DRT  Legal  Solutions

(Debts Recovery Tribunal Legal Solutions) is an India based

Law Firm specializing in DRT, Securitisation, Sarfaesi, IBC, NCLT, Borrowers and Guarantors Solutions in Debts Recovery Tribunals,

Pioneers in Counter-claims and Damage Suits based on Law of Torts and Law of Damages 

Phones (India) - Mobile - +91-9691103689, Off. & Res. +91-731-4049358

E-mail :- ramkishandrt@gmail.com  Web Site :- www.drtsolutions.com

 Weekly Mail - 131 to 140 - DRT Legal Solutions

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DRT Solutions Weekly Mail – 140th Issue dated 14th January ’11

 

All Weekly mails right from 1st Issue to latest, click links above


 

(1) 2nd All India DRT Conference – Video Feedback from the Participants on the spot – thanks for them

 

The Conference was held on 8th and 9th Jan 2011. During Dinner, Lunch and Tea time, video feedback was recorded from the following participants:-

(1) Ahemdabad - UC Desai;

(2) Aasansol - Dr. A.K. Gupta;

(3) Bangalore - V.V. Basavraaj;

(4) Belgaum (Karnataka) - Gopal M;

(5) Chandigarh - Jyoti Sareen;

(6) Indore - Sudhir Bindal;

(7) Indore – Bharat Bindal

(8) Indore - T.R.Radhakrishnan;

(9) Kolkata - Avishek Goenka;

(10) Kolkata – U.C. Jha;

(11) Mumbai - Haresh Gandhi;

(12) Mumbai - Sanjeev Agarwal;

(13) Mumbai - S. K. Jain;131-Latest

(14) Mumbai - Bharat Gandhi;

(15) Mumbai – Sunil Bablani;

(16) Nagpur - Sanjay Jain;

(17) Nagpur  - Mr. Murthy;

(18) Salem (Tamil Nadu) - SK Senthil Kumar;

(19) Sangli (Pune) - Mandar Acharya;

(20) Vijayawada - Sitaram Prasad;

(21) Vardha - Subodh Kant  

They all appreciated the meticulous arrangements, uniform format of the PowerPoint Presentation of all the speakers, content of speeches, question and answer session providing latest knowledge as well as the food, conference material etc.

Most of them desired that such Conference be held more frequently say atleast once in an year.

They were eager to get the DVDs. Some of them even desired to have the DVDs of the last Conference.


 

Our Comments :–

(a)    First of all we thank all the participants who came from various cities of the country particularly in coldest season of the year. In future we shall organize this event in the month of September when it will not be so cold.

(b)    It is not possible to hold this event once in an year because significant development of law takes place in 2 to 3 years time and further lot of efforts are required to organize and hold quality Conference so that it is knowledge packed and not a single minute is wasted. The very fact that few persons came repeated the attendance and every body was enquiring the date of next conference show that the event was appreciated by the participants. Their above mentioned videos are eloquent proof of the same.

(c)    We intend to provide audio, video and transcript of the whole proceedings. Editing and preparation will take some time. As soon as the same is ready, it will be announced in the weekly mail as well as on the web site.

(d)    Our approach has been to match the standards of an International Conference and the person of the highest standard should feel the value of such Conference.

(e)    We request the participants to send their comments through mail.


 

(2) Talk of Mr. Ram Kishan

On account of shortage of time and more time devoted to other speakers as well as the questions and answers, the talk of Mr. Ram Kishan on ‘Counter-claim and Damages could not be delivered. We have decided to prepare the Video Talk and include the same in the DVDs. This talk will be based on the material already given in the Conference material. We also request the participants and the mail recipients to send us the questions on the topic of ‘Counter-claim and Damages’ so that the answers to the said questions will be included in the proposed ‘VideoTalk’


 

(3) Participants to send their Postal Address to dispatch the DVDs and the Transcript

The participants are requested to send us their current postal address to enable us to send the DVDs as well as the transcript as soon as the same is ready. These will be free of costs to the participants.


 

(4) Interesting Story

Mr. Firoze Poonawalla has sent the following interesting story:-

A woman baked chapatti for members of her family and an extra one for a hungry passerby. She kept the extra chapatti on the window sill, for whosoever would take it away.   

Every day, a hunchback came and took away the chapatti. Instead of expressing gratitude, he muttered the following words as he went his way: "The evil you do remains with you: The good you do, comes back to you!" This went on, day after day.  

Every day, the hunchback came, picked up the chapatti and uttered the words: "The evil you do, remains with you: The good you do, comes back to you!"  The woman felt irritated. "Not a word of gratitude," she said to herself... 

"Everyday this hunchback utters this jingle! What does he mean?"  One day, exasperated, she decided to do away with him. "I shall get rid of this hunchback," she said. And what did she do? 
  

She added poison to the chapatti she prepared for him! As she was about to keep it on the window sill, her hands trembled. "What is this I am doing?" she said.    

Immediately, she threw the chapatti into the fire, prepared another one and kept it on the window sill.   

As usual, the hunchback came, picked up the chapatti and muttered the words: "The evil you do, remains with you: The good you do, comes back to you!" The hunchback proceeded on his way, blissfully unaware of the war raging in the mind of the woman. 

Every day, as the woman placed the chapatti on the window sill, she offered a prayer for her son who had gone to a distant place to seek his fortune. For many months, she had no news of him. She prayed for his safe return. 
  

That evening, there was a knock on the door. As she opened it, she was surprised to find her son standing in the doorway.  He had grown thin and lean. His garments were tattered and torn. He was hungry, starved and weak.   

As he saw his mother, he said, "Mom, it's a miracle I'm here. While I was but a mile away, I was so famished that I collapsed. I would have died, but just then an old hunchback passed by. I begged of him for a morsel of food, and he was kind enough to give me a whole chapatti. As he gave it to me, he said, "This is what I eat everyday: today, I shall give it to you, for your need is greater than mine!" "   

As the mother heard those words, her face turned pale. She leaned against the door for support. She remembered the poisoned chapatti that she had made that morning. Had she not burnt it in the fire, it would have been eaten by her own son, and he would have lost his life!   

It was then that she realized the significance of the words: "The evil you do remains with you: The good you do, comes back to you !"  

Do good and Don't ever stop doing good, even if it’s not appreciated at that time.


 

(5) Ranking of ‘weekly mail’ in Yahoo – our web site globally ranked no 1 among 1,160,000,000 results  

 

If you search for ‘weekly mail’ in Yahoo, you will find that our web site is ranked no 1 in the search results of 1,160,000,000. 

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DRT Solutions Weekly Mail – 139th Issue dated 7th January ’11

 

(1) 2nd All India DRT Conference - Final Program is as under:-

 

08.01.11 - Saturday

4 PM to 4:30 PM - Registration

4:15 PM to 4:45 PM - High Tea

5:00 PM to 5:25 PM – Introduction, Speakers & Modality in this Conference by Mr. Ram Kishan

5:30PM to 6:15 PM – Inaugural Address by Mr. Satya Pal Anand, PIL Expert, Indore    

6:30 PM to 7:30 PM - 'Securitisation – Analysis of relevant Judgements, Scheme for Implementation, Solutions to Problems in Trial  - A Talk by Mr. B.K. Dubey, Advocate & Associate DRT Legal Solutions, Indore

7:30 PM to 8:30 PM - 'Importance of Inspection of Bank Documents' A Talk by T.R. Radhakrishnan, Ex-Senior Banker, Associate DRT Legal Solutions, Indore

8:30 PM to 9:00 PM - Answers to Questions on Securitisation Act

9:00 PM to 9:30 PM – Answers to Questions on Bank Documents

 9:30 PM - Dinner 

09.01.11 - Sunday

9 AM to 9:30 AM - Breakfast

9:45 AM to 10:45 AM - 'Counter-claim and Damages’ - A Talk by Ram Kishan

10:45 to 11 AM - Tea will be served inside

11:00 AM to 12:00 PM – ‘Stay Proceedings u/s 17 of Securitisation Act’ – A Talk by Mr. Bharat Gandhi, Advocate, Mumbai

12:00 PM to 12:30 PM - Answers to Questions on Counter-claim & Damages

12:30 PM to 1:00 PM - Answers to Questions on Stay Proceedings

1:00 PM to 2:00 PM - 'Natural Justice & SARFAESI Act' A Talk by Mathews J. Nedumpara, Advocate, Mumbai

2:00 PM to 2:45 PM - Lunch

3:00 PM to 3:30 PM – Answers to Questions on Natural Justice

3:45 PM to 4:45 PM - 'Personal Guarantee – A Void Agreement' - A Talk by N.K. Sharma, ex-GM (Law), Associate, DRT Legal Solutions, Indore

4:45 PM to 5:00 PM – Tea inside

5:00 PM to 5:30 PM – Answers to Questions on Personal Guarantee

5:30 PM – Vote of Thanks & Vande Mataram 

(2) 2nd All India DRT Conference - Objectives

 

This Conference has generated lot of interest in the country particularly among businessmen, industrialists and the litigants facing bank recoveries througn DRTs. Some of the participants are those who attended the last Conference in May 2008. Not only they are coming, they have encouraged others to come for the simple reason that they have been benefited from our work, guidance and advice past several years.  We have been highly focused to limit the participants to the interested group. We had to decline participation to the bankers, students, real estate persons etc whose goals are different. The interactions will help the participants as well as the organizer to prepare for more effective implementation of measures for defence of borrowers and guarantors. While we continue to receive queries and suggestions, still we request for the same so that maximum possible deliberations serve to answer the said queries. Let us hope to improve the management and technology in DRTs with actual implementation so there is a fall out effect on the Judicial System as a whole.

 

(3) Has anyone ever tried this …….? VICKS VAPOR RUB

 

Mr. Firoz Poonawalla has sent the following useful piece:-

During a lecture on Essential Oils, they told us how the foot soles can absorb oils.

Their example:

Put garlic on your feet and within 20 minutes you can 'taste' it.

Some of us have used Vicks Vapo rub for years for everything from chapped lips to sore toes

and many body parts in between.  But...I've never heard of this...

And don't laugh, it works 100% of the time, although the scientists who discovered it aren't sure why.

To stop night time coughing in a child (or adult as we found out personally)...
put Vicks Vapo rub generously on the bottom of the feet at bedtime, then cover with socks.

Even persistent, heavy, deep coughing will stop in about 5 minutes and stay stopped for many, many hours of relief.
Works 100% of the time and is more effective in children than even very strong prescription cough medicines.

In addition it is extremely soothing and comforting and they will sleep soundly.

Just happened to tune in A.M. Radio and picked up this guy talking about why cough medicines in kids often do more harm than good, due to the chemical makeup of these strong drugs so, I listened.
It was a surprise finding and found to be more effective than prescribed medicines for children at bedtime, in addition to have a soothing and calming effect on sick children who then went on to sleep soundly.

My wife tried it on herself when she had a very deep constant and persistent cough a few weeks ago and it worked 100% !!  She said that it felt like a warm blanket had enveloped her, coughing stopped in a few minutes and believe me, this was a deep, (incredibly annoying) every few seconds, uncontrollable cough, and she slept cough-free for
hours every night that she used it.

If you have grandchildren, pass this on.

If you end up sick, try it yourself and you will be absolutely amazed at how it works

DON'T SHUN THIS ONE...TRY IT THE NEXT TIME YOU GET A BAD COLD.

 

Our Weekly Mails and DVDs are DRT Legal Guide and gold mine of practical information for the borrowers and guarantors The mail recipient particularly Borrowers and Guarantors will be immensely benefited by our weekly mails and DVDs, all previous issues of weekly mails from 1st one till the last one may be viewed by clicking the links given at the top. Separate web pages have been created to contain these mails in batches of 10 so that pages open up fast. These mails are gold mine of information on current topics giving lot of practical suggestions and ill comments. Any new recipient to these mails must go through all the weekly mails right from the issue no 1 to the latest. If possible please spread the reference of our web site and the weekly mail among the persons, borrowers and guarantors who are the bank victims. If anyone desires to get these mails regularly, he may write to us for inclusion of his e-mail ID in the regular mailing list. The weekly mail is issued on every Friday morning 9 AM. The particular issue of the weekly mail is first published on the web site and then mailed to borrowers, guarantors and their advocates in the country. We are getting huge no of mails appreciating our weekly mails.  We welcome suggestions.

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DRT Solutions Weekly Mail – 138th Issue dated 31st December ’10


 

(1) 2nd All India DRT Conference – List of Participants – Participants to note their Serial Nos - PowerPoint Presentations and Articles on the Talks – Questions & Ansewers

 

(1)    The following is the list of participants. The list is citywise. If any correction is required, the participants are requested to inform us by mail. Registration of few more persons is under consideration and the final list will be published on 5th January 2011.

(2)    The participants may note their Serial No. This number will be required at the Registration Counter for delivery of Conference Material.

1

Ahemdabad

UC Desai

Ex-Banker

Mail Interactions

2

Aasansol

Dr. A.K. Gupta

Medical Doctor

Visited us, fighting his own case

3

Bangalore

V.V. Basavraaj

Educationist

Visited us for discussions

4

Belgaum (Karnataka)

Mahendra.B.Jain

Businessman

Mail Interactions

5

Belgaum (Karnataka)

Gopal M

Consultant

Mail Interactions

6

Chandigarh

Jyoti Sareen

Advocate

Mail interactions

7

Chennai

P. Rajavelu

Advocate

Referred to by one of our clients

8

Cochin

Nedumpara Mathews

Advocate

Visted us for discussions

9

Dewas

N.K. Sharma

Ex-GM(Law)

Associate 'DRT Legal Solutions’

10

Hyderabad

Ravindra M Agarwal

Industrialist

Attended last Conference

11

Indore

Sudhir Bindal

Businessman

Visted us for discussions

12

Indore

Bharat Bindal

Businessman

Visited us for discussions

13

Indore

B.K. Dubey

Advocate

Associate 'DRT Legal Solutions’

14

Indore

T.R.Radhakrishnan

Ex-Banker

Associate 'DRT Legal Solutions’

15

Indore

Ram Kishan

Consultant

Founder ‘DRT Legal Solutions’

16

Indore

K.C. Maheshwari

Consultant

Associate 'DRT Legal Solutions’

17

Indore

Satya Pal Anand

Veteran PIL Expert

Agreed to file PILs on DRT matters

18

Indore

Dr. N.S. Poonia

Editor 'Lost Justice'

Crusader for Judicial Reforms

19

Jalgaon

Dinesh Kakkad

Industrialist

Visited us for discussions

20

Jalgaon

Ashok Kumar Ranglani

Industrialist

Visited us for discussions

21

Kolkata

Avishek Goenka

Businessman

Visited us for discussions

22

Kolkata

 

Advocate

Visited us for discussions

23

Ludhiana

Rajesh Jain

Industrialist

Interactions since 2003

24

Mirzapur

Bimal Kumar Sureka

FCA

Mail Interactions

25

Mumbai

Haresh Gandhi

Industrialist

Attended last Conference

26

Mumbai

Sanjeev Agarwal

Industrialist

Attended last Conference

27

Mumbai

S. K. Jain

CEO

Visited us for discussions

28

Mumbai

Dilip Upadhyaya

Dy. G.M.(Finance)

Visited us for discussions

29

Mumbai

Bharat Gandhi

Advocate

Visited us for discussions

30

Mumbai

Kirttee Khaitan

Industrialist

Visited us for discussions

31

Salem (Tamil Nadu)

SK Senthil Kumar

Advocate

Mail Interactions

32

Sangli (Pune)

Mandir Acharya

Industrialist

Mail Interactions

33

Vijayawada

Sitaram Prasad

Legal Advisor

Mail Interactons


 

(2) 2nd All India DRT Conference – Highlights of the Program - PowerPoint Presentations and Articles on the Talks – Questions & Ansewers

 

The final program is being chalked out. The highlights are as under:-

(1)                The main objectives are short term and long term solutions to the problems faced by litigant Borrowers and Guarantors in DRTs, ADRTs, Civil Courts, Co-operative Courts, Arbitrators,  High Courts and Suprme Courts.

(2)                While short term solutions are being provided on day-to-day basis, the long term solutions will be tackled with series of PILs on various topics.

(3)                The speakers will cover all the above topics using uniform format for the PowerPoint Presentations. The Articles on the talk will be based on the various slides of the PowerPoint Presentations.

(4)                The Participants are requested to put down their questions on paper slips to be delivered just after conclusion of talks. The Answer session will be just after one hour during which the speakers will sort out the questions, combine the common questions and prepare the answers.

(5)                The entire proceedings will be video recorded. There will be a digital clock on the podium. The time shown will serve as the index. Hence any important point may be noted with reference to the time shown on the clock. This will be useful in searching the location on the DVDs.

(6)                The DVDs will be widely distributed to those who have not attended the conference. The DVDs will have the formats for the DVD Players, MP4 format for the Tablet PCs and audio for the i-pods.

(7)                A summary DVD giving the highlights in 5 minutes will be sent to eminent persons in Judiciary and Bar Association, eminent persons in business, trade and industry.

(8)                Hence the fall out effects of the Conference are wide and all pervading to the society.

(9)                Keeping all the above, the program is being chalked out.


 

(3) 2nd All India DRT Conference – Suggestions, Questions and Querries invited by all those (participants as well as non-participants) who are concerned with the current as well as other problems from the present Judicial System

 

We are developing suitable model for Judicial Reforms using the platform of DRTs. The model will be implemented and shown in working condition in DRTs. Finallly it may serve the purpose for the Judicial Reform in other Courts and Tribunals.

In view of above, we request all concerned whether they are participants or non-participants to spare part of their valuable time to provide us suggestions, questions and queries. We shall try our best to provide solutions during the Conference. The DVDs will contain the proceedings so that the non-participants will find it as useful as attending the Conference.


 

(4) Why walk when you can fly – Soar beyond your fears

 

Mr. Firoz Poonawall has sent the following beautiful piece:-

Once there was a king who received a gift of two magnificent falcons
from Arabia. They were peregrine falcons, the most beautiful birds he
had ever seen. He gave the precious birds to his head falconer to be
trained.

Months passed and one day the head falconer informed the king that
though one of the falcons was flying majestically, soaring high in the
sky, the other bird had not moved from its branch since the day it had
arrived.

The king summoned healers and sorcerers from all the land to tend to
the falcon, but no one could make the bird fly. He presented the task
to the member of his court, but the next day, the king saw through the
palace window that the bird had still not moved from its perch. Having
tried everything else, the king thought to himself, "May be I need
someone more familiar with the countryside to understand the nature of
this problem." So he cried out to his court, "Go and get a farmer."

In the morning, the king was thrilled to see the falcon soaring high
above the palace gardens. He said to his court, "Bring me the doer of
this miracle."

The court quickly located the farmer, who came and stood before the
king. The king asked him, "How did you make the falcon fly?"

With his head bowed, the farmer said to the king, " It was very easy,
your highness. I simply cut the branch where the bird was sitting."

We are all made to fly -- to realize our incredible potential as human
beings. But instead of doing that, we sit on our branches, clinging to
the things that are familiar to us. The possibilities are endless, but
for most of us, they remain undiscovered. We conform to the familiar,
the comfortable, the mundane. So for the most part, our lives are
mediocre instead of exciting, thrilling and fulfilling.

So let us learn to destroy the branch of fear we cling to and
free ourselves to the glory of flight.

 

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DRT Solutions Weekly Mail – 137th Issue dated 24th December ’10


 

(1) 2nd All India DRT Conference – First List of Participants who have registered and are definite to attend the Conference – Unique Opportunity for Interactions with DRT Litigants from various parts of the Country - last date of payment extended to 31st Dec. ’10

 

(a)    We are still receiving lot of queries about the extension of date of payment for participation in the DRT Conference. Hence the date of payment has been further extended to 31st December ’10.

(b)    We have been quite specific about the goals and objectives of this Conference i.e. Defence of Borrowers and Guarantors in DRTs. Accordingly we have declined to several interested persons such as bankers, students, general advocates, real estate persons etc. We just don’t want to have a crowd. It’s an interaction among really interested persons to achieve positive results in a very opposing and hindering environment. Accordingly now we are releasing the first list of participants as under.

(c)    The following persons have registered and made all definite arrangements to attend the Conference. There are few more persons who are expected to attend. As soon as we receive their confirmation and details to attend the Conference, the same will be published in the Conference Update Mails. As may be seen from the list below, the participants are from wide disciplines viz. Industrialists, Businessmen, Advocates, ex-Bankers, FCA, Legal Advisor, Consultants etc. Some of them are from far off places like Belgaum, Kolkata, Salem and Vijaywada etc.  

(d)    If there is any mistake in the following particulars or if the name is missing, the person concerned may please inform the facts by mail to correct our records.

Ahemdabad

UC Desai

Ex-Banker

Mail interactions

Belgaum (Karnataka)

Mahendra.B.Jain

Businessman

Mail interactions

Belgaum (Karnataka)

Gopal M

DRT Consultant

Mail interactions

Dewas

N.K. Sharma

Ex-GM(Law)

Attended last Conference

Hyderabad

Ravindra M Agarwal

Industrialist

Attended last Conference

Indore

Sudhir Bindal

Businessman

Visited us for discussions

Indore

Bharat Bindal

Businessman

Visited us for discussions

Indore

B.K. Dubey

DRT Advocate

Attended last Conference

Indore

T.R.Radhakrishnan

Ex-Banker

Attended last Conference

Indore

Ram Kishan

DRT Consultant

Attended last Conference

Jalgaon

Dinesh Kakkad

Industrialist

Visited us for discussions

Jalgaon

Ashok Kumar Ranglani

Industrialist

Visited us for discussions

Kolkata

Avishek Goenka

Businessman

Visited us for discussions

Kolkata

 

DRT Advocate

Visited us for discussions

Mirzapur

Bimal Kumar Sureka

FCA

Mail interactions

Mumbai

Haresh Gandhi

Industrialist

Attended last Conference

Mumbai

Sanjeev Agarwal

Industrialist

Attended last Conference

Mumbai

S. K. Jain

CEO

Visited us for discussions

Mumbai

Dilip Upadhyaya

Dy. G.M.(Finance)

Visited us for discussions

Mumbai

Bharat Gandhi

DRT Advocate

Visited us for discussions

Salem (Tamil Nadu)

SK Senthil Kumar

DRT Advocate

Mail interactions

Sangli (Pune)

Mandar Acharya

Industrialist

Mail interactions

Vijaywada

Sitaram Prasad

Legal Advisor

Mail interactions


 

(2) Some of the Important Topics, Questions and Queries from the Participants – the same will be dealt with by the Experts in the DRT Conference 

 

We are receiving lot of important Topics, Questions and Queries from the participants to be dealt with by the experts in the Conference. Some of these are as under:-

(a)                Various problems of guarantors including discharge.

(b)                Safeguards in respect of proceedings u/s 14 of the Securitisation Act.

(c)                Specific problems of DRT Litigants in High Courts and Supreme Court.

(d)                Securitiisation and Arbitration under Co-operative Act.

(e)                Filing claim for loss and damaged in the Application u/s 17 of Securitisation Act.

(f)                  DRT proceedings, BIFR jurisdiction, winding up proceedings etc.- impact thereof.

(g)                Impact of simultaneous proceedings under DRT Act and Securitisation Act.

(h)                Legality of Deposit in DRAT in respect of interlocutory orders.

(i)                  Writ Petition relating to transfer of DRTs from Ministry of Finance to Ministry of Law.

(j)                  PIL Writ Petitions relating to DRT matters.

(k)                Execution after DRT Proceedings.

(l)                  Application of Modern Management and Latest Technologies in DRTs

We request the participants and readers of our weekly mail to send us their questions and queries so that the same are covered by the experts in the Conference. Suggestions are also invited.

(3) Holy Alphabet 

 

Mr. Firoz Poonawalla has sent the following beautiful piece:-

Although things are not perfect 
B
ecause of trial or pain 
C
ontinue in thanksgiving 
D
o not begin to blame 
E
ven when the times are hard 
F
ierce winds are bound to blow 
G
od is forever able 
H
old on to what you know 
I
magine life without His love 
J
 oy would cease to be 
K
eep thanking Him for all the things 
L
ove imparts to thee 
M
ove out of "Camp Complaining" 
N
o weapon that is known 
O
n earth can yield the power 
P
raise can do alone 
Q
uit looking at the future 
R
edeem the time at hand 
S
tart every day with worship 
T
o "thank" is a command 
U
ntil we see Him coming 
V
ictorious in the sky 
W
e'll run the race with gratitude 
X
 alting God most high 
Y
 es, there'll be good times and yes some will be bad, but.... 
Z
 ion waits in glory...where none are ever sad! 

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DRT Solutions Weekly Mail – 136th Issue dated 17th December ’10


 

(1) 2nd All India DRT Conference – Program – Most Useful Deliberations on Current DRT Topics 

 

(1) The tentative program of the Conference is as under. The speakers will deal with most current topics from the angle of practical utility for defence of borrowers and guarantors. It is an unique opportunity for the litigants and advocates to acquire immense valuable knowledge in a short period of one and half day.

(2) Questions and suggestions are invited from one and all so that the same are covered in the Conference.

(3) Those who have remitted the registration fee are requested to convey their mobile no and postal address again to update our records.

08.01.11 - Saturday

4 PM to 4:30 PM - Registration

4:15 PM to 4:45 PM - High Tea

5:00 PM to 5:10 PM - Welcome by Mr. T.R. Radhakrishnan. Ex-Senior Banker, Associate DRT Legal Solutions, Indore

5:15 PM to 6:15 PM - 'Major Problems in Defence in Securitisation Act' - A Talk by Mr. B.K. Dubey, Advocate & Associate DRT Legal Solutions, Indore

6:15 PM to 6:45 PM - Questions and Answers on Securitisation Act

7:00 PM to 8:00 PM - 'Importance of Production & Inspection of Bank Documents' A Talk by T.R. Radhakrishnan, Ex-Senior Banker, Associate DRT Legal Solutions, Indore

8:00 PM to 8:30 PM - Questions and Answers on Bank Documents

8:30 PM to 9:30 PM - Dinner

 

09.01.11 - Sunday

9 AM to 9:30 AM - Breakfast

9:45 AM to 10:45 AM - 'Counter-claim and Damages in DRT Defence' - A Talk by Ram Kishan

11:00 AM to 11:15 AM - Tea

11:00 AM to 11:30 AM - Questions and Answers on Counter-claim and Damages

11:30 AM to 12:30 PM - 'Secured Creditor Can Not Take Measures u/s 13(4) of Securitisation Act Against Guarantor' - A Talk by N.K. Sharma, ex-GM (Law), Associate, DRT Legal Solutions, Indore

12:30 PM to 1:00 PM - Questions and Answers on Securitisation Act & Guarantors

1:00 PM to 2:00 PM - Lunch

2:15 PM to 3:15 PM - 'Transcore and Natural Justice' A Talk by Mathews J. Nedumpara, Advocate, Mumbai

3:15 PM to 3:45 PM - Questions and Answers on Natural Justice

3:45 PM to 4:00 PM - Tea

4:00 PM to 5:00 PM - 'Public Interest Litigations' - A Talk by Satya Pal Anand, Famous PIL Expert, Indore

5:00 PM to 5:30 PM - Questions and Answers on PIL

5:30 PM - Presentation of Mementos, Vote of Thanks & Vande Mataram

 

(2) 2nd All India DRT Conference – Certain Queries and Answers 

 

(1)    The Registration Fee does not include the Accomodation Expenses. The participants have to make their own arrangements for their one night stay on 08.10.11.

(2)    We  have drawn up the program in such a manner so that one can arrive comfortably in the morning of 08.01.11 i.e. Saturday, fix up his night stay and arrive at the venue i.e. Sayaji Hotels, Topaz Hall at 4 PM for Registration and High Tea. The Program will commence by 5 PM. The dinner will be at 8:30 PM.

(3)    The program on next day i.e. 09.01.11 will commence at 9 AM with breakfast, tea at 11 AM, Lunch at 1 PM and tea at 3:45 PM. The DRT Topics willl be over by 3:45 PM.

(4)    Those who desire to meet Mr. Ram Kishan may stay back and meet him on Monday i.e. 10.01.11 just after 11 AM. Prior appointment may be fixed on his mobile phone no 09691103689.

(5)    We are overwhelmed by the response from our clients and their advocates. Many of them had attended Chennai Conference in 2007, Indore Conference in 2008 apart from meeting us in between. Despite such interactions, they have been keen to attend the ensuing Conference on 8th and 9th January 2011. The repeat value of interest shows and confirms the value of such conferences exclusively in the field of DRT Defence.

(6)    Oue goal is to improve and modernize the Judical Function in DRTs so that such improvements provide a workable model for the Judiciary as a whole. Hence we request all our clients and their advocates to involve themselves fully, convey us their problems and suggestions on constant and continuous basis keeping their own interests as well as the interests of the society as a whole.

 

(3)   Things You Didn't Know About Coconuts

 

Mr. Himanshu Mehta, one of our clients from Mumbai has sent the following useful information:-

 

Did You Know...

That coconuts are one of the wonder foods on earth that amply provides for all human needs? They can even save your life!
Few people (even fewer doctors) understand how important the coconut is to stabilizing blood sugar; lowering cholesterol; healing; hydration; and even replacing blood plasma in an emergency.

Referred to as kalpa vriksha (Sanskrit for "the tree that supplies all that is needed to live") in ancient India, the coconut palm has been recognized as a top immune booster, antifungal,antibiotic, antiviral and antibacterial remedy for thousands of years all over the world. Yet, it has only been recently that modern researchers have begun to fully discover the massive health benefits this amazing fruit seed offers.
To give just one example of coconuts' live-saving properties, they were used extensively in the Pacific during World War II. Since blood plasma supplies were scarce, it was very common for medics to siphon pure coconut water from young coconuts to be used as emergency plasma transfusions for soldiers who were injured. Since coconut water is nearly identical to human blood, it was suitable for people of all blood types.
Because of its strong antioxidant properties, the coconut can be used to:
==> Lower cholesterol
==> Improve digestion
==> Ward off wrinkles
==> Stabilize glucose levels
==> Fight off viruses
==> Build cells
==> Regulate hormones
==> Increase thyroid production
==> Lose weight
==> Increase metabolism
==> Fight infections
==> Stave off memory loss
==> Kill bacteria
==> And more!

Considered one of the most treasured foods of all time, coconut products -- including coconut flesh, coconut water, coconut oil, and coconut cream -- each deliver superb health benefits.
Coconut oil, for instance, is considered the best and safest oil to use for cooking -- even superior to extra virgin olive oil when it comes to giving the body what it needs for optimum health. Unlike other fats and oils that we typically use for cooking and baking, coconut oil does not form polymerized oils or dangerous Trans fatty acids in our bodies, which can raise our cholesterol levels; clog our arteries and even make our skin sag and wrinkle. Plus, this ultra-safe oil can give your body important antioxidants that can help build stronger cells and improve your overall health and well being.
Here are a few ways that you can use coconut products to stave off disease and to recapture the look and feeling of youth:
Coconut Water - The coconut is a natural water filter. It takes almost 9 months for a coconut to filter every quart of water stored within its shell. This makes the resulting coconut water completely pure and sterile, which is one reason why it can be used for blood transfusions.
Another benefit of coconut water is the fact that it has the highest concentration of electrolytes than anything else found in nature. This makes it an excellent source of hydration.

Coconut Oil - In addition to being superior for cooking and baking, coconut oil also makes a superb topical oil that can help to naturally rid the skin of dangerous toxins. It also gives the skin the perfect mix of hydration and antioxidants that it needs to stay healthy, smooth and younger-looking longer.
Another great benefit of coconut oil is in protecting your teeth from the bacteria that can cause cavities and disease. Simply rubbing a little fresh coconut oil on your gums and teeth can keep them stronger and healthier than virtually any other dental treatment.
Most people don't realize that coconut oil can actually help you lose weight! Yes, simply changing your cooking oil from the unsaturated fat variety to coconut oil can help you lose those extra pounds. Here's why: Unsaturated fats found in canola, corn and other vegetables oils, as well as margarine suppress the metabolism, which makes it harder to lose weight -- and easier to gain it. Over time, this metabolism suppression may result in 20-30 pounds of excess weight that your body cannot get rid of. Coconut oil, on the other hand, helps to increase thyroid function and boost your metabolism -- 2 important components to shedding unwanted pounds.
Coconut Cream - The best skin treatment product one can use to achieve flawless skin may quite possibly be coconut cream. Unlike traditional skin creams which can actually introduce fats and oils to the skin that will break it down over time, making it look older, creams derived from the coconut can actually replenish the skin, giving it a more youthful and healthy glow than most other skin care products on the market.
When it comes to buying coconut products, coconuts are not all created equal. Wild coconuts are always best, but can be hard to obtain if you don't live in a tropical country. Whether you are using this wonder food to boost your immune system; increase your metabolism or fight wrinkles, using products from young coconuts will help you reap the most benefit.

Young coconuts contain the purest unsaturated fat, compared to the fat found in the more mature varieties. This is why they offer the most rejuvenation properties for the body's tissues. But how can you tell how old a coconut is? Young coconuts are usually green in color and oddly shaped. The brown hairy ones are mature coconuts, and while they offer a lot of healthy benefits, they aren't nearly as good for you as younger varieties.
The best place to find young fresh coconuts is, of course, in the markets of the tropics, so be sure to seek them out if you travel to those areas. Coconut-producing regions export coconuts all over the world, however, so it's relatively easy to find coconuts at your local health food store or Asian grocer.
YOUR SMILE IS YOUR BEST FRIEND ....MAKE IT SOME ONE ELSE'S TOO
BE HAPPY, IT'S ONE WAY OF BEING WISE.

(4) Our Weekly Mails in form of a Printed Book:-

As informed we have received huge demand for a printed version of our weekly mails. Hence it has been decided to bring about a book with comprehensive commentary, good index along with a CD for easy search. We have started receiving enquiry and suggestions from the readers of our weekly mails as well as from the visitors of our web site.

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DRT Solutions Weekly Mail – 135th Issue dated 10th December ’10


 

(1) PIL on IPC 498A - prepared and filed in one day – Spirit of Mr. Satya Pal Anand 

 

The following incidence shows the indomitable spirit of Mr. Satya Pal Anand, well known  PIL Crusader, 80 years young:-

(1)                On 07.12.10 at 11 AM I visited Mr. Satya Pal Anand. He showed me the Supreme Court judgement reported as (2010) 7 SCC  667 Preeti Gupta vs  State of Jharkhand. He said he has decided to file a PIL in Supreme Court as several innocent persons have been harassed by wicked ladies misusing the provisions of law contained in 498 A of IPC.

(2)                He desired my help to e-file the said PIL. I told him that the PIL must be first typed on Computer. He sat down on Computer and with my guidance, he typed the entire PIL by 6 PM.

(3)                He accompanied me to my residence to e-file the same. After necessary formalities i.e. printing, scanning the pages having his signature, creating his ID in the e-filing system of Supreme Court, converting the documents in PDF form etc, the said PIL was e-filed by 9:30 PM. The court fee expenditure was only Rs. 120=00 paid through credit card compared with substantial  expendure involved in visiting Delhi and spending 2 days of travel. He was so happy that he narrated his experience in a Video Interview recorded on the same day.

(4)                He saw and experienced the following advantages of modern technology:-

(a)    corrections on manual typewriter are difficult, shabby and time consuming

(b)    Presentation on electronic form is neat, clean and fast. The data storage is much convenient. The data transportation is extremely fast and cheap.

(c)    E-filing is quick and cheap and is available 24 X 7 without any physical movement.

(d)    The time thus saved can be spent for other useful activities.

(5)                We are trying our best to train him in use of modern management and technology to send a message that it is much better option than just to increase the number of judges and when Mr. Anand at his age of  80 years can do it, why other Advocates and Judges can also not do it. When they are using latest Mobile, latest TV, latest Cars etc., why they should continue with bullock cart age technology of paper and oral presentation in Court Rooms.

 

(2) 2nd All India DRT Conference on 8th and 9th January 2011 

 

The preparations for the said Conference are in full swing and the latest status is as under:-

(1)    Several persons have approached us to attend the Conference and hence we have decided to extend the last date for Registration as 20th December ’10. Those desirous of attending should take our permission through e-mail before remitting their registration fees.

(2)    Several eminent persons have approached us to deliver the talk. We reiterate that our focus area is ‘Defence of Borrowers and Guarantors in DRTs’ The talk should be useful with practical angle to the litigants.

(3)    The person desirous to deliver their talks may discuss the matter over phone with us.

(4)    We have already planned the following talks:-

(a)    Practical Defence in Securitisation Act

(b)    Counter-claim and Damages in Bank litigations

(c)    Bank Documents which are needed for production and Inspection

(d)    Modern Management and Technology in Indian Judiciary.

(e)    Mr. Satya Pal Anand on PIL

(f)      Questions and Answers on all above topics. 

(5)    Pl inform your questions which you desire to be covered in this Conference.

(6)    Separate Mails will follow on the DRT Conference.

 

(3) Why our Children should be trained to work with their Own Hands  

 

Mr. Bhuwan Bihari Mohanty has sent the following touching and useful story:-

This is a powerful message in our modern society. We seemed to have lost our bearing & our sense of direction.

 

 

One young academically excellent person went to apply for a managerial position in a big company.

 

He passed the first interview, the director did the last interview, made the last decision.

 

The director discovered from the CV that the youth's academic achievements were excellent all the way, from the secondary school until the postgraduate research, never had a year when he did not score.

 

The director asked, "Did you obtain any scholarships in school?" the youth answered "none".

 

The director asked, " Was it your father who paid for your school fees?" The youth answered, "My father passed away when I was one year old, it was my mother who paid for my school fees.

 

The director asked, " Where did your mother work?" The youth answered, "My mother worked as clothes cleaner. The director requested the youth to show his hands. The youth showed a pair of hands that were smooth and perfect.

 

The director asked, " Have you ever helped your mother wash the clothes before?" The youth answered, "Never, my mother always wanted me to study and read more books. Furthermore, my mother can wash clothes faster than me.

 

The director said, "I have a request. When you go back today, go and clean your mother's hands, and then see me tomorrow morning.*

 

The youth felt that his chance of landing the job was high. When he went back, he happily requested his mother to let him clean her hands.

His mother felt strange, happy but with mixed feelings, she showed her hands to the kid.

 

The youth cleaned his mother's hands slowly. His tear fell as he did that. It was the first time he noticed that his mother's hands were so wrinkled, and there were so many bruises in her hands. Some bruises were so painful that his mother shivered when they were cleaned with water.

 

This was the first time the youth realized that it was this pair of hands that washed the clothes everyday to enable him to pay the school fee. The bruises in the mother's hands were the price that the mother had to pay for his graduation, academic excellence and his future.

 

After finishing the cleaning of his mother hands, the youth quietly washed all the remaining clothes for his mother.

 

That night, mother and son talked for a very long time.

 

Next morning, the youth went to the director's office.

 

The Director noticed the tears in the youth's eyes, asked: " Can you tell me what have you done and learned yesterday in your house?"

 

The youth answered, " I cleaned my mother's hand, and also finished cleaning all the remaining clothes'

 

The Director asked, " please tell me your feelings."

 

The youth said, Number 1, I know now what is appreciation. Without my mother, there would not have been the successful me today. Number 2, by working together and helping my mother, only I now realize how difficult and tough it is to get something done. Number 3, I have come to appreciate the importance and value of family relationship.

 

The director said, " This is what I am looking for to be my manager.

I want to recruit a person who can appreciate the help of others, a person who knows the sufferings of others to get things done, and a person who would not put money as his only goal in life. You are hired.

 

Later on, this young person worked very hard, and received the respect of his subordinates. Every employee worked diligently and as a team.

The company's performance improved tremendously.

 

A child, who has been protected and habitually given whatever he wanted, would develop "entitlement mentality" and would always put himself first. He would be ignorant of his parent's efforts. When he starts work, he assumes that every person must listen to him, and when he becomes a manager, he would never know the sufferings of his employees and would always blame others. For this kind of people, who may be good academically, may be successful for a while, but eventually would not feel sense of achievement. He will grumble and be full of hatred and fight for more. If we are this kind of protective parents, are we really showing love or are we destroying the kid

instead?*

 

You can let your kid live in a big house, eat a good meal, learn piano, watch a big screen TV. But when you are cutting grass, please let them experience it. After a meal, let them wash their plates and bowls together with their brothers and sisters. It is not because you do not have money to hire a maid, but it is because you want to love them in a right way. You want them to understand, no matter how rich their parents are, one day their hair will grow gray, same as the mother of that young person. The most important thing is your kid learns how to appreciate the effort and experience the difficulty and learns the ability to work with others to get things done.

 

(4) Our Weekly Mails in form of a Printed Book:-

As informed we have received huge demand for a printed version of our weekly mails. Hence it has been decided to bring about a book with comprehensive commentary, good index along with a CD for easy search. We have started receiving enquiry and suggestions from the readers of our weekly mails as well as from the visitors of our web site.

 

Our Weekly Mails and DVDs are DRT Legal Guide and gold mine of practical information for the borrowers and guarantors - The mail recipient particularly Borrowers and Guarantors will be immensely benefited by our weekly mails and DVDs, all previous issues of weekly mails from 1st one till the last one may be viewed by clicking the links given at the top. Separate web pages have been created to contain these mails in batches of 10 so that pages open up fast. These mails are gold mine of information on current topics giving lot of practical suggestions and ill comments. Any new recipient to these mails must go through all the weekly mails right from the issue no 1 to the latest. If possible please spread the reference of our web site and the weekly mail among the persons, borrowers and guarantors who are the bank victims. If anyone desires to get these mails regularly, he may write to us for inclusion of his e-mail ID in the regular mailing list. The weekly mail is issued on every Friday morning 9 AM. The particular issue of the weekly mail is first published on the web site and then mailed to borrowers, guarantors and their advocates in the country. We are getting huge no of mails appreciating our weekly mails.  We welcome suggestions.


 

DRT Solutions Weekly Mail – 134th Issue dated 2nd December ’10

 

 
(1) DRAT Mumbai Verdict imposing Deposit with Appeal against DRT Orders relating to Interim Applications needs to be challenged as PIL in Supreme Court 

 

One of our clients from Nagpur has sent us copy of order dated 29.10.10 of DRAT Mumbai in the matter of Vinay Containers (P) Ltd vs Axis Bank holding pre-deposit of 25% even in respect of Interlocutory Applications. Our observations are as under:-

(a)    We are not aware whether Vinay Containers (P) Ltd has resorted to Review and Appeal against the said order.

(b)    If any Review and Appeal has been filed, we are not aware about the proceedings.

(c)    Such order of DRAT Mumbai will affect all the litigant borrowers till there is any favourable verdict of higher courts.

(d)    Our view is that on one hand, the suffering litigants have no option but to fight against such orders, since it will affect others also not today but tomorrow; it will be advisable to fight  a such orders by way of PIL on a combined front. We request all our clients in Mumbai, Nagpur and Pune to come together on a joint platform and file a PIL in Bombay High Court and if needed in the Supreme Court. Those who are interested in such joint action, may talk to us on phone.

(e)    We have discussed the matter with Mr. Satya Pal Anand of Indore who specializes in PILs and filed and contested thousands of PILs past 4 decades. He is prepared to undertake the above matter.

 

We have separately informed our clients in Mumbai, Pune and Nagpur vide copy of the mail reproduced below:-

 

Dear Sir,

The following extract is being published in tomorrow's weekly Mail. This copy is being sent to all our clients in Mumbai, Nagpur and Pune. I feel that Mr. Haresh Gandhi, Mumbai (M-09322641912) should take the lead in organizing the joint front.

If it is decided to file the PIL through Mr. Satya Pal Anand, we shall organize the same from Indore.

With best wishes,

Ram Kishan

 

(2) Writ can not be filed against the Private Banks like ‘ICICI Bank’ – Hence such banks can not raise the bogey of ‘Public Funds’ 

 

Mr. N.K. Sharma, our associate and ex-GM (Law) has informed the following news item which is self explanatory

 

http://legalperspectives.blogspot.com/2010/11/no-writ-to-return-vehicle-recovered-by.html

 

15 NOV 2010

No writ to return vehicle recovered by Bank: High Court

That the scope of writ petitions is limited largely against the State is a proposition well founded in the jurisprudence which has developed under the Constitutional precincts. In this respect the Constitutional Courts of India have consistently declared that writ petitions would not be issued against private parties where such parties are not performing state/statutory functions. In this line we came across this decision wherein a High Court refused to issue writ against a private bank wherein the allegation was of illegal recovery of vehicle by the bank against the borrower. While the Court declared that there may be a right, the remedy availed was inappropriate.

 

The Calcutta High Court in a recently reported decision [Rabindra Kumar Singh v. State of West Bengal, AIR 2010 NOC 949] clarified the law in this respect by passing the following judgment;

 

ICICI Bank Limited, the fifth respondent in the pending art.226 petition dated March 5, 2008, has filed this application for dismissal of the petition on the ground that it is not maintainable. It is submitted that the application has been served. Affidavit of service has been filed. None appears to oppose the application. 

 

The principal reliefs seeking which the petition has been filed are these: "(a) A writ in the nature of Mandamus commanding and directing the respondents and their men, agents and/or associates, specially upon the respondent no.4 to take immediate steps in terms of illegal dispossession of the vehicle of the petitioner from his rightful possession. (b) A writ in the nature of Mandamus directing the respondent No.5 to take the part-payment of the due installments from your petitioner in respect of the above mentioned  vehicle. (c) A writ in the nature of Mandamus directing the respondent No.5 to release the Jute as early as possible which is in his custody till now."

 

The petitioner purchased a truck financed by ICICI Bank. Alleging that he failed and neglected to pay the loan according to the terms and conditions of the agreement between the parties, and that the contract entitled it to repossess the vehicle, ICICI Bank took possession of the vehicle on February 10, 2008 under an inventory of that same day, Annexure P2 at p.20. By a letter of that same day, Annexure P4 at p.22, it informed the petitioner that his failure to pay the amount mentioned therein would compel it to dispose of the vehicle.

 

On February 12, 2008 the petitioner sent by post a letter of that same day, Annexure P3 at p.21, to the officer in charge of Itahar police station in Uttar Dinajpur alleging that on February 10, 2008 certain unknown persons forcibly took possession of the vehicle. He then gave a reply dated February 26, 2008, Annexure P5 at p.23, to the bank's letter dated February 10, 2008 through his advocate offering to pay the loan. Then seeking the above-noted reliefs he brought this petition.

 

ICICI Bank is not a state within the meaning of art.12 of the constitution and no public law element was involved in the action it took for repossession of the vehicle. It repossessed the vehicle in exercise of its pure private law contractual right flowing from the contract between the parties. On the basis of the letter dated February 12, 2008 the police could not recover the vehicle from it and restore possession thereof to the petitioner. In exercise of power under art.226 this court cannot direct the bank to accept any amount from the petitioner and return the vehicle and goods. 

 

I am, therefore, of the view that the bank is right in contending that the petition is not maintainable. The petitioner's remedy, if any, was before the appropriate civil and criminal courts. 

 

For these reasons, I allow the application and dismiss the art.226 petition.

 

(3) How Technology helps us during Regular work as well as Journey and Trip outside Indore – A Personal Experience 

 

We can improve our efficiency, effectiveness and quality of life by using the Technology coupled with Management Technics as illustrated by our own personal experience described below:-

 

(1)    The objective and purpose of Technology is to use it to improve our quality of life by being more efficient and effective. Most of our clients are outside Indore. We are constantly in touch with them through Mobile, SMS and e-mail.

(2)    Our Associates operate from their SOHO (Small Office Home Office) and use the same means of Mobile, SMS and e-mail.

(3)    We work on flexi-time, 24 X 7 with total freedom on time management.

(4)    We wish some day complete court proceedings will be video recorded and such videos will be sent to us for our analysis and comments.

(5)    Keeping in view we use latest hardware and software so that we can make useful contribution in ‘Judicial Process’ applicable to ‘Defence of Borrowers and Guarantors’

(6)    For the first time in the country in July 2007, we used ‘Video Arguments’ before the District Judge Indore.

(7)    For the first time in MP, recently we e-filed a PIL in Supreme Court wherein we have requested the SC to permit ‘Video Recording’ of court room proceedings.

(8)    Last week just before arriving at Haridwar, one of our clients from Delhi having a case in DRT Luknow requested us to prepare a Review Petition and Appeal against the DRT Order. The job was to be completed within 4 days. First Review was to be filed in DRT Lucknow and then Appeal was to be filed in DRAT Allahabad.

(9)    The drafting of above pleadings were assigned to one of our Associates at Dewas.

(10) The activities were spread over Delhi, Haridwar, Dewas, Luknow and Allahabad within a limited time of 4 days. The job was successfully done.

(11) During this period we shot videos in Haridwar Shati Kunj, Har Ki Paudi and Patanjali Yog Peeth. The said videos were screened on a portable projector in Sagar to the old persons who could not visit Haridwar.

(12) We have been emphasizing our client to become conversant with the audio and video technology, use the same in day to day life so that it can be easily used in the court rooms. This is the next stage beyond existing technology of paper, pen and oral delivery which has to be upgraded to achieve the objective of Justice as has been done in developed countries past 30 years.

 

(4) Indian Spices for All Diseases – Keep it Handy 

 

Mr Himanshu Mehta, one of our clients from Mumbai has sent the following piece which may be quite useful in our life

 

INDIAN SPICES FOR ALL DISEASES

KEEP IT HANDY

COLDS
Mix a gram of dalchini/cinnamon powder with a teaspoon of honey to** cure cold. Prepare a cup of tea to which you should add ginger, clove, bay leaf and black pepper... This should be consumed twice a day.. Reduce the intake as the cold disappears.* **

GINGER FOR COLDS
Ginger tea is very good to cure cold. Preparation of tea: cut ginger into small pieces and boil it with water, boil it a few times and then add sugar to sweeten and milk to taste, and drink it hot.

DRY COUGHS
Add a gram of turmeric (haldi) powder to a teaspoon of honey for curing dry cough. Also chew a cardamom for a long time.

BLOCKED NOSE
For blocked nose or to relieve congestion, take a table spoon of crushed carom seeds (ajwain) and tie it in a cloth and inhale it.

SORE THROAT
Add a tea spoon of cumin seeds (jeera) and a few small pieces of dry ginger to a glass of boiling water. Simmer it for a few minutes, and then let it cool. Drink it twice daily. This will cure cold as well as sour throat.

AJWAIN/AJMO FOR ASTHMA*
*Boil ajwain in water and inhale the steam.

CURE FOR BACKACHE
Rub ginger paste on the backache to get relief.

GARLIC FOR HIGH BLOOD PRESSURE**
Have 1-2 pod garlic (lasan) first thing in the morning with water *

HONEY AND GINGER FOR HIGH BLOOD PRESSURE
Mix 1 table spoon and 1 table spoon ginger (adrak) juice, *1 table spoon of crushed cumin seeds (jeera), and have it twice daily.

MIGRAINE
For the cure of migraine or acute cold in the head; boil a tablespoon of pepper powder, and a pinch of turmeric in a cup of milk, and have it daily for a few couple of days.

BITTER GOURD/KARELA IS GOOD
A tablespoon of amla juice mixed with a cup of fresh bitter gourd (karela) juice and taken daily for 2 months reduces blood sugar.

TURMERIC: CURE FOR INJURIES
For any cut or wound, apply turmeric powder to the injured portion to stop the bleeding. It also works as an antiseptic. You can tie a bandage after applying haldi/turmeric.

CRAMPS
You must do a self-massage using mustard oil every morning. Just take a little oil between your palms and rub it all over your body. Then take a shower. This is especially beneficial during winter. You could also mix a little mustard powder with water to make a paste and apply this on your palms and soles of your feet.

HEADACHES
If you have a regular migraine problem, include five almonds along with hot milk in your daily diet. You could also have a gram of black pepper along with honey or milk, twice or thrice a day. Make an almond paste by rubbing wet almonds against a stone. This can be applied to forehead.

Eat an apple with a little salt on an empty stomach everyday and see its wonderful effects. OR when headache is caused by cold winds, cinnamon works best in curing headache. Make a paste of cinnamon by mixing in water and apply it all over your forehead *

TURMERIC FOR ARTHRITIS
Turmeric can be used in treating arthritis due to its anti-inflammatory property. Turmeric can be taken as a drink other than adding to dishes to help prevent all problems. Use one teaspoon of turmeric powder per cup of warm milk every day. It is also used as a paste for local action.

GOOD FOR THE HEART
Turmeric lower cholesterol and by preventing the formation of the internal blood clots improves circulation and prevents heart disease and stroke. Turmeric can be taken as a drink other than adding to dishes to help preventall problems.. Use one teaspoon of turmeric powder per cup of warm milk every day. It is also used as a paste for local action.

GOOD FOR INDIGESTION *
Turmeric can be used to relieve digestive problems like ulcers, dysentery. Turmeric can be taken as a drink other than adding to dishes to help prevent all problems. Use one teaspoon of turmeric powder per cup of warm milk every day. It is also used as a paste for local action.

HONEY IS A GOOD CURE FOR ALL DISEASES
Mix 1 teaspoon honey with a teaspoon of cinnamon powder and have it at night.

HICCUPS
Take a warm slice of lemon and sprinkle salt, sugar and black pepper on it. The lemon should be eaten until the hiccups stop. *

HIGH BLOOD CHOLESTEROL
In 1 glass of water, add 2 tbsps of coriander/dhania seeds and bring to a boil. Let the decoction cool for some time and then strain. Drink this mixture two times in a day. **OR Sunflower seeds are extremely beneficial, as they contain linoleic acid that helps in reducing the cholesterol deposits on the walls of arteries.*

PILES
Radish juice should be taken twice a day, once in the morning and then later in the night. Initially drink about ? cup of radish juice and then gradually increase it to ? cup.. OR Soak 3-4 figs in a glass of water. Keep it overnight. Consume the figs on an empty stomach, the next day in the morning

VOMITING
Take 2 cardamoms/elachi and roast them on a dry pan (tava). Powder the cardamoms and thereafter add a tsp of honey in it. Consume it frequently. It serves as a fabulous home remedy for vomiting. OR In the mixture of 1 tsp of mint juice and 1 tsp limejuice, add 1 tsp of ginger juice and 1 tsp honey. Drink this mixture to prevent vomiting. *

*OR Limejuice is an effective remedy for vomiting. Take a glass of chilled limejuice and sip slowly. To prevent vomiting, drink ginger tea. OR In 1 glass water, add some honey and drink sip by sip. *

WARTS
Apply castor oil daily over the problematic area. Continue for several months. OR Apply milky juice of fresh and barely-ripe figs a number of times a day. Continue for two weeks. OR Rub cut raw potatoes on the affected area several times daily. Continue for at least two weeks. *

*OR Rub cut onions on the warts to stimulate the circulation of blood. OR Apply milk from the cut end of dandelion over the warts 2-3 times a day. OR Apply oil extracted from the shell of the cashew nut over the warts. OR Apply Papaya juice OR Apply Pineapple juice.*

URINARY TRACT INFECTION
Drink Cranberry juice. You can also add some apple juice for taste.

SINUSITIS
Mango serves as an effective home remedy for preventing the frequent attacks of sinus, as it is packed with loads of vitamin A. OR Another beneficial remedy consists of consuming pungent foods like onion and garlic, as a part of your daily meals. OR Fenugreek/methi leaves are considered valuable in curing sinusitis. In 250 ml water, boil 1 tsp of Fenugreek seeds and reduce it to half. This will help you to perspire, dispel toxicity and reduce the fever period. OR Tie a tsp of black cumin seeds in a thin cotton cloth and inhale.*

TONSILLITIS
Take a fresh lemon and squeeze it in a glass of water. Add 4 tsp of honey and ? tsp of salt in it. Drink it slowly sip by sip. OR Milk has proved beneficial in treating tonsillitis. In 1 glass of pure boiled milk, add a pinch of turmeric powder and pepper powder. Drink it every night for about 3 days. *

 

(5) Our Weekly Mails in form of a Printed Book:-

As informed we have received huge demand for a printed version of our weekly mails. Hence it has been decided to bring about a book with comprehensive commentary, good index along with a CD for easy search. We have started receiving enquiry and suggestions from the readers of our weekly mails as well as from the visitors of our web site.

 

Our Weekly Mails and DVDs are DRT Legal Guide and gold mine of practical information for the borrowers and guarantors - The mail recipient particularly Borrowers and Guarantors will be immensely benefited by our weekly mails and DVDs, all previous issues of weekly mails from 1st one till the last one may be viewed by clicking the links given at the top. Separate web pages have been created to contain these mails in batches of 10 so that pages open up fast. These mails are gold mine of information on current topics giving lot of practical suggestions and ill comments. Any new recipient to these mails must go through all the weekly mails right from the issue no 1 to the latest. If possible please spread the reference of our web site and the weekly mail among the persons, borrowers and guarantors who are the bank victims. If anyone desires to get these mails regularly, he may write to us for inclusion of his e-mail ID in the regular mailing list. The weekly mail is issued on every Friday morning 9 AM. The particular issue of the weekly mail is first published on the web site and then mailed to borrowers, guarantors and their advocates in the country. We are getting huge no of mails appreciating our weekly mails.  We welcome suggestions.

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DRT Solutions Weekly Mail – 133rd Issue dated 25th  November ’10 – Camp Haridwar & Sagar

 

 
(1) Another Important Reason for Video Recording of Court Room Proceedings 

 

Mr. N.K. Sharma, our associate and ex-GM (Law) continued interactions in his professional circle on the matter of ‘Video Recording of Court Room Proceedings’. Following extract from his said interactions highlights another important reason for video recording of court room proceedings is given below and is self explanatory:-

Forwarded Message ----

From: Corporate & Legal Professionals of India <groups-noreply@linkedin.com>

To: Narendra Sharma <nkdewas@yahoo.co.in>

Sent: Sat, 20 November, 2010 7:47:15 PM

Subject: New comment on "Why Oral Arguments in Courts need to be Video Recorded?"

LinkedIn Groups

Group: Corporate & Legal Professionals of India

Discussion: Why Oral Arguments in Courts need to be Video Recorded?

I'd like to add to the benefits already listed above. One of the issues faced by us lawyers, atleast in trial courts, is that once the oral arguments have been completed and the matter posted for judgment/ order, it is found that the particular presiding officer has been transferred and the court now has a new PO who would then listen to the arguments afresh leading to prolonged delays. If the oral arguments are available in audio/ video, hopefully this should go on to reduce the delays in such cases.

Posted by Ritesh Chandra

 

 

(2) Sorry State of Affairs in Indian Court Rooms, Apathy and Insensitivity of Judges – Feedback from Public 

Public is highly dissatisfied with the India Judiciary due to sorry state of affairs in Indian Court Rooms as well as apathy and insensitivity of Judges. Mr. N.K. Sharma, our associate and ex-GM (Law) has sent the following extract of his interactions and is self explanatory:-

Forwarded Message ----

From: Corporate & Legal Professionals of India <groups-noreply@linkedin.com>

To: Narendra Sharma <nkdewas@yahoo.co.in>

Sent: Tue, 23 November, 2010 12:09:07 PM

Subject: New comment on "'I have lost faith in judiciary, want to commit suicide' - Hindustan..."

LinkedIn Groups

Group: Corporate & Legal Professionals of India

Discussion: 'I have lost faith in judiciary, want to commit suicide' - Hindustan...

A recent statistic says that Govts (both Central and State) are the biggest litigants and the main reason why the system is clogged. The power to appeal is with the lowest ranked official while the power NOT to appeal is with the highest ranking officer. No doubt all decisions against the Govt are automatically appealed without application of mind.

Further do you know that in many High Courts hardly two to three hours work gets done every day (and this work is mainly adjourning the many cases that come up). Judges are busy otherwise than in their work.

Do you know that in Madras High Court all the judges take recess at 12.30 pm on each Friday for a peculiar reason: to read Namaz. Where in the world have you heard this sort of behaviour? And ours is a secular country!!!

Who will put a stop to this nonsense!!!

The Judges are a law unto themselves, and no one has the authority or the audacity to question them or their behaviour.

Let us form a Citizens Group to agitate for a more pro active and litigant friendly court system all over the country.

Posted by SWAMINATHAN GANESH

 

 
Our Comments 

 

The present setup of Indian Judicial System has totally failed. In past 60 years, its achievement is only year to year increase in pendency and now there are mwore than 3 crore cases pending and worst part is that the pendency continues to grow from year to year. It is relevant to note that a sitting High Court Judge of Andhra Pradesh has openly said that it will take more than 320 years to clear the pendency.

It is relevant to note that Justice Krishna Iyer said in 1988 that our Indian Judicial System is 200 years behind the developed countries.

There is no option first to recognize that the present Judges and Advocates can not improve the system as has been long experience of past 60 years.

Now there is no option but to learn the method of working in develop countries. Lot of material is available on internet. In USA they first constituted a High Power Body of eminent citizens who suggested, supervised and monitored the Judicial System. It is high time the Judges and Advocate should surrender before the public and hand over the management of Judicial System to public. The more delay means more problems from the public.

Similarly, the DRTs should be guided, supervised and monitored by a High Power Committed constituted by Industrialists and Businessmen and not the bueauracracy of bankers or judicial officers like advocates and judges.

 

 

(3) Being always Positive is a Better Way of Living 

Mr. Firoz Poonawalla has sent the following beautiful piece:-

Sometimes the world appears to be spinning out of control.

Sometimes there seems to be no end to the distressing news.

Sometimes it feels like troubles are being piled on top of troubles.

Sometimes it can look as if there could never be a way forward.

And yet, that way forward is always as close as your next thought.

For no matter how difficult and discouraging life may have become, with each dawning moment,

A new world of positive possibilities opens up to you from the darkest depths of despair, hope does indeed grow and take flight.

Out of difficult situations, new strategies emerge for creating real value and spreading life's goodness.

Remember that the future does not have to be an extension of the past.

For you can act right now to create that future out of the abundance of positive possibilities.

Life always has its challenges, and those challenges are what enable you

To bring real value to life. whatever the circumstance,

Step boldly forward and choose to move the world positively ahead

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DRT Solutions Weekly Mail – 132nd Issue dated 18th November ’10

 

 
(1) E-filing in Supreme Court – Our Experience 

 

Last month on 05.10.10 we e-filed a PIL Writ in the Supreme Court. The process took hardly 5 minutes and the expenditure was Rs. 350 only. The defects were communicated by the Filing Counter of the Supreme Court by e-mail on 21.10.10. We cured the defect on 01.11.10 and tried to refile on 03.11.10. There were problems with the Server of the Supreme Court. We talked to Registrar Judicial and took up the matter through e-mail. The response of the Registry was quite good and even the Dy. Registrar rang us and informed that the problems will be solved within 2 days. Finally the documents were refilled on 16.11.10 and the expenditure was Rs. 480 only. The following is the outcome of our experience of e-filing:-

(a)                It avoids physical movement and physical presentation of documents. Hence it greatly saves time and expenditure.

(b)                On account of such saving of time and money, it improves resource utilization of the person concerned as well as the society.

(c)                We intend to commence a movement so that the process of e-filing is introduced in DRTs and High Courts

(d)                A PIL has already been filed in MP High Court to introduce the said process of e-filing in High Court. We shall widen the scope of the said PIL to extend it to cover the DRTs.

(e)                If anyone is interested to file such PIL in their state, he is welcome to contact us through e-mail, we shall provide the copy of the PIL filed by us.

(f)                  It is needless to mention that the entrepreneurs, businessmen and industrialists whose cases are going on in DRTs should take a lead to introduce and spread the culture of e-filing of the documents. We shall provide all the information and technology.
 

(2) All India DRT Conference on 8th and 9th January ’11 at Indore – Aims and Objectives 

 

We are being approached by bankers, property dealers and advocates to attend the said Conference. We have told all such persons that we are highly focussed on the ‘Defence of Borrowers and Guarantors in DRTs’ for the simple reason that trial is highly neglected and the deficiencies and trials become incurable in higher courts. Lot of competent advocates are available for High Courts and Supreme Court but there is great dearth of experienced trial lawyers in DRTs. Our prime objective is to provide maximum  possible practical knowledge to such trial lawyers in DRTs. Hence we have given first preference to our existing clients and their advocates. If there is any vacancy, the next preference will be to Advocates who are practicing in DRTs. With such category only, our seats are expected to be fully occupied. Hence we are telling other persons to excuse us. However they are free to purchase the DVDs of the Conference. The price of the said DVDs will be announced just after the Conference.

In the meantime we again request our clients and their advocates to deposit their contribution. The availability of seats is getting limited and reservation is being done on first come first served basis. As soon as the requisite seats to the capacity of the hall is over, we shall announce the closure of Registration for the Conference.

We also request the prospective participants to convey their problems so that the same are covered by our speakers.  
 

(3) Mr. Satya Pal Anand files a PIL in Supreme Court on the matter of suicides committed by the Farmers 

 

On 14.11.10, Mr. Satya Pal Anand read a news item in Hindustan Times about farmers committing suicides, on the same day, he prepared a PIL. On 17.11.10, he filed the said PIL in Supreme Court. His contention is that when the strong Sugar Lobby can get support, why the poor farmers can not be supported particularly when our Constitution and various enactments have express provisions for such support.
 

(4) Mr. Avishek Goenka of Kolkata prepares a Useful Consolidated Format of Weekly Mails 

 

One of our clients from Kolkata Mr. Avishek Goenka paid a visit to us at Indore followed by another visit along with his advocate Mr. U.C. Jha. Mr. Goenka has also prepared a very useful format of all our weekly mails in Excel Sheet so that search becomes very easy. We are thankful to Mr. Goenka for taking so much of interest in our work. Those who desire to have the said format of the weekly mails, may send us e-mail.
 

(5) This release is preponed by a day as Mr Ram Kishan will be out of Indore from 19th Nov. to 27th  Nov ’10 to Sagar and Haridwar. The next release will be published on 28th Nov ‘10 

 

Our work continues even during journey and outside stay but even then to safe guard certainty, the releases are rescheduled as above.
 

(6) Tax Structure in India – Funny but True 

 

Mr. Firoz  Poonawalla has sent the following interested piece:-

1)      Qut. : What are you doing?

2)      Ans. : Business.

3)      a : PAY PROFESSIONAL TAX!

 

4)      Qus. : What are you doing in Business?

5)      Ans. : Selling the Goods.

6)      Tax : PAY SALES TAX!!

 

7)      Qus. : From where are you getting Goods?

8)      Ans. : From other State/Abroad

9)      Tax : PAY CENTRAL SALES TAX, CUSTOM DUTY & OCTROI!

 

10)   Qus. : What are you getting in Selling Goods?

11)   Ans. : Profit.

12)   Tax : PAY INCOME TAX!

 

13)   Qus. : How do you distribute profit ?

14)   Ans : By way of dividend

15)   Tax : Pay dividend distribution Tax

 

16)    Qus. : Where you Manufacturing the Goods?

17)   Ans. : Factory.

18)   Tax : PAY EXCISE DUTY!

 

19)   Qus. : Do you have Office / Warehouse/ Factory?

20)   Ans. : Yes

21)   Tax : PAY MUNICIPAL & FIRE TAX!

 

22)   Qus. : Do you have Staff?

23)   Ans. : Yes

24)   Tax : PAY STAFF PROFESSIONAL TAX!

 

25)    Qus. : Doing business in Millions?

26)   Ans. : Yes

27)   Tax : PAY TURNOVER TAX!

28)   Ans : No

29)   Tax : Then pay Minimum Alternate Tax

 

30)    Qus. : Are you taking out over 25,000 Cash from Bank?

31)   Ans. : Yes, for Salary.

32)   Tax : PAY CASH HANDLING TAX!

 

33)   Qus.: Where are you taking your client for Lunch & Dinner?

34)   Ans. : Hotel

35)   Tax : PAY FOOD & ENTERTAINMENT TAX!

 

36)   Qus.: Are you going Out of Station for Business?

37)   Ans. : Yes

38)   Tax : PAY FRINGE BENEFIT TAX!

 

39)   Qus.: Have you taken or given any Service/s?

40)   Ans. : Yes

41)   Tax : PAY SERVICE TAX!

 

42)   Qus.: How come you got such a Big Amount?

43)   Ans. : Gift on birthday.

44)   Tax : PAY GIFT TAX!

 

45)    Qus.: Do you have any Wealth?

46)   Ans. : Yes

47)   Tax : PAY WEALTH TAX!

 

48)   Qus.: To reduce Tension, for entertainment, where are you going?

49)   Ans. : Cinema or Resort.

50)   Tax : PAY ENTERTAINMENT TAX!

 

51)   Qus.: Have you purchased House?

52)   Ans. : Yes

53)   Tax : PAY STAMP DUTY & REGISTRATION FEE !

 

54)   Qus.: How you Travel?

55)   Ans. : Bus

56)   Tax : PAY SURCHARGE!

 

57)   Qus.: Any Additional Tax?

58)   Ans. : Yes

59)   Tax : PAY EDUCATIONAL, ADDITIONAL EDUCATIONAL & SURCHARGE ON ALL THE CENTRAL GOVT.'s TAX !!!

 

60)   Qus.: Delayed any time Paying Any Tax?

61)   Ans. : Yes

62)   Tax : PAY INTEREST & PENALTY!

 

63)    INDIAN :: can i die now??

64)   Ans :: wait we are about to launch the funeral tax!!!
 

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DRT Solutions Weekly Mail – 131st Issue dated 12th November ’10

 

 
(1) Need & Importance of Video Recording of Evidence – Kerala High Court emphasizes the same in its judgment of 2008 

 

We have been quite vociferous on this issue and raised this matter in our several weekly mails. Mr. N.K. Sharma, ex-GM (Law) and our associate mentioned the same in one of the legal social sites ‘Lindedin’ where one of the members gave a very useful information reproduced below. We are trying to get the full judgment and in the meantime we request the readers to provide the same if it is possible for them:-

Observations made by the Honourable High Court of Kerala on the need for video recording the proceedings in Bhagavat Singh v. State of Kerala. 2008 (4) KLT 1047 [R Basant, J]

“9. It is perhaps shocking to note that courts in the state continue to follow the archaic procedure of manual recording of the oral evidence in his hand by the Presiding Judge. He hears the evidence and records the same in his own hand. Science and Technology on this aspect does not appear to have peeped into the Kerala Court halls at all. The amount of Judicial hours spent (or wasted) on the manual recording of oral evidence in courts is shocking. In an age when it must easily and inexpensively be possible to have audio and video recording of the oral evidence of the witnesses, we are still guilty of continuing with such archaic, time consuming, less efficacious and less efficient procedure of manual recording of evidence. The introduction of the procedure of video/audio recording of evidence will at one stroke make trial much faster, much more efficient and efficacious. It shall eliminate room for complaints like the one raised in this case. It shall take away the tedium and monotony of trials from the court rooms. It shall help the Appellate Judge and superior courts to see for themselves the demeanour of witnesses which today is the monopoly of the Trial Judge.... I do hence express my anguish and hope that qualitative changes shall be forthcoming in the near future.”

Our Comments

(1)    In our pleadings we have been mentioning about the video recording of evidence of the bank officials including their Chairman. With above ruling, our contentions are strengthened.

(2)    The above combined with the provisions of the Information and Technology Act 2000, we have now a very strong legal base for recording of video arguments.

(3)    In one of the PILs filed recently by us in the matter of corrupt CJIs, we have sought permission of the court to video record of the proceedings.

(4)    The video recording by Handycams is very easy. The DRT litigants should initiate the same in their cases.

(5)    It is needless to mention that in developed countries like US and UK past 30 years, all the proceedings are audio and  video recorded alongwith the transcription of the same to be provided to all the parties on the same day. Our CJIs were visiting these countries along with their wives and spending crores on these trips but the said systems have not yet been introduced. Instead of improving the judicial system, their attention was somewhere else.

(6)    It is no wonder that Justice Krishna Iyer said that in Indian Court rooms we are backward by 200 years. Still after such remarks in 1988, nothing has been done so far.

(7)    We are hopeful that the determined DRT litigants will take up as crusade the video recording of proceedings and evidence in DRTs. The real performance of the advocates and judges will get recorded and the quality of proceedings and orders will be greatly improved.

 

(2) PIL in the matter of functioning & control of DRTs – our contentions echoed vide news item in the Economic Times dated 8th Nov ‘10  

 

The Economic Times, Mumbai in its issue dated 8th Nov ’10 has published a news item captioned ‘Super Regulator proposed for 62 quasi-judicial bodies’ – Experts question  single body for overseeing many areas. The said news item mentions many of the points which we have been raising in our weekly mails as well as in our web site.

An important issue of Administrative control by the parent ministry has been questioned by the Supreme Court. The same has been covered in a writ petition recently filed by one of our clients in Vijayawada and admitted by Andhra High Court.

In light of above, more such writ petitions are expected to be filed by our clients in various states in the country.

It is relevant to note that in UK, the tribunals were introduced in 1800 and it took more than 150 years to achieve proper working of these tribunals which are controlled by a body consisting of eminent citizens which was the recommendation of Franks Committee in 1957. At present, it is unthinkable for our judicial authorities to achieve such change. We are still continuing with the legacy of British Ruler though they have changed the same in their country.

 
(3) Wrongful physical possession taken by collusion of bank and police restored by intervention of higher authorities  

 

Mr. B.K. Dubey, our associate informed that one of our clients having DRT litigation in Bangalore informed that the bank officials in collusion with the police took wrongful physical possession of the secured assets. When the matter was reported to higher authorise, the police had to hand over the possession back to the borrower. The matter was covered in the media. The details are awaited and will be published in next weekly issue.

Our Comments

We have been repeatedly advising our clients to file caveat in the court of DM and CMM so that Sec 14 of the Securitisation Act is not invoked without hearing the borrower.

It is needless to mention that proper pleadings in the Representation and Objections to the Notice u/s 13 including loss and damages is of utmost importance followed by Application u/s 17 of the Securitisation Act. The said application being akin to a civil suit should be contested accordingly. Under such frame work of defence, the question of taking any physical possession does not arise at all.

 
(4) “WAQT NAHI”  

 

Mr. Firoze Poonawalla has sent the following beautiful poem:-

 
Har khushi Hai Logon Ke Daman Mein, Par Ek Hansi Ke Liye Waqt Nahi.

Din Raat Daudti Duniya Mein, Zindagi Ke Liye Hi Waqt Nahi.

 

Maa Ki Loree Ka Ehsaas To Hai,Par Maa Ko Maa Kehne Ka Waqt Nahi.

Saare Rishton Ko To Hum Maar Chuke, Ab Unhe Dafnane Ka Bhi Waqt Nahi.

 

Saare Naam Mobile Mein Hain, Par Dosti Ke Lye Waqt Nahi.

Gairon Ki Kya Baat Karen,Jab Apno Ke Liye Hi Waqt Nahi.

 

Aankhon Me Hai Neend Badee, Par Sone Ka Waqt Nahi.

Dil Hai Ghamon Se Bhara Hua, Par Rone Ka Bhi Waqt Nahi.

 

Paison ki Daud Me Aise Daude,Ki Thakne ka Bhi Waqt Nahi.

Paraye Ehsason Ki Kya Kadr Karein,Jab Apane Sapno Ke Liye Hi Waqt Nahi.

 

Tu Hi Bata E Zindagi,Iss Zindagi Ka Kya Hoga,

Ki Har Pal Marne Walon Ko,Jeene Ke Liye Bhi Waqt Nahi.........

Cheers.......

(5) Our Weekly Mails in form of a Printed Book:-

As informed we have received huge demand for a printed version of our weekly mails. Hence it has been decided to bring about a book with comprehensive commentary, good index along with a CD for easy search. We have started receiving enquiry and suggestions from the readers of our weekly mails as well as from the visitors of our web site.

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DRT Legal Solutions

 

Attorneys at Law of Torts, Injury and IPR Claims

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Contact Information :- Phones (India):- Mobile- +91-969-1103689, Off. & Res. +91-731-4049358,

E-mail - ramkishandrt@gmail.com and ramkishan@drtsolutions.com

Popularity of our web site :- The key word for search of our website is 'drt'  or any phrase commencing with 'drt'  We are on the top in Google Search for 'drt' among 28,60,000 results globally. In most of the search engines like yahoo, msn, google, excite, altavista, mamma, alexa etc., To verify, you may visit www.yahoo.com, www.msn.com, www.rediff.com, www.indiatimes.com, www.altavista.com, www.google.com, www.excite.com, www.hotbot.com, www.123india.com, www.aol.com, etc. Our reference appears in www.economictimes.com, www.amazon.comwww.financialexpress.com, www.lawcrawler.com, www.findlaw.com, www.law.com, www.supremecourtofindia.com, www.supremecourtonline.com

(2) We have created a separate web site www.usindolegal.com which deals exclusively with our US joint venture enterprise for activities like BPO, legal BPO, DRT etc. This site has started appearing in the search results of Google, Mamma, Alexa and Yahoo.

Application of Law of Torts in claiming Damages from Municipal Corporations for demolition of structures, closure of shops etc:- In many parts of the country, the Municipal Corporations are demolishing structures like shops and houses which existed for number of years. The shops existing for number of years are proposed to be shut down. The affected persons should claim Damages under the Law of Torts, which would be substantial. It is learnt that in Delhi itself about 5 lac shops are to be closed down and about 25 lac persons would be out of jobs. All these persons should file damage suits in the civil court. Since the damages would be substantial, the suits may be filed as Indigent Persons. Since the damages would attract interest, the usual delay by the civil courts will not affect the final outcome. The affected shop owners may discuss the details with us on phone.

Our Articles for Borrowers and Guarantors:- Our articles on DRT matters have been published in the Financial Express. The All India Manufacturers Organisation in its famous web site www.aimoindia.org has reproduced copies of our four articles. These original articles can be searched in the archive of the Financial Express in its web site www.financialexpress.com Two of these articles have been reproduced in other pages of this web site. 

Useful link www.WorldVideoBusiness.com :- WorldVideoBusiness-WVB® is a business to business e-marketplace source of international trade leads, and tender opportunities from companies and government organizations around the globe.

About Us in Brief :-  (1) We specialize in DRT (Debt Recovery Tribunal) and NCLT (National Company Law Tribunal) matters. As a whole you may approach us for all DRT Problems and Solutions as well as matters connected with ARCIL i.e. Asset Reconstruction Company (India) Limited,  We have a Joint Venture with an America based law firm for various activities like BPO, legal BPO and DRT. The details of the said American firm and the joint venture may be seen at the page - Our US Joint Venture with Anand Ahuja Associates or in www.usindolegal.com (2) For your all problems including those in DRT, please phone us or send e-mail. Please give your contact details along with your problems in brief. As a whole you may approach us for all DRT Problems and Solutions.  (2) With our Legal Opinion, you need not worry about the Securitisation Act or other DRT matters or NCLT. Please visit the page Products & Services and Frequently Asked Questions (3) On account of our expertise in the Law of Torts and Banking and experience past 15 years, we can help you to submit suitable defence with winning strategy in DRT cases, Securitisation Act, Guarantors' defence etc.  (4) We need only copies of all available documents  to render our expert 'Legal Opinion' which will be quite useful and valuable to you particularly in DRT i.e. Debt recovery Tribunal. (5) We have also handled assignments for preparation of damage claims against Electricity Boards, Insurance Companies, Municipal Corporations etc. all on the basis of the Law of Torts.  (6) The DRT counterclaims is to be prepared well in advance so that it could be raised at proper time in DRT or other forum to safeguard the securities and assets. (7) Several DRT counterclaims drafted by us are being handled by different advocates at DRT Mumbai, DRT Delhi, DRT Jabalpur etc. Thus DRT advocates are available in these cities. Cases in other Debt Recovery Tribunals are under process. (8) This site is updated monthly mostly on every first Monday of the month or for urgent release on any day with latest material. (9) For further details about us, please visit the page About Us-DRT Solutions As a whole you may approach us for all DRT Problems and Solutions. We hail from the place to which Maharishi Mahesh Yogi and Acharya Rajnish belong and hence this site is dedicated to them.

Our this web site is dedicated to Yoga Rishi Baba Ramdev Ji Maharaj:- Our this web site is respectfully dedicated to Yoga Rishi Baba Ramdev Ji Maharaj whose method of Pranayam has cured even incurable diseases and thus has revolutionized modern medical science. For further details please visit our special page by clicking here Baba Ramdev Ji Maharaj, Yoga Guru, Cure for All Diseases, Medical Science Revolution

Site also dedicated to:-   (1) Swami Ramdevji, Acharya Balkishan and their Guru Pradumn Maharaj.

                                             (2) H.H. Maharishi Mahesh Yogi and Acharya Rajnish, the greatest gurus of all time www.maharishi.com, www.osho.com

                                           (3) Shri Hira Ratan Manek (HRM) for his pioneering work on Solar healing vide his web site www.solarhealing.com and forum at www.lifemysteries.com                                    

We regularly practice TM and SCI of Maharishi Mahesh Yogi. We also regularly practice Hath Yoga including Pranayam based on Baba Ramdev Ji  Maharaj. We daily watch his global TV program on Astha Channel from 05:30 AM to 8AM and 8PM to 9PM Indian Standards Time. On Sanskar channel, we daily view the discourse of Pradumn Maharaj from 4 AM to 5:30 AM. Many chronic diseases such as Cancer, Parkinsons' disease, Polio, Asthma, Hypertension, diabetes etc. have been cured by the said method of Pranayam which can be learnt even by watching his program on TV. Since 30th March '06, we have started practicing Sun Gazing as prescribed by HRM.

                                    (3) Shri Satyanarayan Morya alias 'Babaji' for his praiseworthy service to our nation. Please visit his site www.artistbaba.com 

Disclaimer:- We have no branch or setup other than at Indore. It is observed that some persons are using name of our firm as well as name of our web site. We have not given  any such authority to anyone to do so. Under such facts and circumstances, if anybody suffers any loss, we shall not be responsible. If such instance comes to notice of someone, we may kindly be informed.

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