Banking & Financial Case Advisory
Expert advisory for banking disputes, loan fraud, and financial case matters.
30-min Consultation
Get clear guidance on your banking & financial case advisory — confidential and without commitment.
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What is Banking & Financial Case Advisory?
Banking and financial disputes in India — whether involving loan recovery notices, account freezes, wrongful CIBIL defaults, SARFAESI proceedings, credit card fraud, or NBFC harassment — require specialised legal knowledge and prompt action. Borrowers across India who receive a 60-day notice under the SARFAESI Act or a demand notice from a bank's recovery department often do not realise they have the right to challenge these actions before the Debts Recovery Tribunal (DRT) across India, the NCLT Bengaluru for insolvency matters, or the Banking Ombudsman. Similarly, customers whose accounts have been frozen, funds debited without authorisation, or credit scores damaged by incorrect bank reporting have strong remedies under the RBI's banking customer protection framework. At Right Assets Management, we connect you with qualified lawyers who specialise in banking and financial cases before India's DRT, NCLT, and civil courts. We are not a law firm, but our advisory team can help you understand a SARFAESI notice, review an NPA classification, assess your options under the IBC 2016, or prepare a Banking Ombudsman complaint for unfair bank practices. Whether you are a borrower, a guarantor, or a bank customer who has suffered financial loss due to bank negligence, we ensure you know your rights and have the right legal support.
Who Is This For?
- Borrowers who have received SARFAESI Act notices or possession notices from banks or NBFCs across India
- Individuals whose credit scores have been incorrectly defaulted by a bank or NBFC due to reporting errors
- Customers whose bank accounts have been frozen, funds wrongfully debited, or UPI transactions fraudulently processed
- Personal guarantors in bank loan matters who are being pursued for recovery after the principal borrower's default
- Business owners facing insolvency proceedings or CIRP before the NCLT Bengaluru bench
- Customers with unresolved bank service complaints — excessive charges, mis-selling of products, or cheque return penalties
How We Help — Step by Step
Document & Notice Review
You share the bank notice, loan agreement, SARFAESI notice, or account statement with our team. We explain what the notice means, the legal timelines involved, and what your immediate rights are under Indian banking law.
Advisory & Options Assessment
We outline all available remedies — DRT application, Banking Ombudsman complaint, NCLT filing, civil court injunction — and recommend the most appropriate and time-efficient path for your situation.
Lawyer Matching
We connect you with a banking law specialist across India who has experience before the DRT Bengaluru, NCLT Bengaluru, or consumer forums for bank-related matters, as required.
Banking Ombudsman Complaint (if applicable)
For customer service grievances, unauthorised debits, or mis-selling complaints, we help you file a complaint with the RBI Banking Ombudsman — a free, relatively fast redressal mechanism for individual bank customers.
DRT / NCLT Filing (if applicable)
For SARFAESI challenges, NPA disputes, or insolvency matters, your lawyer files the appropriate petition or application before the relevant tribunal across India. Urgent stay applications are filed immediately where there is a risk of property being taken over.
Evidence & Settlement Negotiation
We help you compile all financial records and correspondence. In many banking disputes, especially NPA restructuring matters, a negotiated one-time settlement (OTS) with the bank can be more practical than prolonged litigation.
Resolution & Credit Score Correction
Once the matter is resolved — by order or settlement — we assist with follow-up to ensure the bank updates your credit record with CIBIL and CRIF High Mark and withdraws any pending recovery notices.
Why Choose Right Assets for Banking & Financial Case Advisory?
- Understand SARFAESI notices and DRT proceedings before your bank takes possession of your property
- Access banking law specialists who practise before the DRT Bengaluru and NCLT Bengaluru
- File Banking Ombudsman complaints for free and recover unauthorised debits or bank negligence losses
- Challenge incorrect NPA classification and wrongful CIBIL defaults that are damaging your credit profile
- Explore OTS and loan restructuring options with advisory support during negotiations
- Get urgent court protection against imminent bank possession or attachment of assets
- Ensure post-resolution credit bureau corrections are made by the bank in the correct timeframe
Documents Required
Frequently Asked Questions
What can I do if I receive a SARFAESI notice across India?
A 60-day notice under Section 13(2) of the SARFAESI Act gives you a limited window to respond and repay the dues or challenge the notice. If the bank proceeds, you can file an application under Section 17 before the Debt Recovery Tribunal (DRT) across India to challenge the possession action. Acting within the 45-day DRT application deadline is critical — contact us immediately on receiving such a notice.
Can I dispute a wrong CIBIL default entry in court?
Yes. If a bank or NBFC has incorrectly reported a default on your credit bureau profile, you can first raise a dispute directly with CIBIL. If the bank refuses to correct the entry, you can approach the Banking Ombudsman or file a consumer complaint before the District Consumer Commission across India, claiming compensation for the financial and reputational damage caused.
What is the Banking Ombudsman and how quickly does it resolve complaints?
The RBI Integrated Ombudsman Scheme provides a free complaint forum for banking customers. Complaints are filed online through the RBI portal. The scheme covers unauthorised debits, failure to credit payments, mis-selling of products, and poor service. Most complaints are resolved within 30-90 days. Awards of up to ₹20 lakhs can be made against the bank.
I am a personal guarantor on a bank loan — can the bank come after me directly?
Yes, banks can pursue personal guarantors for recovery after the principal borrower defaults, including through SARFAESI if the guarantee is secured. However, the Supreme Court has clarified that personal guarantors in IBC insolvency proceedings have specific protections. A guarantor has the right to be heard and to challenge the demand before the DRT or in civil proceedings. Early legal advice is essential.
Is Right Assets Management a law firm specialising in banking cases?
No. We are a legal advisory and facilitation service. We review banking notices and documents, explain your rights and options in plain language, and connect you with qualified banking lawyers across India. For Banking Ombudsman complaints, we guide you through self-filing — the process is free and designed for individual customers without requiring a lawyer.
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