FAQ

Frequently Asked Questions

1. Q – What kind of cases do you handle?
A – We intend to handle all such cases, other than listed in the Negative List mentioned here under, where your money has got stuck up, and/or your Bank account/Credit card account has been debited with unexplainable exorbitant charges, and/or money in your bank account has been siphoned out through an online fraud, and/or on account of deficiency in service etc.


2. Q – What is the Negative List which you do not handle?
A – As of now, we do not handle cases of money claims relating to Individuals, Trade Creditors, Builders & Developers, Chit Fund/Finance companies, deposits made with Corporate and claims relating to Insurance Companies.


3. Q – Is there any amount restriction on claim amount which you accept to fight out?
A – Yes, we shall accept cases where the principal amount of Claim is Rs.10,000/ (Rupees
Ten Thousands) and above, and we shall have the discretion on which cases to accept and
which not to accept depending upon merit of the case.


4. Q – How do we get to know whether you shall accept our case?
A – If, as per briefing given to us by you, we feel that there is a fair amount of possibility of recovering your ‘stuck-up money’/refund/compensation for deficiency in service, only then we shall accept the case and shall make an attempt to recover/reach a reasonable
settlement with the other party. Otherwise, if we feel that your case doesn’t have enough
merits and/or there is ambiguity, we shall politely advise you to accept the fate accompli
and move on.


5. Q - Is there any fee payable at the time of registering our case?
A – Yes, a one-time non-refundable Registration Fee of Rs.1,000/- (Rupees One thousand
only) is payable by only those clients whose cases we decide to accept.


6. Q - How can we brief you about our case?
A – Fill up the Query form, give us gist of the case and then we can inform you whether it
has enough merits to pursue your claim. If need be, we shall call you at appointed time/day to get more clarity on your claim before deciding to accept or not to accept your case.


7. Q – Do we have to register first and pay Rs.1,000/- before fixing up an appointment?
A – No. You do not have to deposit any amount while filling up the Query form. After
receiving gist of your case and scrutiny thereof and personal chat, if need be, with you, we
shall take a decision on acceptance of your case. In case we decide to accept your case, you shall then have to register yourself first with us and deposit a one-time non-refundable fee of RS.1,000/-. In case we decide not to accept your case, you do not have to pay us any charges whatsoever.


8. Q - Do you write letters/mail for us?
A - No, we don’t write on your behalf. Rather, we give you a draft mail/letter and you have
to send that through your registered mail ID/under your signatures to the Bank/Company
from where you want to recover your amount.


9. Q – What if the Company doesn’t respond to our mail/Letters?
A – We again give you follow-up draft mail/reminder letter, and keep giving you such draft
reminder letters till the Company respond.


10. Q – Supposing there is no response at all from the Company?
A – In such cases, we recommend that you hand over the case to a competent Legal Counsel for taking up your case at the District/State/National level Consumer Court depending upon the amount involved.


11. Q – Who shall bear the expenses for filing a case in Consumer Court?
A – Customer has to bear all direct and indirect expenses to fight out the case in Consumer Court, including any Court Fee, Advocate Fee, and any expense relating to travel of Advocate to Consumer Court.


12. Q – How do we know who could be the right Legal Counsel and what could be the right fee for approaching/engaging them?
A – We might suggest you some names and may also give you some bench mark on the Fee front too, but ultimately, it shall be your call to select the right Advocate and you shall have to negotiate on the Fee with such Legal Counsel, and such chosen Legal Counsel shall be entirely your baby, but we shall definitely coordinate with them to put forth your case in a way you get rightful justice.


13. Q – Are you out of the follow-up process once case is handed over to Legal Counsel? And/or, do you accompany us anytime to Company/Institution/Bank against which we have a complaint to defend our case.
A – No, we shall continue to maintain liaison with your Legal Counsel and give our valuable
inputs to them on finer issues on which the case needs to be fought. However, we do not
accompany you either to the Company/Institution/Bank or to Consumer Court anytime,
whatsoever, but keep strategising on your behalf, and then guide you/your Legal Counsel as to how to defend your case/point of view, and what kind of settlement should be acceptable to you in case the other party respond.


14. Q – What other charges we have to pay other than one time non-refundable Registration fee of Rs.1,000/- once you decide to accept our case?
A – We charge 10% commission on the principal Claim amount being contested. Out of
which, 50% commission amount has to be paid to us upfront, and balance 50% commission amount shall be payable by you once your claim amount is settled and you get credit of the same in your Bank account.


However, in case your claim gets rejected and we decide not to pursue that any more in a court of law or otherwise, we refund such 50% commission deposited by you upfront with us within 10 working days, along with then ruling SBI Savings Bank deposit interest rate, for the period your deposit remained with us.


15. Q - What else……
A – Depending upon the progress of the case and after getting to know what the other side had said on the subject complaint matter, if we feel that the chances of recovery of claim amount is bleak in the light of facts and arguments given by the other party, we may even advise the client to reach for some reasonable settlement or may be even back out of the case and need not pursue it any more.


16. Q – What are your other expectations from us while you fight out our case?
A – Trust on our capabilities and huge amount of perseverance, as generally such cases go through a long drawn process, are unwarranted time consuming, and you therefore need to bear with all kind of time delay.

 

Testimonials

Usha Murali

Chief Risk Oficer, Airtel Payment Bank

Rajiv Talwar is an effective negotiator, balancing the interests of both parties in the contract. His sincerity, passion, trust worthiness ...

Anuj Kumar

Formerly head of the Structured Credits Group at ING Vysya Bank

Rajiv is a multi-faceted resolution professional, with deep experience of restructurings and recoveries...

Y Sankarshan Rao

Retd Vice President, Kotak Bank (e ING Vysya Bank)

I have had the pleasure of having worked with Mr. Rajiv Talwar for more than a decade. A core banker...

S.K.Nainani

Retd DGM, ICICI Bank

Shri Rajiv Talwar, the promoter of Talwaredge, fully active and full of knowledge, is sincerely guided by the basic instinct of helping persons in need...

R K Bansal

Former Chairman CDR (E G)

I have known Sh Rajiv Talwar for many years. Our relationship started during my CDR days. I have always admired his knowledge, sincerity and dedication...

B V Chaubal

Former DMD of SBI

I first met Shri Rajiv Talwar in 2011 at the meetings of the Empowered Group of CDR mechanism.He was nodal officer for ING Vaisya Bank...

Vijaydeep Khanna

Former Country Head (Emerging Corporate) of erstwhile ING Vyasya Bank

I have known Rajiv for about 5 years and every interaction has been a pleasent learning experience to cherish for lifetime...

MSR Manjunatha

Former Chief Rating Officer - Brickwork Ratings Former Chief Audit Executive - ING Vysya Bank

I have known Mr. Rajiv Talwar for about 2 decades during my role in ING Vysya Bank, when Rajiv was looking into credit risk,...

Mahesh Sanghavi

Former Head Credit Risk - Emerging Corporate with erstwhile ING Vysya Bank

I have known Rajiv over 10 years now. He has come across as one of the most learned person on recovery and stress asset management...

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