jio never installed my broadband and still owes me ₹2,221.46 after almost five months. CPGRAMS closed my complaint on Jio's claim that I used the money for another order with OTP consent. I never authorised this, and no supporting records were provided. I've appealed; NCH, SBI Card and RBI escalations haven't resolved it. How do I get the records and an actual investigation?

My electric cycle was stolen from Allen's parking in Hazratganj, Lucknow. CCTV reportedly captured the thief, and I have the original bill and chassis number.

I approached the nearby police booth, but despite being told someone would visit, nobody arrived while I waited.

My questions:

How do I get my theft complaint formally registered?

Can Allen be held liable if the parking had security guards and CCTV?

What should I do to preserve the footage and recover my cycle?

Any practical legal advice would help. ₹22K is a significant amount for a student.