Family Exploited My Savings + HDFC Loan Threats – Need Advice as an NRI

[User_c7d3f371]

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User_c7d3f371
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March 1, 2025 at 5:43 pm

* **Family Dynamics**: NRI in the US for 12+ years. Earned modestly ($100K savings over 12 years). Sent *crores* to family in India under emotional pressure.
* **Stepfather’s Manipulation**:
1. **Property Pressures**:
* **Recent**: Forced me to buy 2 properties (cash-only deals, registered in my name). Later found out he used funds for home repairs/gold rings, claiming he took a *loan* (retired govt employee, ₹22k/month pension).
* **8 Years Ago**: Sent ₹8L for land – seller “vanished.” Relatives later revealed he secretly bought farmland.
* **Earlier**: Sent ₹2L for a flat deal I canceled. He kept the money, saying, “I’ll use it for myself.”
2. **Luxury Demands**: Pressured me to buy a ₹25-30L car. Refused cheaper options or sibling contributions.
3. **Fraudulent Ownership**:
* Added his name as *POA* and my mother’s name to property papers.
* Fear he forged my signatures on new documents.
* **Financial Burden**:
* **HDFC Home Loan**: ₹80k EMI + ₹60k/month sent to him.
* **Job at Risk**: Stopped 3 EMIs to test if he’d help. Instead, he gave my number to HDFC – now getting embassy threats.
* **Family Betrayal**:
* **Mother/Siblings**: Mother stopped contacting me. Siblings (both employed) pay nothing for household expenses.
* **Gaslighting**: Called “selfish” for questioning discrepancies.

**Ask**:

1. **Legal**:
* How to revoke POA/reclaim properties if he forged signatures?
* Can I sue for fraud if he lied about the ₹8L land deal?
* Lawyers in MP who handle family financial exploitation?
2. **Financial**:
* Negotiate with HDFC to avoid SARFAESI action while jobless?
* Recover money from “cancelled” flat deal (₹2L)?
3. **Emotional**:
* How to cope with losing family *and* savings?
* Therapy resources for NRI guilt/trauma?

*Throwaway account – please DM if you’ve escaped similar exploitation. Anonymity critical.*

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