Legal advise needec

[Rapidfalcon9869]

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Rapidfalcon9869
PARTICIPANT
April 23, 2025 at 5:29 pm

I have a personal loan in Kuwait, due to Covid 19 I lost job and came back to India, till the time I was in Kuwait I paid all the emi’s on time. Due to difference in income levels with the salary that I have in india I cannot payback the loan of kuwait, bank has appointed some third party bilkish who is threating of legal and criminal proceedings against me in india. It would be helpful if you can guide me the options that I have.

They are quoting some rejecting bail petitions in kerala as reference.

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[Silentrajnish997]

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Silentrajnish997
PARTICIPANT
April 23, 2025 at 5:40 pm

Don’t bother to respond or pay. If the amount is not large, ignore and tell the caller you are filing a harassment case.

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[Rapidfalcon9869]

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Rapidfalcon9869
OP
April 23, 2025 at 5:42 pm

Can you explain further if possible? What are the options in best case and worst case scenarios?

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[Silentrajnish997]

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Silentrajnish997
PARTICIPANT
April 23, 2025 at 7:46 pm

The loan is not in India. At best they can file a civil case in Kuwait to get you to pay. They are just trying to scare you to pay a loan they know it’s not legally tenable in India. If they could have filed a civil or criminal complaint in India, they would have already done that. They can’t. So they are trying to scare you.

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[Rapidfalcon9869]

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Rapidfalcon9869
OP
April 23, 2025 at 7:50 pm

A lawyer told me to go for one time settlement based on the fact that civil case judgement in Kuwait can be used and file a civil case in india, in these types of cases courts usually side with banks and ask the customer to payback with outstanding with interest. What’s your take on this!? Are you a lawyer by profession. Sorry if I overstepped. Just wanted to take confirmation

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[Silentrajnish997]

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Silentrajnish997
PARTICIPANT
April 23, 2025 at 8:38 pm

I had an outstanding CC debt in Singapore in 2007.
Didn’t pay it as my employer had removed me without notice or lending pay.
Returned to India.
Citi asked me to repay the outstanding debt. Told them to go fuck themselves.
They tried collecting in India through their branch.
Complained to RBI ombudsman about illegal and fake CC charges when I didn’t hold a CC in India.
Citi quietly stopped contacting me.

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[Rapidfalcon9869]

R

Rapidfalcon9869
OP
April 23, 2025 at 5:42 pm

Can you explain further if possible? What are the options in best case and worst case scenarios?

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[Desisonu9131]

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Desisonu9131
PARTICIPANT
April 23, 2025 at 5:49 pm

Hello. I am a practicing advocate. Do not pay. Let them take whatever legal action they can. It is anyway a civil matter, unless they resort to cheapskate methods of filing a false FIR. Please do not hesitate to reach out and send a personal messgae if you need any further assistance in the matter.

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[Epicgeeta9553]

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Epicgeeta9553
PARTICIPANT
April 23, 2025 at 6:21 pm

NAL:

If you don’t want to pay then don’t.

However make sure that you never travel / transit through GCC countries in the future as depending on the amount (if greater than KD 1000 usually but lower too depending on the bank, some go as low as even KD 100) there will be a lookout notice for you.

They can do nothing to you in India. You can ignore them

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