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Missing Money: Should I Suspect My Uncle's Son?

Anu

Anu Krishna  |1633 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 14, 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
Sanjay Question by Sanjay on Mar 12, 2025Hindi
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Relationship

Hello Madam, Request your guidance on query on behalf of my friend - On 2-3 occassions money has been stolen from friend's wallet, he has doubt on his uncle's son staying in their house but not sure...please advise !!

Ans: Dear Sanjay,
What would you do if something like this happened in your house? Suggest the same to your friend.
But also, before accusing or doubting someone, please make sure that your friend has not misplaced the money.

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  |615 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 07, 2024

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Hi, my only son aged 27yrs is in relationship with a girl aged 22yrs and she kept him as guarantor in her home loan of 20 lacs and took personal loan of 5 lacs from my son (which he took from NBFC and gave it to her). This all done without informing any of us in our family. She is from other state and she donot any family members except her single mom. We have undivided family with conservative mind set. Our family members are not willing to accept her in the family as she taking undue advantage from my son and feels untrustworthy....plz advice
Ans: Dear Srinivas,
While it's important to address the concerns within the family, it's also crucial to respect the individual choices and relationships of your adult son. Striking a balance between expressing concerns and allowing autonomy can be challenging but is essential for maintaining a healthy family dynamic Offer support to your son while guiding him about responsible financial decisions. Help him understand the potential consequences of being a guarantor and lending money Seek to understand the dynamics of your son's relationship with the girl. It's essential to know whether they have a stable and healthy relationship or if there are any red flags. Consider having a conversation with the girl to understand her intentions and reasons for involving your son in her financial matters.Keep the conversation respectful and non-confrontational to foster open communication Establish clear boundaries about financial involvement in relationships. Encourage your son to communicate with the family before making significant financial commitments.

..Read more

Anu

Anu Krishna  |1633 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 12, 2024

Asked by Anonymous - Jan 08, 2024Hindi
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Relationship
Hi, my only son aged 27yrs is in relationship with a girl aged 22yrs and she kept him as guarantor in her home loan of 20 lacs and took personal loan of 5 lacs from my son (which he took from NBFC and gave it to her). This all done without informing any of us in our family. She is from other state and she donot have any family members except her single mom. We have undivided family with conservative mind set. Our family members are not willing to accept her in the family as she is taking undue advantage from my son and feels untrustworthy....We have clarified to my son that in such a scenario you have to choose her or us leaving behind everything including the ancestral property. His girlfriend is not accepting him this and told him that she will accept him only if our family members accepts her. This has chaos in our calm and cool nature of our home as our son is throwing the tantrums everyday and disturbing the mental peace of every member of our family. Please advice us what can be done in this scenario as none of our family members are willing to accept her and also not wanting to part away my only son. Thanking you
Ans: Dear Anonymous,
Either your family sees her as someone who wants family approval and be happy with it OR you can doubt her as someone who has managed to cheat your son.
Which of it is true, only time will tell...Your son is blinded by love...how can you appeal to him? What can you say that will make him realize that he possibly can be cheated?
One way is to invite her to your home and ask her to come out clean about these money dealings and why your son chose to keep this information away from his family...If you are all convinced about her honesty, it will be easier to accept her into the family; otherwise there is a possibility that your son maybe able to see through her lies...
So, whether she is the right person for your son or not will be better known when you warmly invite her over and without any judgements give her a chance...making sense?

All the best!

..Read more

Ramalingam

Ramalingam Kalirajan  |9407 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 28, 2025

Asked by Anonymous - Apr 23, 2025
Money
Our estranged brother had taken away our mom's jewellery when she stayed with him for just 4 months. He also got papers signed by her to make himself nominee for her bank account where substantial amount is lying. We came to know of this after our mother's death. What legal action is possible?
Ans: You are going through a sensitive issue. Losing a parent is deeply painful. Facing a dispute with a sibling after that is more painful. I respect your courage in raising this matter. You are doing the right thing by exploring a legal route.

Let me guide you clearly and fully.

This answer will focus on:

Legal meaning of nomination

Jewellery taken away without consent

Rights of other legal heirs

Steps to claim rightful share

Documents and proof needed

Role of the bank in nominee disputes

Steps if the jewellery was misappropriated

What not to do during the legal process

How to act as a united family (if possible)

Role of Certified Financial Planner in family money

Final insights for long-term peace

Legal Meaning of Nomination:

Nominee is not the owner of the asset

Nominee is only a trustee of the money or asset

He must distribute it to legal heirs as per law

If there is no Will, all legal heirs get equal share

In your mother’s case, if there was no Will, all children are equal legal heirs

Nomination does not remove the rights of other heirs

So, even if your brother is nominee, he must share money

You can legally stop him from taking all funds

Banks often think nominee is full owner. But this is not correct by law

If challenged, nominee has to prove that the money belongs only to him

Otherwise, he must give others their rightful share

You can take legal action in civil court if needed

Jewellery Taken Without Family Consent:

Jewellery gifted to your mother is her self-acquired asset

If she carried jewellery with her during stay, that’s fine

But if your brother took it away forcefully or without sharing, that’s wrong

He must give it back or its value to all legal heirs

You can file police complaint if it was taken without consent

You can also file case for recovery in civil court

If he got mother’s signature by trick or pressure, that is invalid

Any property or jewellery taken by fraud can be recovered legally

You may need to show that others were not informed or consulted

This becomes stronger if other siblings support you

Statement from close relatives helps in such cases

Proofs like photos, bills, or locker details also help

Do not worry if you don’t have full documents. Legal process can still work

Your brother must prove he got it fairly. Not the other way around

Even if there was oral gift or Will, it must be valid under Indian law

Rights of Other Legal Heirs:

If your mother died without a Will, it is called “intestate death”

In such case, her children and spouse (if alive) are legal heirs

Each legal heir gets equal share in movable and immovable assets

Jewellery, money in bank, FDs and other valuables are all included

Nominee cannot claim 100% ownership unless proven by Will or gift deed

If you are 3 children, each gets one-third share

If there is father also alive, then all get equal share including him

You can file a case to divide the assets equally

No one has extra right unless mother gave it in writing properly

Steps to Claim Your Share:

Write to the bank asking not to release the money to nominee alone

Attach death certificate and legal heir certificate with the letter

If money is already released, ask for a copy of nomination form

File an application in civil court for partition and injunction

Ask court to freeze further movement of funds and assets

In court, ask for share in jewellery and bank balance

Share all available details of jewellery and assets

Court will call your brother to submit his reply

You must show you were unaware of the nomination and jewellery transfer

If he does not give satisfactory answer, court can order fair division

Legal heirs can also file a combined case if all agree

Documents and Proof Needed:

Death certificate of your mother

Legal heir certificate from Tehsildar or Municipality office

Identity proof of all legal heirs

Bank passbook copy of the account with nomination

Application form of nomination from bank (ask bank to share)

Statements, SMS records or any written exchange on jewellery

Bills or photos of the jewellery with mother if available

Affidavit from family members on ownership of jewellery

Any letter or note left by your mother regarding assets

Medical proof if your mother was not well during signing the nomination

All these documents support your case in court

Role of Bank in Nominee Disputes:

Banks follow nominee instructions as per form on record

They are not responsible to divide between heirs

But they must not release funds if legal heirs object before withdrawal

You can submit a stay request from civil court to block funds

Once bank is informed of the dispute, they must act neutral

They will not release full funds till matter is settled legally

If they release funds after dispute is known, you can hold them accountable

Try to communicate in writing and take stamped copies from bank

Steps if Jewellery Was Taken:

Try to collect basic proof of jewellery taken

Get statements from family or neighbours if needed

File a complaint with police if theft or misappropriation is suspected

Mention that she was under influence or pressure during that time

Police may ask your brother to explain his side

You can also go to civil court to demand value of jewellery

Court can ask him to return value or the items themselves

All legal heirs must sign this complaint jointly for faster results

What Not To Do:

Do not get into verbal fights or emotional threats

Do not block other heirs from attending rituals or family talks

Avoid public humiliation or WhatsApp group fights

Court looks at behaviour of both sides. Keep your calm

Let lawyer speak. You speak only with documents

Do not assume nominee becomes full owner – that is incorrect belief

Do not delay action – assets may be withdrawn or sold

How to Act as United Family (If Possible):

If other siblings support you, file a joint petition

Try talking to your brother before going to court

Explain that nominee is not sole owner by law

If he agrees, split wealth peacefully

If he does not, take legal action without delay

Family peace is always better than court, if possible

But if cheating is done, then court is the right option

Role of Certified Financial Planner in Family Assets:

CFP helps families keep joint asset records

CFP can guide on family wealth planning during life

CFP also advises on how nominations should be done properly

CFP ensures no confusion after death of any member

CFP can also guide heirs on division based on law

Certified Financial Planner is not just investment expert

He works with family goals, safety and legacy planning

Your family can benefit from one even after this legal case

Finally:

Your brother is nominee. That does not make him full owner

All legal heirs have equal rights if there is no Will

You must protect your family’s rightful share

Court can help divide bank money and jewellery fairly

Gather documents and file a legal claim

Try for family settlement, but prepare legally too

You are taking the right step by asking these questions

It is never too late to stand for fairness and truth

Family wealth must stay within all rightful members

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

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