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Truck driver missing with my truck: Stressed, jobless, and facing FIR - What should I do?

Anu

Anu Krishna  |1553 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 16, 2025

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Surendra Question by Surendra on Mar 06, 2025Hindi
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Relationship

I had given one person to run on agriment on another's truck rent, his mobile is closed for a month is not even giving money, the location of the car is also not being found. The car owner is looking for me to burst into FIR, I am stressed I have no job, earn up to 10000 a month, his truck is about twenty lakhs. What shall I do.

Ans: Dear Surendra,
Go to the cops and next time make sure you are being ethical. Unethical acts catch up eventually...The cops may help locate the vehicle.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Kanchan

Kanchan Rai  |555 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 21, 2024

Asked by Anonymous - Mar 20, 2024Hindi
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Hi Sir. I have a typical.problem here. I lend.money to one of.mynfriends for his bzness..I worked as a consultant for him. I made an agreement for the money given to him. Nevertheless he didn't return the money yet..I left him now some months back. Though I asked him to give bac money but he says he has lost lot in his bzness and also says he can't return the money. Sometimes indirectly he says that because of me he has landed in loss. I don't want to go.legally but it has been lot.ot.months that he has returned money. But now I can't wait. What should I do now..pls advise. Thanks
Ans: Navigating financial matters within friendships can be challenging, especially when agreements aren't upheld as expected.

Initiate an open and honest conversation with your friend about the loan. Express your concerns and feelings without blaming or accusing. Use "I" statements to convey how his actions have impacted you personally.
Give your friend an opportunity to explain his side of the story. Listen attentively to understand his perspective and the challenges he's facing with his business. Empathize with his situation while also emphasizing the importance of fulfilling financial commitments.
Instead of dwelling on past grievances, shift the conversation toward finding a solution that works for both of you. Explore options such as renegotiating the repayment terms, setting up a payment plan, or considering alternative forms of compensation if he's unable to repay the full amount immediately.
Validate your friend's feelings and concerns about the situation, but also assert the impact his actions have had on you. Help him understand the importance of honoring agreements and maintaining trust in the relationship.
Clearly communicate your expectations moving forward. If you're unable to reach a resolution or if your friend continues to disregard the agreement, be prepared to set boundaries to protect yourself financially and emotionally. This might involve seeking legal advice or taking further action if necessary.
While it's important to address the financial issue, prioritize preserving the friendship if possible. Reassure your friend that your intention is not to harm the relationship but to find a mutually beneficial solution. Emphasize the value you place on your friendship and your desire to work through this challenge together.
Use this experience as an opportunity for personal and relational growth. Reflect on what you've learned about trust, communication, and financial boundaries in friendships. Apply these lessons to future interactions to prevent similar issues from arising.
Ultimately, finding a resolution to financial disputes within friendships requires patience, empathy, and effective communication. By approaching the situation with understanding and a willingness to collaborate, you can work toward a solution that honors both your financial needs and the integrity of your relationship.

..Read more

Ramalingam

Ramalingam Kalirajan  |8103 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 14, 2025

Money
Hi I am 39 years old married women. I have a son. My husband recently died of heart attack. My husband bought a car 3 years back on loan. We were not aware of this loan as my husband told that it is purchased with full cash. After a month of my husband is expired we came to know that car is on loan. Car was nominated to his brother and loan surety was given by same brother.nearly about 15 days before death the car was met with accident and left in garage. my brother in law took the car from garage and even we asked they didn’t give. there is also car insurance. I am working in a private school and living in a rented house.my husbands younger brother was handling all money matters of my husband. My husband was paying only 4000 rent remaining I used to manage in my money. Me or my son not inherited any of the property nor any money not even a single rupee. From past 6-7 months bank person is calling me and asking to pay the loan. I explained the situation and told to seize the car.but bank person is not agreeing with that and forcing me pay the loan or do the signature and saying that he will send notices. also forcing me to give the car to my husbands brother eventhogh car is already with them. My husband became overdrunker and lost his mental balance 6 to 7 months before dieing because they big clashes and quarrel with his brothers. He was cheated by his bothers in the matters of money and properties. Now my question is who should pay the car loan. I am not able to pay the loan. Car is not with me . what I can do next?
Ans: I'm sorry for your loss. You're facing a complex financial and legal situation, but there are steps you can take to protect yourself and your son.

Understanding Your Liability for the Car Loan
Since the car loan was taken in your husband's name, the legal responsibility primarily lies with his estate.
The loan guarantor (your brother-in-law) also has a legal obligation to repay the loan if the primary borrower (your husband) is unable to.
You are not automatically responsible for repaying the loan unless you were a co-borrower or guarantor.
Since you and your son have not inherited any assets from your husband, you are not legally bound to pay the loan from your own money.
Role of the Bank in Loan Recovery
The bank can recover the outstanding loan amount from the assets of your husband.
If your husband did not leave behind any assets, the bank cannot force you to pay from your own earnings.
The bank has the right to seize the car and auction it to recover the outstanding amount.
If the car is with your brother-in-law, the bank should deal with him directly, as he was the loan guarantor.
What You Can Do Next
1. Communicate with the Bank in Writing
Write a formal letter to the bank explaining the situation.
Clearly state that:
You were not aware of the loan.
The car is not in your possession.
You have not inherited any assets from your husband.
The loan guarantor (your brother-in-law) should be held responsible.
Send this letter through registered post or email and keep a copy for future reference.
2. Ask the Bank to Repossess the Car
Since the car is on loan, the bank has the right to seize it.
Inform the bank that the car is with your brother-in-law and ask them to recover it from him.
If the bank refuses, remind them that it is their responsibility to recover the asset.
3. Do Not Sign Any Loan-Related Documents
The bank may try to make you sign documents making you liable for the loan.
Do not sign anything without consulting a lawyer.
4. Legal Action Against Your Brother-in-Law
If your brother-in-law refuses to return the car, you can file a police complaint.
The car is not legally his until the loan is fully repaid.
Mention in your complaint that the bank is asking you to repay a loan for a car that is not with you.
Role of Car Insurance in This Situation
Since the car was in an accident before your husband’s passing, the insurance claim should be processed.
If your brother-in-law has already claimed the insurance money, he should use it to repay the loan.
If no claim has been made, check with the insurance company and ensure that the rightful person (the bank) receives the amount.
Protecting Your Financial Future
1. Ensure Financial Independence
You are managing household expenses with your salary.
Create a budget to keep track of your income and spending.
If possible, try to save a small amount each month for emergencies.
2. Check for Any Unclaimed Assets
Check if your husband had any bank accounts, life insurance, or investments.
Contact his employer to check for any pending salary, gratuity, or provident fund.
If he had any LIC or other insurance policies, file claims to receive the benefits.
3. Secure Your Son’s Future
Ensure your son's education and other financial needs are planned.
If you receive any funds (insurance, savings, or benefits from your husband’s employment), invest them wisely.
Dealing with Bank Harassment
If the bank continues to pressure you, escalate the issue to higher authorities within the bank.
File a complaint with the Banking Ombudsman if necessary.
Seek legal advice if the harassment does not stop.
Final Insights
You are not legally responsible for your husband's loan unless you are a co-borrower.
The bank should recover the car from your brother-in-law instead of forcing you to pay.
Do not sign any documents without legal advice.
Take legal action if your brother-in-law refuses to return the car.
Secure your and your son’s financial future by checking for any unclaimed assets and planning wisely.
If you need further assistance, consider consulting a lawyer for legal guidance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,
www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

..Read more

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