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Tejas

Tejas Chokshi  | Answer  |Ask -

Tax Expert - Answered on Aug 14, 2023

CA Tejas Chokshi has over 20 years of experience in financial planning, income tax planning, strategic and risk advisory, banking and financial products and accounting and auditing.
He is an information system auditor, a forensic auditor and concurrent bank auditor.
Chokshi, who has a master’s degree in management, audit and accounting from Gujarat University, has completed his CA from the Institute of Chartered Accountants of India.... more
Asked by Anonymous - Aug 13, 2023Hindi
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Money

Dear Rera Expert, What to do as the builder does not refund the money? He does not take Maharera orders seriously? Kindly advise

Ans: follow the procedure as per the Rera, there is separate appellate body
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 17, 2024

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Hi, I have a peculier case where we have purchased a property from a builder in 2016. However till today the builder has not constructed the property and hence we approached RERA to get our money refunded for which the RERA judge has given the judgement in out fafour and asked the builder to pay the money with interest. It is going to be more than a year but the builder has not given back the money, what to do?
Ans: In such a situation, you can take the following steps to enforce the RERA judgment and get your money refunded with interest:

Legal Action: Since the builder hasn't complied with the RERA judgment, you can initiate legal proceedings to enforce the judgment. Consult with a lawyer who specializes in property and RERA cases to guide you through the legal process.

Enforcement of Order: File an execution petition with the RERA authority to enforce the judgment. Provide all necessary documents, including the RERA judgment and communication with the builder, to support your case.

Consumer Court: Consider filing a complaint with the consumer court for deficiency in service and unfair trade practices. The consumer court can also order the builder to refund your money with interest and compensation for the delay.

Police Complaint: If necessary, file a police complaint against the builder for non-compliance with the RERA judgment. Keep all communication and documentation ready as evidence.

Public Grievance: Raise a public grievance against the builder through RERA's online portal or other relevant platforms to bring attention to your case.

Consult with RERA: Keep the RERA authority informed about the builder's non-compliance and seek their guidance on further action.

Remember to document all communication, legal proceedings, and actions taken to support your case. It's crucial to stay persistent and proactive in pursuing your refund with interest from the builder.

..Read more

Ramalingam

Ramalingam Kalirajan  |7026 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 11, 2024

Asked by Anonymous - Jun 03, 2024Hindi
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Money
My builder, a reputed one, delayed possession by about 6 months. Now they are not willing to compensate us as per RERA clause in agreement for sale. If we raise complaint with RERA, will we get our just compensation? What do the gurus think?
Ans: I understand the frustration and stress you're feeling due to the delay in your property possession. It's a common issue many face, and I appreciate your patience and resilience in dealing with it.

Understanding the Issue
Your builder delayed possession by six months, and now they refuse compensation as per the RERA clause. This is a clear breach of contract. You have every right to seek justice and compensation under RERA (Real Estate Regulatory Authority). Let's break down your options and the potential outcomes.

Raising a Complaint with RERA
Steps to File a Complaint:

Document Everything:
Collect all relevant documents such as the agreement for sale, payment receipts, and any correspondence with the builder.

Visit RERA Website:
Go to the official RERA website of your state. Each state has its own portal.

Fill the Complaint Form:
Complete the online complaint form. Include details about the delay and the builder's refusal to compensate.

Pay the Fee:
There is usually a nominal fee for filing the complaint. This can be paid online.

Submit the Complaint:
Once you've filled out the form and paid the fee, submit the complaint online.

Possible Outcomes
Positive Resolution:
If RERA finds your complaint valid, they will order the builder to compensate you. The compensation could be in the form of interest on the amount paid or even a refund with interest.

Builder's Defense:
The builder might argue unforeseen circumstances (like COVID-19) caused the delay. However, RERA considers only genuine and unavoidable delays.

Hearing and Final Order:
RERA will schedule a hearing where both parties can present their case. Based on the evidence and arguments, RERA will pass a final order.

Benefits of Filing a Complaint
Enforcing Accountability:
By filing a complaint, you're holding the builder accountable. This can deter them from repeating such actions with other buyers.

Compensation:
You could receive financial compensation for the delay, which can alleviate some of the financial burdens you've faced.

Potential Challenges
Time-Consuming Process:
The process might take some time, and there might be multiple hearings. Patience and persistence are crucial.

Builder's Influence:
In some cases, builders might use their influence to delay proceedings. However, RERA aims to be a fair and transparent platform.

Power of Legal Advice
While RERA is designed to be user-friendly, consulting a lawyer experienced in real estate can be beneficial. They can guide you through the process, ensuring all legal aspects are covered.


Final Insights
Raising a complaint with RERA is a strong step towards securing your rights and compensation. The process might be lengthy, but it's worth the effort. Regarding your investments, focusing on mutual funds can provide the growth and stability you seek for your future goals.

Always keep your long-term objectives in mind and review your portfolio regularly. Diversifying your investments and seeking professional advice will help you achieve your financial aspirations.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Dr Shyam

Dr Shyam Jamalabad  |78 Answers  |Ask -

Dentist - Answered on Nov 14, 2024

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Dr. Shyam, I had my teeth cleaned 6 months ago and after that was done I saw discoloration on certain teeth that wasn't there before. Years ago I had my teeth cleaned and one particular tooth after the cleaning was sensitive to touch. I had a crown put in from two different dental offices. The first one did the crown right, but was trying to charge me $3,500 more than the agreement they made with Medicare. Medicare corrected that. I other dentist did a crown and it didn't go all the way up to my gums and is sensitive to especially cold things. I'm not having very good experiences with dentist by and large. Can't find an honest one or one that can actually do the job right. I feel being on Medicare your a target to bring in money. Not sure what to do next. Supposed to go back and have them redo the crown that didn't go to my gums, but it also was ttd place to didn't clean my teeth right and discolored some of them. Any suggestions on how to trust there is actually an capable and honest dentist out there who can perform properly?
Ans: Identifying a capable and honest dentist is crucial for your oral health and well-being. Here are some tips to help you find one:

1. Ask for referrals: Ask friends, family, or coworkers for recommendations. They can provide valuable insights into a dentist's work quality and bedside manner.

2. Check credentials: Ensure the dentist has the necessary qualifications, certifications, and licenses. You can verify this information with your state's dental board or professional organizations like the American Dental Association (ADA).

3. Check online reviews: Look up the dentist on review platforms. Pay attention to the overall rating and read the comments to understand the strengths and weaknesses. At the same time, do not rely on reviews alone as these can be manipulated, fake reviews can be easily generated.

4. Evaluate their communication style: A good dentist should listen to your concerns, explain procedures clearly, and answer questions patiently. Ensure you feel comfortable asking questions and discussing your treatment.

5. Assess their facility and equipment: A well-organized and modern dental office with up-to-date equipment is a good sign.

6. Check their approach to preventive care: A capable dentist emphasizes preventive care, including regular cleanings, exams, and education on oral hygiene.

7. Be wary of over-treatment: A honest dentist will not recommend unnecessary procedures. Be cautious if you feel pressured into extensive treatments.

8. Trust your instincts: If something feels off or you don't click with the dentist, it's okay to explore other options.

10. Schedule a consultation: Many dentists offer initial consultations or meet-and-greets. Use this opportunity to assess their approach, ask questions, and gauge your comfort level.

By following these steps, you can increase your chances of finding a capable and honest dentist who prioritizes your oral health and well-being.

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Ravi

Ravi Mittal  |416 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 14, 2024

Asked by Anonymous - Nov 03, 2024Hindi
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Relationship
Hi, I am 30 years old not married & now my parents are forcing me to get married. I think i am good looking guy. It's not like i have never been with girls. I have had brief flings with multiple girls. And there was one girl whom i was in a platonic relationship with with lot of emotional sharing & have spent a lot of time with her. The same goes with another girl. Both of them have told me that i have been pretty cool & girls would like me to be their bf or husband. But i am not able to accept anyone because of the guilt that of my past that i never had a relationship. Never been able to tell anyone that i had a gf. I know this is wrong to compare my life but i can't stop thinking that way. Can you tell me what to do? Like a contsant regret of not having a very steamy cool fancy relationship from outside. I know relationships have it's own ups & downs. But this guilt is killing me that i missed out lot of things in life & if get married in an arranged marriage i would feel myself to be a looser who couldn't even find a girl on his own. Though i know all of these comparisons are wrong & i should be rational. I am not able to help it. Please help me out
Ans: Dear Anonymous,
Whatever you are feeling, it is very normal. More people than you could imagine go through this same phase. But as you mentioned, these are just thoughts; there is no truth to them. Not having a relationship does not make you uncool. It merely means that you did not meet your perfect match yet. I understand that you feel like you have missed out on something and that feeling is valid. It might not be reasonable, but it's very natural to think this way. I can suggest one thing- why don't you try a dating or matchmaking app to find your own partner? That way, you will be keeping your parents' wishes and won't let yourself down either. It will also give you more control over choosing your life partner.

Hope this helps.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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