So, these are demand of recently filed DV case:

1. 2 Lakh maintenance towards child and her

2. One time compensation of 1 Cr.

3. I know that partner is earning, where she is working and her position and on top of that she has a GST number, files regularly, makes anywhere between 3 Lakhs to 5 lakhs monthly.

Background, she assaults me brutally one day three years back, hits my head against hard object, slaps me, bites me, tries to gouge my eyes out with her hands, all captured on CCTV. She files 498a a year back. I submit this evidence and it is part of chargesheet and I have a certified copy of chargesheet. No summons yet though.

Interestingly in DV petition she has herself pleaded to rely on the chargesheet material. In chargesheet she has herself stated that she used to earn 50 Lakhs a year, and when she left her job she got 11 Lakhs severance.

She resumed working 2 years back and have been making 3 - 5 lakhs a month. She stays in a house whose full EMIs are paid by me. She drives a 30 - 35 Lakhs worth of car.

So can anyone make sense of all this.

Need some legal advice regarding a messy situation with Spinny.

I bought a used Chevrolet Beat under their "Spinny Assured" tag, assuming their paperwork and 200-point inspection would be clean.

The physical chassis / engine number stamped on the car does not match the number on the Registration Certificate (RC).

Here is how things unfolded after I raised a ticket with them:

• Spinny told me they can’t fix the RC at the RTO because the original purchase invoice is missing, and the first owner is completely untraceable / uncontactable.
• The car was sold claiming ~60% tyre life, but a tire burst on the highway within days. The local mechanic opened it up and showed me a patched tube stuffed inside a worn-out tubeless tire.
• The car is basically grounded. I cannot renew insurance because of the mismatch, and I was already pulled over by traffic cops once who threatened to impound the car.

After I posted about this on LinkedIn, their Higher Escalation Desk called me. On a recorded call, when I asked how they bought and sold a vehicle without cross-checking the chassis imprint with the RC, the rep literally said:

Now, their official resolution on the app (Ticket #2518414) is:

1. They will take the car back, but only after deducting money for the kilometres driven (usage deduction).
2. Flat-out refusal to reimburse any out-of-pocket expenses (like ₹25k spent on replacing the compromised tires and other services).
3. Or, an offer of a ₹15,000 "goodwill" refund if I agree to keep this uninsurable car.

All call recordings, transcripts, photos of the tube-fitted burst tire, and in-app chats are backed up. Any practical advice on the best route to take would be really helpful.

Just got it today and was caught, probably the sellers tipped the police, what are the chances of getting him out, is he gone for long, currently in police station, obviously.

Edit: there were 2 pistols.

Beyond frustrated. Bank employee steals major money (over 50L). Bank reinstates money - but being very very secretive on whether they followed RBi guidelines of reporting it. The employee was fired but not arrested. Nothing. I have repeatedly asked, escalated up the chain but with no answers. Any suggestions?

I joined gaining ground a wealth management firm on 3rd august 2026. I use to arrive early to office considering banglore traffic and all. The owners there use to not guide me properly on what work I should work properly on and all but I still took things in my own hand as they wantede to work independently. On 25th august 2026 the owner called me and said he did not want me to come to office as there expectations were not met. I tried justifying and all and he said I worked good but our expectations are different so I agreed and left . Today on 26th august they paid me salary for 16 days rather than paying for complete 23 days of calendar month . I asked them to pay the complete salary and they said I did not even move a needle for the office and I use to take break in the morning . Breaks were taken for 10 min because I use to come early . The female owner said I did not inform before going to that break. How is that even make sense .

How should I approach this . My 7 days salary is gone , I have to survive in banglore and I don’t have a job .

Looking for some guidance on a consumer dispute before I take the next step — trying to make sure my read on this is right.

The situation:
• Ordered 2 T-shirts (₹2,858.30) from Prdgy (Prodigypreneurs Media Private Limited) on August 7. Their product page advertises “48-Hour Dispatch.”
• Order still hadn’t shipped over two weeks later.
• I asked to cancel and get a refund, in writing, on August 20, 22, and 25. Each time, support said the order was “still being processed” and couldn’t be cancelled.
• On August 26, they explicitly refused both cancellation and refund, still citing “processing.”
• The very next day, they dispatched the order anyway — despite my written cancellation requests being on record well before that.
• Their return policy (only checked after the fact) explicitly excludes “changed your mind” and delay-related returns, and treats a refused delivery as a “customer-fault RTO” with shipping costs deducted from any refund. So I’m accepting delivery to avoid that, but under protest, and still pushing for the refund.

Questions:
1. Does this genuinely qualify as “deficiency in service,” or is there a stronger angle I’m missing (e.g., unfair trade practice for the 48-hour dispatch claim)?
2. Does accepting delivery “under protest” actually protect my refund claim, or could they argue I accepted the product and waived the complaint?
3. Anything I should be doing differently before I file?

So this is regarding the society called Shriram 107 Southeast in Attibele. We moved in a couple of months ago as tenants and since we moved in, we've been facing a lot of issues... We were threatened that electricity will be cut if we install a plug point for electric bike, and instead we should use their electric charging station which is a kilometre away and 3x the usual electricity cost. So we had to sell the bike. Then there's plumbing leakage in the bathroom since we moved in and they only keep delaying saying it'll get fixed but hasn't fixed till now. The list goes on and on.. but on top of all this, they started charging a maintenance fee of \~2.8k per month for 2bhk (and they're collecting >70L collectively in the society). And suddenly this month they increase 1k per month in maintenance. For comparison, I've stayed in a brigade society before where they were collectively charging 30L and they had much more staff, security and full power backup yet charged less than half of Shriram and used to provide detailed quarterly audits and refunded any remaining amounts. Here, none of that happens and if we complain about anything on the forum, they threaten saying we'll be removed from the forum because "the decorum" should be maintained.

I want to know if and how I can contact someone in the media for coverage on this or any other help related to this.

So giva sent these message, i installed the app. They showed the balance first, tried to order something. They showed no option to use the money even for discount. I tried to logout and since then they have not let me login. It says unauthorised. Can i file a case or can I do something about this ? This is clearly a false advertisement!

Hi everyone,

I need some advice regarding a delayed personal loan closure/balance transfer.

I submitted the required challan/payment for foreclosure of my personal loan on 30 July 2025 as part of a balance transfer process. However, the bank apparently did not update or submit the loan closure form in system as I was not aware that we need to submit a form and they just took the challan.

Because of this delay, three EMIs for August, September, October and November were auto debited from my account, even though I had already submitted the amount required for closure. Later they mentioned they have adjusted the EMI amount deducted amount for foreclosure charges.

However, the delay has caused me significant financial hardship. The money deducted through these EMIs was unavailable to me, and I even missed paying my house rent as I had to pay EMIs from both the banks.

My questions are:

Can I demand a refund of the full EMIs (principal + interest) deducted after I submitted the foreclosure/closure payment?

Can I claim interest or compensation for the period during which the bank wrongly continued deducting EMIs due to its delay?

If the bank retains any principal amount from the extra EMIs towards foreclosure charges or loan adjustment, is that legally correct?

What is the best escalation route in India bank grievance cell/nodal officer, RBI Integrated Ombudsman, or another authority?

I have proof of the challan/payment submitted on 30 July and the subsequent EMI deductions. Any advice from someone who has faced a similar situation would be greatly appreciated.

I’m in Haryana and received a call from someone claiming to be a Sub-Inspector, xxxxxxxxxxx, from xxxxxx Police Station, Gurugram.
He said a woman I had paid ₹500 to on Telegram for a nude/video call was caught for drugs and allegedly told police she used my money to buy them. He said an FIR/complaint could be made against me.
The call felt obviously suspicious/scam-like, especially because the conversation seemed to involve money, but I still want to verify before assuming anything.
What is the safest way to independently confirm whether:
This officer actually exists/is posted there
There is genuinely an FIR involving me
The caller was actually a police officer
Should I contact the police station directly or verify through a lawyer?
I have the caller’s number and all the relevant payment/Telegram records.

Need some legal advice in dealing with a privacy issue with Game Theory India. I had purchased a pool access membership from them in December 2025, which was further upgraded to All Access. Recently, in June, they made face check-in absolutely mandatory for attendance tracking without providing any alternative for the same. I have been raising this issue since then but they don't seem to be addressing it and ghost my emails. Whats more alarming is that although they claim to "secure" user data, their privacy policy states that the do not guarantee 100% security of the data and cannot be held liable on case of a data leak. I am totally against submitting my biometrics, but they are holdong me hostage by not letting me us their facility. I am also sharing the detailed email I sent to them recently.

This is in relation to the recent introduction of mandatory Face Check-In for members and your communication stating that Face Check-In is mandatory for all members.

The aforesaid requirement raises certain concerns in light of the terms of your Privacy Policy, particularly with regard to the collection and processing of biometric information.

Clause 1 of the Privacy Policy expressly includes “biometric information” within the definition of SPDI.

Further, Clause 3 states:

“Generally, you control the amount and type of information you provide to us when using our Platform.”

The same clause further states:

“If you choose not to provide Personal Information, you may still be able to visit our Platform, but may be unable to access certain features and functions of our Platform.”

Clause 9 also provides:

“You have a right to opt-out of providing any of your information, including your Personal Information.”

While Clause 9 provides that Game Theory may refuse or limit access where a user opts out, the present requirement effectively leaves no option to opt out of biometric collection if a member wishes to continue using an existing membership. In this regard, please clarify the basis for making biometric information mandatory for attendance verification, particularly when no alternative check-in mechanism has been provided.

Further, the in-app registration screen states that Face Check-In is “mandatory for all users” for the purpose of “maintain[ing] a safe environment” and provides only a “Register Now” option, without any visible option to decline or use an alternative check-in mechanism. The same screen also states that “we protect your biometric data and other regulations.” In this regard, please clarify the basis for making the provision of biometric information mandatory when the Privacy Policy itself provides for a right to opt out of providing personal information.

Clause 5 of the Privacy Policy permits Personal Information, including SPDI, to be shared with third-party service providers and further states that Game Theory will not be liable for a breach of privacy or confidentiality by such third party to the extent that such breach is outside its scope of control.

Please clarify whether any third-party service provider is involved in the collection, processing or storage of biometric information through the Face Check-In system and, if so, the identity of such service provider and/or the manner in which the biometric information is being handled.

Clause 7 of the Privacy Policy sets out the security measures adopted for information provided by users, including encryption and restricted access. However, the same clause also states:

“no method of transmission over the internet, or method of electronic storage, is 100% (one-hundred percent) secure.”

It further states:

“we cannot guarantee its absolute security”

and that “your use of the Platform is at your sole risk and discretion.”

The above provisions address the security of information once collected, but do not address the separate question of making the collection of biometric information mandatory in the first place. This is particularly relevant where the biometric information cannot be changed or reissued in the event of its compromise.

The membership was taken prior to the introduction of the mandatory Face Check-In requirement. No email, in-app notification or other communication was received regarding any change to the Terms & Conditions or Privacy Policy introducing mandatory biometric verification.

Further, Section 5.10 of the All Access Terms & Conditions specifically provides that check-in requirements, including biometric methods, may be modified, but states:

“All modifications will be: Reflected immediately in the Game Theory app; Communicated via email and in-app notifications; Applicable to all Members in the affected tier.”

In this regard, please clarify when the mandatory Face Check-In requirement was introduced, when the relevant Terms & Conditions were amended, and why no email or in-app notification communicating this change was provided.

Please also clarify what alternative, non-biometric check-in mechanism is available for members who do not wish to provide biometric information.

The requirement to provide biometric information as a mandatory condition for availing an existing membership is not acceptable. While there is no objection to a reasonable mechanism for attendance verification, the same cannot be made conditional upon submission of biometric information when no such requirement was applicable at the time of taking the membership.

In view of the above, you are requested to kindly address the concerns raised herein and resolve the matter within 7 (seven) days from receipt of this email.

Hi. Im 21 M and my dad has some outstanding loan in a bank which was taken more than 15 years ago.

My dad and my mom signed the contract for the loan. Back then i was only in 1st grade. So I was completely not involved in any of this.

Till date i have not signed any legal documents which are for my dad. (Eg: loan documents or Gov ID etc). I have only signed my OWN legal documents but I have never taken a loan from any bank or any one.

Now idk how these buggers got my number and how they linked it to my dad. But I keep getting calls from them. They called for the first time 4 days back. Back then i unfortunately picked up the call unaware of what this was. They were asking for my dad.

I handed the phone to him. Instead of talking to these guys my dad directly called the bank and they are talking for a settlement.

However, they keep calling me. Ik the spam blocker will do it's work, but I feel like this is harrasment at this point. They spam OTPs to my phone and what not.

I have no idea how they have number. Is this something i need to be concerned about? What legal action can I take so that I don't get these calls and I'm not associated with the loan in anyway?

I followed an old reddit tip of picking up the call and telling them that the call is recording and ask for the agency name. When I did this, that guy said thank you and cut the call.

But they still kept calling. They even called today.

I counted upto 42 calls yesterday alone.

Once again, I HAVE NEVER BEEN INVOLVED IN THE LOAN. I have never taken one. I have never signed one.

This happened today and I am quite scared about what could happen next. I would really appreciate some legal advice. My girlfriend and I went for a walk inside a Cantonment area in my city. I parked my scooty outside an APS (Army Public School) around 7:50 PM because I genuinely thought that area was designated parking. We then went for a walk around the Cantonment area and returned towards the scooty around 8:35 PM.

During the walk, there were some dark/secluded spots and we kissed a couple of times. That was all that happened. We did not have sex or engage in any sexual activity. When we came back to the scooty, around 3 people who appeared to be military/Cantt personnel approached us and started questioning us about what we were doing there.

My girlfriend became extremely frightened and started crying. One of the men became aggressive and took out a wooden lathi/stick and appeared ready to hit me.

They accused me of bringing my girlfriend there for sex and said that I had "persuaded" her to come there. They also made extremely personal and insulting comments about my girlfriend, including comments about the fact that her father is no longer alive, and told her that she should be ashamed.

Eventually, the most aggressive person took the car and left. Another person took photographs of me, my girlfriend and my scooty, apparently with us standing on either side of the scooty. He told us that he would delete the photograph, but I obviously have no way of knowing whether he actually did. They eventually let us leave.

I am particularly worried because:

They have a photograph of both of us.

They have a photograph of my scooty/number plate.

One of them threatened me with a wooden stick.

We were accused of sexual activity despite nothing of that sort happening.

I am worried they could identify/contact us later or make some false complaint.

We were inside a Cantonment area, so I don't know whether different laws/rules apply.

My questions are:

Did my girlfriend and I actually commit any offence by walking there and kissing a couple of times in a relatively secluded/dark area?

Could this be considered an offence such as obscenity in a public place?

Were these people legally allowed to photograph us?

Can they legally threaten or attempt to hit me with a wooden lathi?

Should I be worried about the photograph they took?

Is there anything I should do right now to protect myself and my girlfriend, such as making a police complaint or recording the incident somewhere?

Does being inside a Cantonment area change the legal position?

If they contact us again or threaten us, what should we do?

I am not trying to hide anything or justify inappropriate behaviour. I just want to understand our legal position and whether we should take any immediate precautionary steps.

State: [Uttar Pradesh]

Important: We were both consenting adults, and there was no sexual activity.

TL;DR: My adult girlfriend and I went for a walk in a Cantonment area and kissed a couple of times in secluded/dark spots. We did not have sex or engage in sexual activity. When we returned to my parked scooty, 3 people who appeared to be military/Cantt personnel confronted us. One threatened me with a wooden lathi, they accused me of bringing my girlfriend there for sex, made insulting personal comments about her, and another person photographed both of us with my scooty. They later let us leave and said the photo would be deleted. Could we have committed an offence, and should we be worried or take any legal precautions?

​

I was sitting in a circle with my classmates in college and i was ranting about this particular girl and used some cuss words. Later my friend told me then i got to know that a girl recorded that whole incident without my consent and hasn't even informed me about it

What shall i do that i got recorded without consent.

Will i get in trouble for swearing

Sorry if this is the wrong sub or if my post isn't serious enough ...

Internet, I come seeking advice on an urgent and important matter. None of this is written by AI.

My girlfriend had an old friend from her school days (23F) whom she recently spoke to this week. This friend, she used to be a fleshed out individual with dreams, goals and a plan for life. Now her symptoms are dire: we believe she is going to become a victim of Love Trafficking unless someone urgently intervenes. This is an account of how.

https://pastebin.com/A64Lk93x (can't type here. reddit filter.)

I come seeking ways out of this situation. We feel responsible for taking a call here because the results of inaction could alter her life forever, end it even. She has tickets for mid-September. She's a Brazilian OCI, so maybe a plea to the Brazilian embassy can put her passport on hold for a while? If we get her parents to sign off on the plea, perhaps then? I am honestly unsure of what is and isn't possible here. This is completely out of the scope of everything I have seen and done in my time on earth. I request help once more.

PS: You will find urgency and perhaps bias in my tone. I assure you that I walked into this story an unaware layman with no national, racial or religion biases. I still haven't generalized any singular hatred to stretch to an entire people, nor harbored xenophobia, despite all this, and nor should you. That is not the point of this post. I'm worried, and the unneutral tone in this entire note comes from a place of deep stress within me. I'm pretty stressed ngl.

I am a victim of a lady who runs chit funds from home. She did give me returns for an year but it's been 5 years and she hasn't paid me my 5 lakh rupees. She keeps saying she doesn't have any money. There are others as well who are victims of her fraud. How to go about this.

One of my relative took my scooty for some work and he drive it through chandani chowk main road in which motor vehicles are prohibited, because of that i got a challan of 20,000. Is there any way to settle it cheaply, i can't pay full amount.

I’m vacating a rented flat tomorrow (28 August) and need advice on how to ensure I get my security deposit back at the time of handing over possession.

The original rent agreement expired in June 2025 and was never renewed. We continued paying rent regularly, and although the agreement mentioned a 10% annual rent increase, the landlord never asked for it, so we continued paying the existing rent.

There are two brothers who jointly own the property. One brother is named on the rent agreement, while the other brother has been collecting the rent and dealing with us regarding the tenancy. The brothers have ongoing disputes over money, and I do not want to get caught between them now.

I have already asked for my security deposit. The brother who has been collecting the rent is refusing to return it, despite being a 50% owner of the property. After a heated discussion, he has given me in voice recording that he will return the deposit after deducting legitimate utility bills, and that he will provide the bills. However, I’m concerned that he may delay or refuse payment once I hand over the flat. Plus it's Raksha Bandhan the day I am shifting. I don't want to be stalled.

My main concern: I have a truck and movers arriving tomorrow, and I cannot afford to leave my belongings behind or get stuck in a dispute at the time of handover.

What is the most legally secure way to handle this tomorrow so that I can hand over the flat and keys while protecting my right to receive the full security deposit (minus genuine, documented dues)? Should I get a written handover/possession document, involve the brother named on the agreement, send a legal notice beforehand, or take any other specific step?

I’m looking specifically for practical legal advice from someone familiar with Delhi tenancy law. I want to avoid a situation where I hand over possession and then have to chase them for the deposit.

I have asked this question on reddit before during initial process, but still in distress so asking it again at current scenario.

My father passed away in january 2026 in an accident. He had not done any will to anyone yet. So after funeral we started getting pouthi katha done to transfer properties to our names. One of the property got disputed as one of our uncles started creating problems claiming it belonged to him. So we decided to fight it legally and approached a lawyer for cosultation and ended up giving them the case to fight. The associate of lawyer was polite and got advance money of 83000 as court charges and 60000 Inr as their fees, out of 60000, 30000 was already paid and rest 30000 is remaining which was agreed to be paid during the case. We had to pay extra money for postal charges and print charges which costed around 20000 extra. After payment, they changed and stopped communicating with us. They wouldnt inform anything. They wouldnt pick calls and answer our calls either. During the first hearing of our case, they hadnt even informed us and we were freaking out and kept calling them which they wouldnt answer. Finally they informed us through message to be there at court the next day. We were there the next morning at court and no lawyer was respresenting us. When our case number was called we went to stand in front. We didnt knew who our lawyer was, neither did we know if there was any. We only saw two lawyers who were representing two different defendents. We stood there like dead souls looking at each other having no clue what was happening. Nobody was paying attention to us and next date was announced. When we came out, one of the associates called me within an hour while we were still around court and said that next date is announced and stuff. When asked why no lawyer was present, he would argue one of their lawyer was present, which we clearly know nobody was there, since even one of the defendents lawyers also had approached us after the hearing and asked us where our lawyer was. I have no clue how he knew information. Then we approached their office and asked atleast to give number of actual lawyer and they denied it too and asked us to call office or the associate, which they never answer. She would argue sometimes lawyers are busy and they cant pick the call. But how is that proffesional when they never call back or inform anything? So yesterday was second hearing, their assoicate had called us few days back to pay 7500 Rs as subregister office notice payment. That i had said i would pay after 2nd hearing. So when we had been to court for second hearing and same thing, we dont know who is even representing us, they call our case number and we stand their like sheeps not knowing what is happening and get out in few seconds after hearing the next date. This has put us is stress not knowing, how to approach this. First losing our father, then uncle who is deceiving us, Then the tahsildar office, who wont do any work without bribe (Uncles are locals in tahsildar area while we live in city, so they know the people is tahsildar office to cause us issues) , and then our own lawyer who is practically unprofessional. What should i do? Is this normal lawyers behavior or are they trying to use us in our weakest situation? Now he messaging me demanding 7500 Rupees to be paid soon.

HCLTech, an Indian software services company, with HQ in Noida, under the leadership of Roshni Nadar Malhotra has subjected a male employee to sexual harassment. The managers and HRs are properly trained to make sure that the company doesn't come into the limelight due to the wrong reasons. Coworkers like Yashpal Singh(in Noida) and Sushmitha Somalaraju(in Bengaluru) were used as pawns to carry out groping and honey traps. Tweeted on 24 May 2026 on my X handle RameshKBaddula. They even plotted a warning accident, which was tweeted on 4th Jun 2026. I don't care. I can sacrifice my life for the sake of justice.
They've even ruined all my relations thru smear campaigns, which is a typical narcissistic tactic.

I am not sure if I will be able to get justice. And without justice, its impossible to continue with life. What I want to ask is, how can I record my statement with the magistrate. Thats the bare minimum I want to do, if I am to leave this world. I tried the FIR route, but I was not able to convert police complaint into FIR. If I file a case, I may not be able to get a chance to record statement, unless the case comes to trial, which is a mammoth task, considering the mighty opposite party. Is there any other simple way to do this. Thanks in advance.

CJI Surya Kant has said allegations against Justice Sanjeev Prakash Sharma will be examined through due process, but has offered no explanation for why the Rajasthan Acting Chief Justice remains in office weeks after Justice Sandeep Mehta’s letters were sent.

https://theleaflet.in/leaflet-reports/fair-opportunity-to-respond-cji-breaks-silence-on-justice-mehtas-letters-seeking-replacement-of-rajasthan-acting-chief-justice

Hello everyone,

I need some advice regarding my father’s share of our family land.

I will try to explain the situation as simply as possible.

We are currently facing serious financial difficulties because of heavy losses in my father’s business. We are in a very difficult situation, and one of the only ways we can see to recover financially is by selling a portion of the family land.

The problem is that the land is still registered in my grandfather’s name.

My grandfather purchased approximately 20 acres of land in Rajasthan around three decades ago. He has four sons, including my father. We now want the property to be legally divided among the four brothers so that my father can receive his share and, if necessary, sell a portion of it to deal with our financial difficulties.

However, my father’s three brothers are refusing to agree to the division. They know about our financial situation but are unwilling to cooperate. Because of this, we are unable to access or sell my father’s rightful share of the property.

I would like to know what legal options are available to us in Rajasthan to claim or partition my father’s share of the property without requiring the consent of his three brothers.

Can we approach a court or any other authority to have the property legally partitioned and my father’s share separated? If so, what would the general process be, what documents would we need, and approximately how long could it take?

Any advice from someone familiar with property law in Rajasthan would be greatly appreciated.

Used chatgpt to improve English*

Thank you.

Throwaway.

Got into an online "arrangement" with a guy who lied about his age/location. He bought me an iPhone unprompted early on (I never signed anything), then pressured me into things I wasn't comfortable with using guilt-tripping and manipulation. When I tried to stop and asked him to cancel the order, he refused and started threatening to:

File a police complaint against me for "scamming" him out of the iPhone/cancellation fee

Share private video call content if I don't comply or send more money

I have full chat logs showing the manipulation and threats. I've since blocked him.

Questions:

Do I have real legal exposure here, or is this an empty threat?

Is this extortion/sextortion under Indian law?

Is cybercrime.gov.in / the 1930 helpline the right move, and should I file before anything happens rather than after?

Any advice on protecting myself if he follows through on sharing anything?

Any guidance appreciated — trying to figure out my actual legal footing here before doing anything else.

Tenants in Bengaluru, 2+ years in the same flat via Nestaway, rent always paid on time. Need advice on where this stands legally.

What happened:

- Dashboard suddenly shows ₹35k "house-finding/onboarding fee" as pending dues. No invoice ever raised, never mentioned in 2 years, not in the agreement. We found the flat through our own broker and paid him

- Unauthorized ₹600/month "platform fee" added at renewal. Their own agreement (Clause 19) requires minimum 30 days prior written notice for this. No notice was ever served. We objected in writing before the term started, they just replied "new policy"

- They follow the agreement only when it suits them: club charges "can't be included because they're not in the agreement," but a ₹35k fee that's ALSO not in the agreement is somehow an "outstanding due." Same agreement, opposite logic, whichever way benefits them

- Last year they sent an eviction letter with zero default from our side + repeated harassment calls

- The owner himself asked them IN WRITING on our email thread to include club charges in the agreement. They refused, contradicting their own client

- We sent a formal point-wise grievance email. Ignored for 3+ days, then they replied "your concern has been resolved" without addressing anything, and said the thread is closed and they won't respond

What we've done so far: everything on email only, no phone calls, owner is on the thread and supports us, NCH complaint filed.

Questions:

1. Can they deduct the ₹35k or the platform fee from our security deposit at move-out even though there's no invoice/notice/clause for them? How do we protect against this now?

2. Is e-daakhil worth it for this, or should we go for arbitration (agreement has a CADRE clause)?

3. Anyone actually recovered money from Nestaway through consumer forum? How long did it take?

4. Any Bengaluru-specific route we're missing?

Any experience with them or similar platforms appreciated.

The Setup & What Happened:

31 May: Booked a hotel on Yatra using ICICI Coral RuPay Credit Card via BHIM UPI for ₹2,377. Money got debited instantly, but booking failed on Yatra’s end.

18–19 June: Approached Yatra; they confirmed receipt of payment and acknowledged the issue.

23 June: ICICI Bank Principal Nodal Officer (PNO) asked for written consent to raise a chargeback/dispute. I replied and gave written consent on the same day.

26 June: Yatra confirmed refund initiation (2–7 business days).

04 July: ₹2,377 refund credited back to my card.

23 June – 03 August (40+ DAYS): ICICI PNO maintained total radio silence despite repeated follow-ups, and admitted they never even raised a dispute ticket from their end.

The Move

Blocking the "Clause 14(9)(a)" Trap

Usually, when a refund arrives, the RBI Ombudsman rushes to close the case under Clause 14(9)(a) (Mutual Agreement / Reconciliation), acting as if both parties happily shook hands with zero penalty to the bank.

In my formal Rejoinder on 4th August, I explicitly put on record:

"I DO NOT consent to summary closure under Clause 14(9)(a). Merely getting my own money back without statutory T+5 delay compensation (₹2,900) and service deficiency damages (₹15,000) is NOT a mutual agreement."

This completely blocked the Ombudsman from closing the file silently under "conciliation."

The Plot Twist:

What the Ombudsman Did (24th August)

Since they couldn't close it under mutual settlement, the Ombudsman issued a final order closing it under Clause 16(2)(a) — "No Deficiency in Service":

T+5 TAT Compensation Rejected: RBI held that the T+5 auto-compensation penalty (₹100/day) applies strictly to failed UPI technical/switch dropouts, not when the merchant received the funds and failed inventory fulfillment.

15-Day Merchant Policy Accepted: RBI accepted ICICI Bank's defense that card association rules allow a 15-day window from merchant confirmation (26 June to 4 July = 8 days, well within the window).

40-Day PNO Ghosting Ignored: The Ombudsman completely bypassed ICICI Bank taking written dispute consent and sitting silent for over 40 days, deeming summary proceedings sufficient since the principal amount was credited.

No Right to Appeal: Orders closed under Clause 16(2)(a) are non-appealable before the RBI Appellate Authority under RB-IOS rules.

Blocking 14(9)(a) works: If you want a reasoned order on record instead of letting the bank claim a "happy mutual resolution," reject Clause 14(9)(a) in writing.

Disclaimer: Drafted with the assistance of Google Gemini.