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PDo you have whatsapp chats with you -wherein you asked him for money to be repaid ? that is proof enough. Sit tight dont worry. At the max you will have to declare this as part of your income for this financial year / tax year and pay tax on thisPWhich cards you have.. find out if you can ask for emergency cash from a local card service of visa or MCPNo need to travel.Visit nearest branch..you are only trying to help the bank. Tell them to pay ypuur ticket costs if they want you to visit the home branch. Let your local branch manager attest the letter you are giving, let him talk to your home branch manager and sort it out..it can easily be done.PExbanker and lawyer here. You write a simple application, attach their mail print outs and deposit with the bank. Ask bank also acknowledge and confirm reversal to you on mail.PGive a complaint in writing to the bank branch and ask them to reverse it..possibly wrongly debited to your account.PFirst step.File written complaint with branch. Ask for freeze on proceeds credited to wrong SB Account. Put the onusvon the branch to get the money back from customer. Ideally bank should reimburse you the balance, but if they get the money back from customer..it should be ok. Ask Bank to compensate you for 3 months interest also till March 2025. If they show reluctance escalate the complaint to nodal officer first and then to RBI BO if necessaryPStop payment of the cheque in your bank. Inform them on mail attach a copy of your loan closure NOC and tell them that the cheque is no longer validPIt cannot be terned illegal ..such a clause is included for welfare of employers and their institutions.. cant be said to be against public policy, unless the amount is unreasonable and arbitrary (much beyond resources spent in training the employee). So to understand the demand of the employer and for a lawyer like me to reply or counter it..docs are needed. Also companies like this have seen many instances like this and must be knowing how to tackle them.Such things are best negotiated across the table.PHi young man. From what you write, the only option left is for the house to be auctioned by the bank or your dad sells it with outstanding dues used by bank to close the loans. This is the only way to prevent any further losses /defaults. When you grow up you can buy a house..till then grit your teeth and live on rent.PTry this for getting an idea 💡 https://www.bajajfinserv.in/stamp-duty-calculator
