How can I write a letter to a bank manager to collect original documents of a house after closing the mortgage loan?
To The Branch Manager Name of the bank... Name of the branch Place, state 18 th June 2017 Subject : application for collecting original documents of a house Respected sir/madam With all your due respect, would like to inform you that this (your name) bearing account no........ In your branch. I had taken House loan (mention details) which has been closed now, so I request you to kindly issue back my original papers which were mortgaged in place of loan. I request you to kindly help me out with the proceedings as I have fractured my.... so sending someone on my behalf. Kindly help the person with the proceedings. Yours Faithfully ABC Hope this helped you out. ☺️
How do you transfer Vehicle Ownership ?
No need to spend a huge amount on so called agents...You can do it on your own !!Transferring of ownership is not something as big as it looks like. If you can read this article on Quora, then you can do it on your own as well ;)The task is divided into two parts :1. Online Application and payment, followed by2. Offline document verification and submissionOnline Application :Go to Parivahan Sewa --> Online Services --> Vehicle Related ServicesPut your Vehicle Registration Number and proceed.Navigate to Misc Online services(as depicted in screenshot) for Transfer of Ownership, changing address, duplicate RC etc.Fill the required details like last 5 digit of chassis number and generate OTP through your mobile number and show details.Select the checkbox [] Transfer of Ownership --> Fill the required details of the new owner --> PaymentIt happens with many users that the transaction gets timed out or cancelled at first. After which it takes around 1 1.5 hours to cancel the transaction from bank side and re-initiate the process. Please don't lose your patience there :)Take the printout of Receipt, Form 29(2 copies) and Form 30.If you wish to see the application status and reprint the receipt :Navigate to "See your application status" --> Enter Vehicle registration number -->Status --> Reprint receipt/form or Check Pending Transaction --> select transaction type(application in our case) and details--> Click on transaction ID2. Offline documents checklist :Form 29 (two copies)Form 30Receipt of Online paymentOriginal Registration Certificate + Photo copySelf Attested copy of valid vehicle insurance certificateSelf Attested copy of address proof of the registered vehicle owner(transferrer)Self Attested copy of valid pollution certificate (PUC)Self Attested copy of two address proof of the new registered vehicle owner (transferee)Photo (New owner/transferee)Chassis Print on Form 29 & 30 (If Chassis print is not clear then Engine Print)Aadhar Card(Transferor & transferee )If you have all these documents with you, then you are done :)Happy Transferring !!
Who pays the sales tax, the buyer or seller?
In most of the states, the sales tax is the liability of the buyer but if the seller has nexus (legal presence in the state), then the seller has the collection responsibility. If the seller doesn't collect the tax and was obligated to collect it, then the state can assess the seller and make them pay the tax. It would then be up to the seller to try to collect it after the fact from the buyer. If the seller does not have nexus in the buyer's state, then the buyer has the primary responsibility to pay the use tax to the state of use. There are a few states that impose a seller's privilege tax where the liability is on the seller and it is a negotiated part of the agreement between buyer and seller as to whether the buyer has to pay the tax. CA has a provision like this under their sales tax that applies to in state sales (buyer and seller and inventory all located in CA).
Is There Anyway To Send Money On Behalf of Someone Else?
No, the recipient does NOT have to give your name to receive it. The recipient only has to give whatever name you tell them is the sender's name. All anyone needs to send money is: 1) A first and last name to use on the form as the sender's name 2) A first and last name to use on the form as the receiver's name 3) Money All anyone needs to pick up the cash is: 1) The first and last name used on the form as the sender's name 2) The first and last name used on the form as the receiver's name 3) The eight or ten digit money transfer control number (MTCN#) 4) The test question and answer And, all too frequently, only one or 2 of above listed requirements are actually needed to pick up the cash and disappear. That is it, no ID required. If you are: 1) sending money as part of a work-at-home job 2) buying from craigslist/kijiji/forum/website 3) buying a pet or car/truck/trailer/motorhome/caravan 4) helping an online boy/girlfriend or refugee 5) paying taxes/fees on a loan/lottery/draw/government grant 6) paying visa/bank/airline/travel fees 7) paying deposit/rent for an apartment/house 8) paying banker/barrister/lawyer/court fees 9) paying a transportation/courier/shipping company 10) receiving/forwarding money onto someone or some company Then you are being scammed. Just keep in mind that Western Union and moneygram are unsafe and unsecure ways to send money. Western Union and moneygram do not verify anything on the form the sender fills out, not the name, not the street address, not the country, not even the gender of the receiver, it all means absolutely nothing. The clerk will not bother to check ID and will simply hand off the cash to whomever walks in the door with the MTCN# and question/answer. Neither company will tell the sender who picked up the cash, at what store location or even in what country the money walked out the door. Neither company has any kind of refund policy, money sent is money gone forever. If you google "Western Union scam", "fraud moneygram scammer" or something similar you will find hundreds of posts from victims and near-victims who lost money via Western Union and moneygram.
My boyfriend wants me to buy a car in my name since I have better credit & he will use the car & pay me monthly. What are the cons to this?
What are the PROs to this? If you want to make a joint commitment to each other, pool your resources and share responsibilities, it’s called MARRIAGE. You know this guy better than I do, but we both know he has lousy credit. How come he does and you don’t? Obviously we are looking at two different senses of responsibility. Can YOU make the payments on the months when he “forgets” to give you the money? For how long? And if you’re paying for a car, wouldn’t you like to drive it? Or at least know exactly where it is when you’re not?He wants you to commit your credit to a loan, buy a car and hand him the keys. He will then use or abuse the car as he sees fit. There are people in prison as you read this that are there simply because they let someone use their car. That friend went out and committed a felony. In many states you do not have to be present at a crime to be convicted of aiding and abetting or as an accessory to a crime. This means you get the same punishment. Your friend kills someone, you may be looking at life. IT HAS HAPPENED. IF IT’S IN YOUR NAME IT’S YOUR CAR!Less severe example: your boyfriend uses your car to go score or worse, sell, some drugs. He gets caught. Ever hear of civil asset forfeiture? Your car was used in a criminal act. It’s not your car anymore! It’s next stop is the police auction. You have no rights. The police do not have to prove you knew about the crime; they don’t even have to charge you. YOU have to PROVE you knew nothing. It’s hard to do when the car is in your name.Lastly,and this is a big deal, this deal puts you in an unfavorable position relationship-wise. Let’s suppose the relationship sours, or worse, becomes abusive. You’d like to end it but now you have to get the car back. He sure as hell won’t be paying for it. With luck you can get the car without having to go to court, and he won’t trash the car out of spite. Or will you avoid conflict and stay in a bad relationship because the complications deter you from doing what you know you should?Not just no. HELL NO.
EBay seller wants me to deposit into his bank account?!?
I purchased a 2006 Lincoln Navigator on eBay. I payed a $500 deposit to him through PayPal. He said he wants the remaining balance deposited into his bank account. It's at Chase Bank, he also said "This is my Chase bank branch address: 1599 Flatbush Ave, Brooklyn, NY 11210 (718) 859-5101" Is this ok to do or should I send him a payment through PayPal and just see what he does?
How are new cars registered in India? Is registration done at the dealership or does the dealer/owner need to drive it to the RTO?
In most cases dealer gets all the required docs signed and proofs collected from you and get the registration done from RTO on your behalf from their agent. Agents have contacts so they need not get the car to RTO. You can always get the car registered yourself but will have to drive to RTO and not worth the efforts i would say. Dealers charges nominal 500–600 rs etc with or without telling you for this.But sometimes dealers hold your RTO registration money for weeks and dispatch docs according to their wish . In my case they held my Registration money for weeks and by the time they sent my docs RTO tax had raised from 8 to 10% ,i had to pay extra just because of their this mistake.This is very rare case so no need to take a day off for registration only.Opt for dealer registration.
Would food stamp benefits be affected if someone purchased a new car?
yes. they are wanting a used car. and i'd just to point out that not everyone on government assistance is a mooch. my father in law owned a business for many years and broke his back while on the job. they have custody of my sister in laws kids because she was an abusive drug addict. the kids are in a safe environment with a family who love them. my in laws would not need food stamps if they werent taking care of the kids, and the disability check is necessary for them to live. they have paid in for over 40 years, so i believe the benefits they are getting are benefits they deserve from being responsible tax paying citizens. its not his fault he broke his back and cannot work, and its not the kids's fault thier mother is worthless. lets not judge please. thats not what my question was about.
What happens if you don't pay a title loan and they DONT come take your car?
If you're delinquent on your vehicle loan (in breach of contract), the vehicle CAN be possessed at ANY time. Just because they haven't doesn't mean they won't. Even so, until they do, unless you obtained the loan fraudulently, you're freely entitled continued use of the vehicle as its current owner. As a contractual leinholder, the bank or finance company can (and likely) will take independent actions, up to and including referring your account to their own collections department, a collection agency, and/or report your delinquent obligation to any or all of the credit reporting agencies. You continue to owe the loan regardless of the vehicle's disposition or who happens to possess it. Only if it's repossessed and subsequently sold to recoup the outstanding balance does any thing change. The lender is empowered by your power of attorney to sell the vehicle on your behalf and any amount they obtain for selling the vehicle (less repossession, storage, and sale fees) is applied to the outstanding balance. If it's insufficient to cover the entire balance, you continue to owe the lender as a non-secured debt. If they happen to sell it for more than you owe, they're obligated to refund the difference to you. The one thing you CAN'T do is sell the vehicle. Because of the lien, the title is "encumbered"; and it must become unencumbered before you can (legally) assign ownership to someone else. Indeed, you usually don't even have access to the title until the lien is satisfied. Some people have applied and received (through loopholes) replacement titles, claiming the original was lost or destroyed and falsifying (committing perjury) whether or not any liens (encumbrances) exist, but most eventually get caught and are prosecuted for both perjury and/or theft or fraud once they sell the vehicle. Best of luck. I hope this helps.