Archive for fast


Repossession represents the legal process that allows financial institutions to recover properties from defaulters. This unfortunate situation occurs when the homeowner has borrowed from the financial institution in lien of the property, and has failed to pay his or her instalments or arrears in full. The homeowner loses the right to ownership of the property, which is followed by the obligation to evacuate the property, as the lender is authorized to occupy it.

Moving out of the property is not the only tragic consequence of repossession. The homeowner will probably also have to repair the damage, which adds to more expenses. The homeowner’s credit score may also be affected, preventing him or her from being granted credit in the future.

What homeowners should know is that the repossession process cannot happen overnight. You need to be aware of your rights, and avoid early and undue repossession from taking place because you are uninformed or ignorant. First of all, it takes more than the lender’s will to throw you out of your home. Prior to being repossessed, you should receive several notices in writing from the lender, notices that bring your default to your attention and offer settlement solutions. If you fail to make things right at this stage, you will also have to be issued a formal repossession order by a court of law. Either way, you should not lose hope, because there will always be a solution for settlement, as the lender is more interested in getting the money back, rather than in getting the property.

There are times when, as informed as you may be, certain financial exigencies that you may experience will prevent you from making your payments in time. Under these circumstances, you have to find a good solution to stop house repossession. Quick house sale is a very good solution to stop house repossession.

The prospect of being evicted from your home can generate both psychological and financial problems for you as the owner of the property. Surveys show that repossession occurs more and more frequently in the UK and all over the world, as there are more and more financial institutions willing to offer loans, without properly checking credit reports. If, for whatever reason, you find yourself in the situation of being unable to pay your arrears, you will probably want to stop house repossession, and selling your property quickly is the answer.

How can you sell property fast in UK? Well, you can undertake the whole process of selling your home through an estate agent, but this would most likely take a lot of time, and with chains breaking or the buyer pulling out of the sale at the last minute as buyers very often do, could lead to all sorts of problems. In the meantime you have wasted weeks trying to find a buyer for your property with repossession looming ever closer.

When you want to stop house repossession, you need a lot of cash in a short time, and getting it on your own is highly unlikely. Instead, you can opt to sell property fast in UK, and do so in an easy and hassle-free way, without involving any estate agent, by turning to investors with lots of cash who buy houses privately.

Such investors with cash can really come to your rescue when you need to sell property fast in UK and stop house repossession. Your house can be sold as quickly as in ten days or less, with no costs for you, as all solicitor fees will be paid for by the investor.

Many of our clients have said that they desperately need to come up with a large amount of cash and don’t want to move out or lose their home as they have no where else to go. Therefore, to assist our clients needs we have a Rent-Back option in place which enables us to buy the house fast and rent it straight back to them at an affordable rent - this ability to be flexible is just one of the advantages of dealing directly with cash buyers like us.

All in all, a quick house sale in UK is the solution to several problems that you may be experiencing. You can stop house repossession and keep your home, get a large amount of cash in less than ten days, and keep your expenses as low as possible, by selling your house privately to investors with cash.

For more information about stop house repossession or even about sell property fast UK please review this website http://www.elitepropertybuyers.com



Quick House Sale
Categories : Quick house sale
Comments (0)
May
18

Home Insurance – an Absolute Necessity

Posted by: admin | Comments (0)

A home has to be protected from all possible dangers. The best way to do that is to protect your home through home insurance policy. A home insurance policy can protect one from several varied situations, including fire and theft. Also, contents and possessions can be insured, along with the structure of the building and other equipments. Home insurance can be an expensive affair; this can be taken care of by deploying the services of a specialist broker.

There are a few things to be taken into consideration before taking a home insurance policy. The homeowner has to take certain precautions to ensure he does not get a raw deal. For instance, if the home has undergone some renovation work, the value increases. The current policy may not necessarily do justice to the actual value of the home. The competition in the home insurance sector is tremendous nowadays. Every new day brings about a more feasible offer. To get the best (or somewhere close to it) home insurance deal, one can undertake research of the plethora of offers that are in the market.

Should there be certain changes in the locality you are, it may lead to the increase or reduction of the home insurance policy. Generally, a customer’s insurance company contacts him should there be anything of that nature. Still, it would be foolhardy to expect your insurance company to update you on better deals from competitor companies. If the place you live in has damage or theft claims in recent history, the company will charge more. Here, the true value of the company is important. Also, of significance is the credit report.

Also, one can take steps to bring down the policy. Improving the safety measures can qualify the insured for a discount. Taking two or more policies can be helpful as well. One good advice is to shop around for the best deals.



Rent Back Fast
Categories : home insurance
Comments (0)

The basic idea behind home insurance is pretty simple; trying to recover from a household disaster without it however, is not.

Home insurance was designed to provide consumers with the peace of mind that if anything disastrous happens to their home or belongings then they should be eligible for a financial payout, thus easing the burden of replacing what has been lost.

The insurance is split into two categories, the first – contents cover is usually required by all consumers, both homeowners and those living in rented accommodation. The second, buildings cover, is likely to be required if you are a homeowner, but may be provide by your landlord if you are a tenant; this is something that should be checked as it is not always provided a standard.

With both types of insurance it’s vital that you do not underestimate the level of cover you require, otherwise you may find that any prospective payout(s) do not cover your losses.

It is common practice for insurers to bundle the two together – offering a discounted package if you take out contents and buildings cover from them. Although this is often the easiest option, it may not prove the most cost effective. Also, when purchasing a home, your mortgage provider will almost always insist that you have some form of buildings cover, as until you fully pay off the mortgage it is their investment too.

The specific premiums that you will be required to pay will vary considerably, depending on a number of factors, notably; the area, any past claims you have made, the age of your property and value of its contents.

Although the overall cost of home insurance hasn’t changed that much over the past decade, the breadth of cover however, tends to fluctuate. To clarify, the number of situations in which your insurer will pay out can range from accidentally breaking your TV to having a handbag stolen abroad.

For this reason it is important to go over all of the home insurance details with your insurer prior to taking out the house insurance. The internet is an excellent resource for researching and finding cheap home insurance.



Rent Back Fast
Categories : home insurance
Comments (0)
May
10

The Best Way to Sell your House

Posted by: admin | Comments (0)

Selling a house is a very complex procedure that takes lots of preparation, research, patience in order to do it the right way. The first thing every home owner who wants to sell a house is to see it no longer as a home but as a product which needs to be marketed in order to get a fair price from property buyers which are on the look for a good house if possible at the lowest price available.

The next thing to do is consider having a professional whole sale inspection so that all major flaws will be uncovered before they can cause troubles to potential clients. Also, by doing this it will prove that you are a responsible seller which will greatly improve the overall perspective of the house. After doing this it is advisable to literally prepare the house for the upcoming sale. In other words, what you need to do is stand back and look at the house objectively and think if you would buy such a house. Asking friends, relatives, neighbors what they think of the house is a wise thing to do as you will get an objective opinion about the house. All this because overlooking flaws can cost you money and nobody wants to lose money for no reason. Detecting flaws and repairing them will improve the value of the house.

Make sure your house is fresher, cleaner, better maintained so that it will stand out from the competition which will convince property buyers that if they purchase your home they will make a wise decision. After you have done this try removing all the “imprints” that you have made to the house. You should still keep a few photos of your family but don’t exaggerate because if your house is full of personal pictures, property buyers can’t envision themselves in the house so there are slim chances that they will buy it.

A wise choice when selling a house is to benefit from the services of a quick house sale company which are becoming more and more popular due to the fact that real estate agents aren’t a reliable solution anymore because their fees are enormous. Among major advantages provided by this kind of companies are: no valuation fees, no estate agent’s fees, there is no waiting, no mounting debts and also no uncertainty.

Another reason why people should use this method relies on the fact that we live in a uncertain property market with unrealistic estate agent’s valuations so if stability is what sellers are looking for, this is the thing to do as this companies offers what everybody is looking for : hassle-free transactions. These companies can buy your property for cash in a week which is almost incredible, also after they buy it you have the possibility to rent it if you don’t have where to stay after the selling. Also, unlike estate agent’s, their evaluations are real so they won’t betray and deceive you.

Although these companies offer less money ( between 15%-20% ) for your home in comparison with a real estate agent, this still remains a great solution as it is way more faster and reliable because you get your money right away, in cash, so there are no complications during the transaction.

With ever increasing needs for full services when it comes down to selling a house, U.K.’s quick house sale companies offer the best alternative ( with no estate agent’s fees ), for making the entire selling process if not enjoyable at least, satisfactory.



Passive Income
Categories : Quick house sale
Comments (0)

Life’s sail is never a smooth one. The more the ups and the downs, moving in and moving out become dominant. Be it relationship or your sweet home. However, there might be several reasons as to why you need a quick house sale at UK, from divorce, new job, ill health, bereavement to cash-strap situation. Just putting up a board saying ‘buy my house fast’ will not fetch you the best deal, at least in these times.

Yes, quick property sale UK is a complex process. There might be options of a complete outright quick house sale in a cash-strap situation or in a situation when you are moving out to a new company in a new place. There are certain cases of changing jobs, where quick house sale becomes possible as the company often buys back the house from you. The company as a cash house buyer might not give you the best price but you are happy as it frees you from the hassle of looking for another buyer or putting up the house for sale with the estate agents. So check out on the company agreement with you.

However, in cases of divorce, it is better that you take a recourse to companies that offer services on buy and rent back option of houses. Not only that these companies provide with a quick option of searching the right cash house buyer but also makes it convenient by saving your time. With such specialist companies in UK, all you need to do is fill up a simple online form, leaving few details and you can then select a deal offered by them. Thus apart from coping with strained relation you need not bother and get the headache of selling the house and you still get the cash you’ve needed. Additionally, you can wish to keep it as a confidential sale requesting that to the companies dealing with buy and rent back houses.

Third, if you yourself want to hunt for the best deal with a simple listing like ‘buy my house fast’ you need to take certain steps. First off, get thorough information on the valuation of the quick property sale UK. Then, set your rational expectation of price accordingly. Acquire some information on the quick house sale deals within your neighborhood and put up an advertisement in the local dailies or hire the services of the estate agents. Additionally you can browse the internet and get some detailed information on reputable fast cash house buyers and go ahead to clinch the best deal.

But, the word of caution is never throwing away the house under distress; you might lose on in the longer run. If you feel you are not getting the right price for your house on sale, try the renting out option but never lose on to your equity. Prior to contemplating on the idea of sell property fast it is advised to check with a licensed cash property buyer UK and get your all your doubts regarding property selling in London clarified.



Quick House Sale
Categories : Quick house sale
Comments (0)

1. He’s fast, but thorough.

a. Does your mortgage broker contact you in a timely fashion with detailed reports and requests, informing you that he just got the request in from the lender?

b. Or does he sit on the lender request for a few days before contacting you? When you provide the information the mortgage broker requested from you, does he review it with you while you are there to confirm that it is everything he needs?

c. Or does he set your information aside to look at later, possibly resulting in yet another request from you to get the missing item? If he does not operate with speed and thoroughness, speak to him about this. Let your mortgage broker know that sometimes his requests will take you time to compile or prepare for him, and that you cannot do your part well if he does not do his part with speed and thoroughness.

2. He’s efficient.

a. You’ve been to his office. The mortgage broker has a well organized office, with clean and professional staff. (Of course this only applies if the mortgage broker is not an independent rep with no staff).

b. They are all working and there are no serious signs of disorganization. The phones are active and there is life to the office. If you see this, what you are looking at is an efficient mortgage broker who keeps things moving in his office and has built a good relationship with people who need loans and the lenders who provide them. If you don’t see this, although he may be efficient on some level, he may not have the efficiency that you need overall to get your job done. Watch the signs carefully. You need your mortgage broker operating at maximum efficiency.

3. He listens and solves problems.

a. Did your mortgage broker hear you when you said that you would not be able to provide certain documents that he asked for and come up with a solution of how this problem could be solved? Was his solution an actual solution that you could utilize to keep your loan moving forward? If no, then you’ve got a problem. He is not listening. He is not solving problems.

b. Did your mortgage broker clearly hear and understand the problem the lender had and put forward a solution to the lender that both you and the lender could utilize? If no, you’ve got a problem.

4. He does not try to put you into a loan that you cannot afford.

a. You’ve given him all the info he needs to correctly determine a loan amount that you can afford, and an interest rate that you can afford, yet the numbers the mortgage broker brings back to you are above what you can afford. Walk away and find a better mortgage broker. Don’t be one of the thousands of Americans that got in over their heads and lost their homes.



Rent Back
Categories : mortgage arrears
Comments (0)
Apr
30

Expunging Criminal Histories in Illinois

Posted by: admin | Comments (0)

EXPUNGEMENT OF CRIMINAL CASES IN ILLINOIS

            The arrest record of anyone ever arrested remains available to the public unless it is expunged.  This is true even if the case is dismissed or there is a verdict of not guilty.   

Expunged or Sealed:  Most criminal records without convictions can be expunged or sealed and even some records with convictions may be expunged or sealed.  When a record is expunged, it is erased, as if it never existed.  When a record is sealed, only law enforcement may view it.  Others, such as the general public, may not.  A record is best expunged, but is still beneficial to have it sealed.  For a record to be expunged or sealed, it must qualify. 

 

Necessary Information:  To start the process of expunging or sealing a criminal record, it is best to locate all the paperwork relating to the case or cases.  The following information is needed: 

·        Defendant’s contact information

·        Case number

·        What happened in court – a guilty plea, dismissal, etc.  This is called the “disposition” on the court record and it can be found at the courthouse where the case was heard.

·        Date of arrest

·        Agency or Police Department conducting the arrest. 

 

Additionally, it may be necessary to obtain a criminal history. Criminal histories can be obtained from the following places:

·        Illinois State Police, Bureau of Identification,

                               260 North Chicago Street, Joliet IL 60432,                   ·        The FBI, U.S. Department of Justice,                                1000 Custer Hollow Road, Clarksburg WV 26306.                 ·        The circuit clerk of the court where your case was handled. The clerks only have records for their counties not for the entire country or the State of Illinois.  Information for Illinois Circuit Clerks can be found at: http://www.state.il.us/court/CircuitCourt/CircuitCourtJudges/CCC_District.asp

            Records that can be Expunged:  To determine whether a record qualifies to be expunged or sealed, it is best to consult an experienced expungement attorney.  Some qualifying situations are listed below:

·        If the defendant was acquitted, released without conviction, found not guilty or   there was a no probable cause finding, or nolle prosequi (dismissed by the State’s Attorney).

·         Most cases qualify if there was *supervision ordered AND two years have passed since the successful completion of supervision.  The cases listed below require five years.

·        Cases in which an order of supervision or terminating probation was entered AND at least five years have passed since termination.  This applies to the following:

o       Uninsured motor vehicle

o       Suspended registration for non-insurance

o       Display of false insurance

o       Reckless driving

o       Retail theft

o       Certain cases involving Cannabis/Marijuana and Drugs and Alcohol.

·        Cases in which a conviction or sentence has been set aside and the court later determines you are factually innocent

·        Cases in which the governor has issued a pardon

 

Records that cannot be Expunged: 

·        A finding of guilt, with judgment on the finding, based on either a plea or verdict resulting in a sentence.  This does not apply to probation under the Cannabis, Controlled Substances, Steroid Control, or Alcohol and Drug Dependency Acts.

·        Probation (except under the acts listed above)

·        Supervision or conviction of a sexual offense against a minor under 18 years of age

·        Conditional discharge

·        DUI supervision

 Records that can be Sealed:   Below are some general requirements to have a record sealed.  However, to make sure, it is best to consult an attorney.

·        An adult or a minor prosecuted as an adult for a misdemeanor or municipal ordinance violation, and the defendant:

o       Was Acquitted  (Found Not Guilty)

o       Was Released without being convicted

o       Had a conviction was reversed either on appeal or by the trial judge

o       Received supervision for a misdemeanor AND had no convictions AND was not placed on supervision for a misdemeanor for three years following the termination of the case you are seeking to seal.

o       Had a case that was a qualifying Class 4 felony (possession of marijuana, possession of a controlled substance, and prostitution).

o       Received a misdemeanor conviction AND had no convictions or supervisions for a felony or misdemeanor for four years following your sentence.

·       Court Supervision may follow a guilty plea or a finding of guilt after trial. Supervision, if ordered by the judge and successfully completed, means there is not a record of conviction on the charge.  It should be noted that while supervision does not constitute a conviction, the supervision itself will stay on your public record unless expunged or sealed.  Court Supervision is like a continuance, pending the defendant’s good conduct, with dismissal of the charges upon acceptable compliance.  If the conditions are complied with, there is no conviction.  Supervision can be for up to two years and eliigibility for expunging or sealing does not begin until two or five years after the supervision is over.

If you have further questions about Illinois Expungement Law, please go to:

http://shestokas.com/Ask_an_Attorney.html     

Only matters charged as crimes or business offenses are covered by the information on this page.  Traffic tickets, divorces, or orders of protection are not covered by the rules above.

 

                                                                                          © 2008 Shestokas, Raines & Malavia



Rent Back Fast
Categories : home repossession
Comments (0)

At times you find it exigent to sell a property very quickly, almost in no time. Unavoidable circumstances like divorce or separation from your partner may drive you to such an emergency. The common chemistry that united you together is not matching any more. The moral maths of the moment demands a separation. To get over with the stress and strains you are undergoing, you need a quick sale of your property.

Or it may be that you are in need of cash in a flash. With a next to zero bank balance, you may turn to friends and relatives to avail that. You try every reliable source but in vain. So, you see no other alternative than to bank upon your property. But selling a property involves some documentation which, in turn, wastes lots of time. Sometimes it takes months to receive the cash. So, how can you ensure a quick sale of your property!

Well, the answer lies in the estate agents. Under any such circumstances when you need to sell your property quickly, they can provide you with valuable service. They will buy your home, sometimes directly from you. There will be no intervention of any third party. The hassle of documentation will be very less. Most importantly, you will have the cash in your hand very quickly.

Selling a property through estate agents is really smooth and easy. Whatever your circumstances may be, they will be ready to buy your property. You may need a quick sale for bizarre reasons. Apart from divorce, separation and financial difficulties, you may want to sell your property for some other reasons. Thus, you might be lagging behind with your mortgage repayment; so much so that you are heading towards property repossession.

Or you may be going to buy a new home and want to sell out the old one. It may even be the case of going abroad all on a sudden. In all the above circumstances what you need is a quick sale of your property to be in control of your schedule. Your singular effort will not be enough to meet such an emergency. So, the help of an estate agent is a must. They will buy the property instantly, sometimes even within twenty for hours and shell out the money on time.



Rent Back Fast
Categories : Sale and Rent back
Comments (0)

Sec 498A of the Indian Penal Code a weapon in the hands of vamps

 

 

Introduction

 

 

Objective: The Indian Penal Code, 1860 was amended in the year 1983 to include the provisions of Section 498 A which deals with the punishment of the husband and his relatives if a married women is subjected to cruelty which is likely to drive a woman to commit suicide or cause grave physical or mental injury to her, and harassment with a view to coercing her or any of her relatives to meet any unlawful demands of property. The offence is cognizable, non-bailable and non-compoundable. Hence once a complaint is lodged on the above mentioned grounds the accused has a lot to bear before he can be given a clean chit. With the rise in modernisation, education, financial security and the new found independence the radical feminist has made 498A a weapon in her hands. Many a hapless husbands and in laws have become victims of their vengeful daughter-in-laws. Most cases where Sec 498A is invoked turn out to be false (as repeatedly accepted by High Courts and Supreme Court in India) as they are mere blackmail attempts by the wife (or her close relatives) when faced with a strained marriage. In most cases 498a complaint is followed by the demand of huge amount of money (extortion) to settle the case out of the court. My aim is to study the cause and effect relationship that this section brought about in the matrimonial sphere of the Indian society.

 

Scope : The scope of my article is to cover Section 498a of the IPC relating to  criminal law in which the wife and her family can charge any or all of the husband’s family of physical or mental cruelty. This law is unique to India as it not only discriminates based on gender (man Vs. woman), but also discriminates against women based on their relationship with the husband. Typically, the charged family members in these cases include:

• Mostly women of all ages (unmarried, married and pregnant sisters of the husband, his mother and sisters-in-law, elderly grandmothers and aunts)

• Other maternal and paternal relatives and even young children in the family.

The Report will deal with the ingredients of the section and what must be essentially proved to convict an accused under this section. I will also deal with the provisions relating to the cognisable and non-bailable provisions of this section. The non-bailability provision is grossly misused by unscrupulous wives who file false complaints against unsuspecting husbands and her in laws. The police in such cases register and FIR and forward the chargesheet without proper investigation in most of the cases. A lot of men have had their lives ruined because of this drastic section.

 

Methodology :

 

I have used the doctrinal method of legal research for this report. Thus it required an extensive study of the provision along with the relevant act of the Evidence Act and the Criminal Procedure Code. Reference to case laws have been made by going through case laws in relation to this provision.

 

Main Text :

 

The Supreme Court of India says, “But by misuse of the provision (IPC 498a - Dowry and Cruelty Law) a new legal terrorism can be unleashed. The provision is intended

to be used a shield and not an assassin’s weapon”. Laws originally meant to protect from the dowry menace are being misused by urban ill-intentioned, unscrupulous women and their families as “an assassin’s weapon” . There is a rapidly escalating social evil in Indian families, namely the misuse of the Dowry and Cruelty laws (Criminal Laws), which were originally meant to act “as a shield” for the protection of harassed women. Nowadays, the educated urban Indian women have turned the

tables. They have discovered several loopholes in the existing Indian judicial system and are using the dowry laws to harass all or most of the husband’s family that includes mothers, sisters, sisters-in-law, elderly grandparents, disabled individuals and even very young children.

We are not talking about the dowry deaths or physical injury cases but about dowry harassment cases that require no evidence and can be filed just based on a single-sentence complaint by the wife. With an approximately 60,000 such accusations per year, about 200,000 people are directly affected by these false accusations. The number of such cases has increased by about 100% in the last 10 years and by more than 15% in just the last two years. This poorly formulated law is inviting unscrupulous people to file false cases, and causing the imprisonment of innocent people without investigation. These innocent people undergo stigmatization and hardship even before a trial in the court of law which leads to immense emotional, physical and financial trauma. Unable to bear the harassment, the loss of reputation and the social consequences of being implicated in a false criminal case, some of these falsely accused husbands and their elderly parents are committing suicide. Despite the recommendations of the Supreme Court of India and Justice Malimath Committee that the legislative arm should modify the laws such that the innocent are protected, the suggested amendments to the law have been largely ignored. Unconstrained, this social evil is threatening the foundation of the Indian Family system. For every complaint filed by a woman, there are generally twice as many or more women are accused although the married couple may have never lived with any of the people mentioned in the criminal complaint.

Let us look into the general text of the section it reads 498A. Husband or relative of husband of a woman subjecting her to cruelty.–Whoever, being the husband or the relative of the husband of a woman, subjects such woman to cruelty shall be punished with imprisonment for a term which may extend to three years and shall also be liable to fine.

 Explanation.-For the purposes of this section, “cruelty” means-

(a) any wilful conduct which is of such a nature as is likely to drive the woman to commit suicide or to cause grave injury or danger to life, limb or health (whether mental or physical) of the woman; or (b) harassment of the woman where such harassment is with a view to coercing her or any person related to her to meet any unlawful demand for any property or valuable security or is on account of failure by her or any person related to her to meet such demand.

 

IPC-498a is

• Cognizable – The accused can be arrested and jailed without warrant or investigation

• Non-Compoundable – The complaint cannot be withdrawn by the petitioner

• Non-Bailable – The accused must appear in the court to request bail

The accused are presumed guilty, and for all practical purposes, the burden is on the accused to prove innocence in the courts. The FIR is typically an imaginary story, running into many pages, with absolutely no supporting evidence. It typically takes about 7 to 8 years for the accused to prove their innocence in the courts. Due to the overwhelmingly large number of false cases, the conviction rate in these cases is close to zero. The delay in the provision of justice amounts to the denial of justice. There is no penalty for the misuse of IPC 498a, and after acquittal of the accused, the courts are reluctant to entertain defamation and perjury cases against the falsely testifying witnesses.

We must look into why people misuse the provisions of Sec 498A of the IPC.

• Legal Extortion – Get-rich-quick-scheme to extort large amounts of money

• Prior Relationship – Wife has a prior relationship, and cannot get out of it. She marries to satisfy her parents, and then misuses the 498a law in order to obtain a divorce.

• Adultery – Women who indulge in adultery use 498a as a bargaining tool

• Domination – Wife wants the husband to abandon his parents and siblings, and have total control over his finances and social behaviour

• Custody - Deny the father and his family access to their child(ren).

• Fraudulent Marriages - in which the bride (and her family) hides her education level or mental health; and when is justifiably asked to release the person who has gone into marriage without knowing the full facts; she files a false 498a case.

The kind of women who are likely to file false 498A cases have certain typical traits :

• Who is suffering from pre-existing mental problems such as Borderline Personality Disorder, Bipolar Disorder, Schizophrenia, etc.,

• Whose family is nouveau riche and likes ostentatious display of wealth, possessions as well as social and political connections

• Who is used to living beyond her means

• Whose father is hen-pecked and whose mother dominates all family situations

• Who listens to and acts in accordance with her parents’ wishes at all times, exhibiting a lack of individuality and discretion in dealing with her married life

• Who pushes for quick involvement during the establishment of a marriage alliance, pressing the man and his family for an instantaneous commitment

• Who is excessively possessive and suspicious

• Who is self-centred and feels the need to dominate the relationship and every aspect of decision making

• Who tries to alienate her husband from his family and friends

• Who is hypersensitive and therefore easily insulted

• Who indulges in verbal abuse and constant criticism of her husband and in-laws

• Who uses blackmail (emotional or otherwise) and threats to get her unreasonable demands fulfilled by her husband and in-laws

• Who walks out on her husband following an argument and stays away from her husband indefinitely without any effort towards reconciliation

 

Today every husband is labelled a torturer and the mother-in-law a demon. A fair amount of blame for this rests on the media which, with a view to sensationalize the ‘story’ blows the news of ‘harassment’ or ‘torture’ of married women out of proportions, without properly investigating the veracity of the story. The news of alleged ‘torture, harassment, and misappropriation of stridhan’ of wife by ‘A’ was published prominently by a leading city newspaper, accusing several members of his family torturing her. The concerned reporter never bothered to verify the allegations with the husband of ‘A’. As the news carried his full name and those of his relatives, designation and the organization where he was working, it caused irreparable damage to the entire family’s image and hard-earned reputation in almost every circle they moved. Queries started pouring in following this news. Depressed as he was, ‘A’ immediately registered his protest with the editor. The newspaper did publish his rejoinder, but after a long time gap and without any apology for publishing an unverified report. One wonders where this growing tendency of misusing the useful laws by unscrupulous parties is leading the society. Harassing and victimizing women for dowry is condemnable. We all have sisters, and daughters, and undoubtedly they require legal protection from all forms of harassment and cruelty but what if the legal loopholes of this very law are misused by women to harass their husbands and in-laws?

The Apex Court has also commented on the possible misuse of this provision in a number of cases. Right to life and liberty of every citizen is guaranteed under Article 21 of the Constitution of India. But this life and liberty can be curtailed if they hinder others’ life and liberty. For that due process of law is necessary. While civil law determines what is right and what is wrong, the criminal law imposes penalty to deter.

Section 498A was inserted in the Indian Penal Code in 1984 with a view to protect women against dowry harassment. From the very beginning of this law there has been reaction from the society including legal luminaries that this law could be misused and its effects on the society would be deleterious. In their judicial observations and remarks, the courts have expressed deep anguish over this law. Here are some recent judicial observations.

Way back in 1990 Punjab and Haryana High court observed in Jasbir Kaur vs. State of Haryana, (1990)2 Rec Cri R 243 case as:

“It is known that an estranged wife will go to any extent to rope in as many relatives of the husband as possible in a desperate effort to salvage whatever remains of an estranged marriage.”

In Kanaraj vs. State of Punjab, 2000 CriLJ 2993 the apex court observed as:

“for the fault of the husband the in-laws or other relatives cannot in all cases be held to be involved. The acts attributed to such persons have to be proved beyond reasonable doubt and they cannot be held responsible by mere conjectures and implications. The tendency to rope in relatives of the husband as accused has to be curbed”

Karnataka High Court, in the case of State Vs. Srikanth, 2002 CriLJ 3605 observed as:

“Roping in of the whole of the family including brothers and sisters-in-law has to be depreciated unless there is a specific material against these persons, it is down right on the part of the police to include the whole of the family as accused”

Supreme Court, In Mohd. Hoshan vs. State of A.P. 2002 CriLJ 4124 case, observed as:

“Whether one spouse has been guilt of cruelty to the other is essentially a question of fact. The impact of complaints, accusation or taunts on a person amounting to cruelty depends on various factors like the sensitivity of the victim concerned, the social background, the environment, education etc. Further, mental cruelty varies from person to person depending on the intensity of the sensitivity, degree of courage and endurance to withstand such cruelty. Each case has to be decided on its own facts whether mental cruelty is made out”

Delhi high Court, in Savitri Devi vs. Ramesh Chand, 2003 CriLJ 2759 case observed as:

“These provisions were though made with good intentions but the implementation has left a very bad taste and the move has been counter productive. There is a growing tendency amongst the women which is further perpetuated by their parents and relatives to rope in each and every relative including minors and even school going kids nearer or distant relatives and in some cases against every person of the family of the husband whether living away or in other town or abroad and married, unmarried sisters, sisters-in-law, unmarried brothers, married uncles and in some cases grand parents or as many as 10 o 15 or even more relatives of the husband.”

Punjab and Haryana High Court, in Bhupinder Kaur and others vs. State of Punjab and others, 2003 CriLJ 3394 case observed as:

“From the reading of the FIR, it is evident that there is no specific allegation of any act against petitioners Nos.2 and 3, which constitute offence under s.498-A I.P.C. I am satisfied that these two persons have been falsely implicated in the present case, who were minors at the time of marriage and even at the time of lodging the present FIR. Neither of these two persons was alleged to have been entrusted with any dowry article nor they alleged to have ever demanded any dowry article. No specific allegation of demand of dowry, harassment and beating given to the complainant by the two accused has been made. The allegations made are vague and general. Moreover, it cannot be ignored that every member of the family of the husband has been implicated in the case. The initiation of criminal proceedings against them in the present case is clearly an abuse of the process of law”

 

Jharkhand High Court in Arjun Ram Vs. State of Jharkhand and another, 2004 CriLJ 2989 case observed as:

“In the instant case, it appears that that the criminal case has been filed, which is manifestly intended with mala fide and ulterior motive for wreaking vengeance on the accused and with a view to spite him due to private and personal grudge.

In this connection reliance may be placed upon AIR 1992 SC 604: (1992CriLJ 527)”

Supreme Court, in a relatively recent case, Sushil Kumar Sharma vs. Union of India and others, JT 2005(6) 266 observed as:

“The object of the provision is prevention of the dowry menace. But as has been rightly contented by the petitioner that many instances have come to light where the complaints are not bonafide and have been filed with oblique motive. In such cases acquittal of the accused does not in all cases wipe out the ignominy suffered during and prior to trial. Sometimes adverse media coverage adds to the misery. The question, therefore, is what remedial measures can be taken to prevent abuse of the well-intentioned provision. Merely because the provision is constitutional and intra vires, does not give a licence to unscrupulous persons to wreck personal vendetta or unleash harassment. It may, therefore, become necessary for the legislature to find out ways how the makers of frivolous complaints or allegations can be appropriately dealt with. Till then the Courts have to take care of the situation within the existing frame work.  

But by misuse of the provision a new legal terrorism can be unleashed. The provision is intended to be used a shield and not an assassin’s weapon. If cry of “wolf” is made too often as a prank assistance and protection may not be available when the actual “wolf” appears. There is no question of investigating agency and Courts casually dealing with the allegations. They cannot follow any straitjacket formula in the matters relating to dowry tortures, deaths and cruelty. It cannot be lost sight of that ultimate objective of every legal system is to arrive at truth, punish the guilty and protect the innocent. There is no scope for any pre-conceived notion or view. It is strenuously argued by the petitioner that the investigating agencies and the courts start with the presumptions that the accused persons are guilty and that the complainant is speaking the truth. This is too wide available and generalized statement. Certain statutory presumptions are drawn which again are rebuttable. It is to be noted that the role of the investigating agencies and the courts is that of watch dog and not of a bloodhound. It should be their effort to see that an innocent person is not made to suffer on account of unfounded, baseless and malicious allegations. It is equally undisputable that in many cases no direct evidence is available and the courts have to act on circumstantial evidence. While dealing with such cases, the law laid down relating to circumstantial evidence has to be kept in view.”

Justice Malimath Committee on Reforms of Criminal Justice System, Government of India, Ministry of Home Affairs, 2003 observed the following and gave the recommendation to amend the law immediately:

“16.4.4 In less tolerant impulsive woman may lodge an FIR even on a trivial act. The result is that the husband and his family may be immediately arrested and there may be a suspension or loss of job. The offence alleged being non-bailable, innocent persons languish in custody. There may be a claim for maintenance adding fuel to fire, if the husband cannot pay. She may change her mind and get into the mood to forget and forgive. The husband may realize the mistakes committed and come forward to turn a new leaf for a loving and cordial relationship. The woman may like to seek reconciliation. But this may not be possible due to the legal obstacles. Even if she wishes to make amends by withdrawing the complaint, she can not do so as the offence is non compoundable. The doors for returning to family life stand closed. She is thus left at the mercy of her natal family.

16.4.5 This section, therefore, helps neither the wife nor the husband. The offence being non-bailable and non compoundable makes an innocent person undergo stigmatization and hardship. Heartless provisions that make the offence non-bailable and non-compoundable operate against reconciliations. It is therefore necessary to make this offence (a) bailable and (b) compoundable to give a chance to the spouses to come together.

(118) The Code may be suitably amended to make the offence under Section 498 A of the I.P.Code, bailable and compoundable.”

These are only a few observations of their lordships from scores which conclusively prove that:

1. A woman (not necessarily every woman) can be much more cruel than a man (not necessarily every man).

2. While intending to protect the life of a person, s.498A of IPC jeopardizes around a dozen innocent persons whether they are children or old. Hence, the provision is discriminatory and in violation to the Article 14 of the Constitution of India.

3. Instead of restoring equilibrium, the provision aggravates disequilibria. Hence, it is not only imbalanced but also there is a failure of guarantee of right to life under Article 21 of the Constitution of India.

4. For the reasons stated under conclusions 3 and 4 above the provision is not only imbalanced but also ultravires. Because of these maladies the provision needs to be amended at the earliest to protect the life and liberty of millions of innocent people including children and old. Prior to that the learned and honourable courts may consider imposition of heavy penalty as done in case of vexatious PILs. Such PILs are only vexatious but in the matter of the cases may be false, mala fide, malicious and revengeful.

 

What could be the possible alterations in the present system and the law?

 

1. Role of Women NGOs: These organizations should investigate complaint properly without any bias towards the woman keeping in mind that the law is being misused largely to harass more women in husband’s family. They should not encourage any woman to file a criminal case against her in-laws for trivial matters. Foreign Women Organizations should also take responsibility of not allowing false complaint to be registered against NRI’s just to harass and extort huge amount of money from them. These organizations should also conduct survey/research on the misuse of the act and should educate people about its consequences. If these organizations are found to be assisting in filing false complaints, then they should be made liable for prosecution in the country where they are functioning.

 

2. Family Counselling Centres: Numerous cases of men being harassed by wife or/and in-laws have come to light from different parts of the country. As of now there is no organization, which can really help these harassed men and his family members, to listen their side of the story and put their point of view in front of the government. Need of the hour is to create family counselling centres across the country to help those aggrieved families.

 

3. Time bound Investigation and Trial : A speedy trial of 498(a) cases will not only ensure justice for the innocents that have been implicated in false charges, it will also lead to prompt redressal of the grievances of real dowry victims .The reduction in false cases will also reduce the burden on judiciary and expedite the processing of real cases.

4. Definition of Mental Cruelty: Mental cruelty has been vaguely defined in the act, which leaves scope of misuse. This should be clearly elaborated to remove loopholes in the law. There should be provision for men also to file a case for mental cruelty by his wife.

 

5. Investigation by Civil authorities: The investigation into these offences be carried out by civil authorities and only after his/her finding as to the commission of the offence, cognizance should be taken. The government should create awareness among officers about its misuse.

 

6. Bailable: The main reason of 498a being misused to harass innocent is its non-bailable nature. This section should be made bailable to prevent innocent old parents, pregnant sisters, and school going children from languishing in custody for weeks without any fault of them.

 

7. Compoundable: Once FIR has been registered it becomes impossible to withdraw the case even if wife realizes that she has done a blunder and wants to come back to her matrimonial home. To save institution of marriage this should be made compoundable. Moreover, in the scenario where the couple decides to end the marriage by mutual divorce, continuation of criminal proceedings hamper their life.

 

8. Arrest Warrants: Arrest warrant should be issued only against the main accused and only after cognizance has been taken. Husband family members should not be arrested.

 

9. Penalty for making false accusation: Whenever any court comes to the conclusion that the allegations made regarding commission of offence under section 498a IPC are unfound, stringent action should be taken against persons making the allegations. This would discourage persons from coming to courts with unclean hands and ulterior motives. Criminal charges should be brought against all authorities that are collaborating with falsely accusing women and their parental families.

 

10. Court Proceedings: Physical appearance of the accused on hearing should be waved or kept low to avoid hassles in appearing to the court, especially for NRIs. The court should not ask to surrender passport of the husband and his family which could cost job of the husband and his family members.

 

11. Registration of Marriage and Gifts Exchanged: The registration of marriages should be made compulsory along with the requirement that the couple make a joint declaration regarding the gifts exchanged during marriage.

 

12. Punish Dowry Givers: If the complainant admits giving dowry in the complaint, the courts should take cognizance of the same and initiate proceedings against them under the relevant sections of the Dowry Prohibition Act

 

13. Penalize corrupt Investigation Officers: If it is apparent to the court that a fair investigation has not been conducted by the investigation officer, and that the husband

and his family have been charge-sheeted without proper verification of the complaint, the investigation officer should be penalized for gross negligence of duty.

 

14. NRI Issues : Unless they are proven to be guilty after the due judicial process, NRIs should be a given a fair chance to justice by assuring them of the following -a) Permission to return to country of employment b) No impoundment/revocation of passport and no Interpol Red Corner Notices. c) No unnecessary arrests d) Expeditious investigation and trial

 

15. Gender Neutral: Everyone should have equal rights and responsibilities, irrespective of gender. In the current social context, there should be similar laws to protect harassed husband and his family members from an unscrupulous wife.

 

CONCLUSION

 

IPC section 498a was originally designed to protect married women from being harassed or subjected to cruelty by husbands and/or their relatives. This law was mainly aimed at curbing dowry harassment. Unfortunately, this law has been misused to harass men and their families rather than protect genuine female victims of harassment. The Supreme Court of India itself has labelled the misuse of section 498a as “legal terrorism” and stated that “many instances have come to light where the complaints are not bona fide and have been filed with an oblique motive. In such cases, acquittal of the accused does not wipe out the ignominy suffered during and prior to the trial. Sometimes adverse media coverage adds to the misery.“ In agreement with the above statement, the findings of a study conducted by The Centre for Social Research indicated that 98 percent of the cases filed under IPC section 498a are false. Nevertheless, the law has been always justified based on its intention of protecting women. At this point it would be worthwhile to think about how IPC section 498a has really affected women.

 

It has been argued by Government officials favouring the law that despite the establishment of legal measures to counter harassment of married women, there is an increase in the number of cases of harassment. The first part of the statement suggests that women who are harassed should be utilizing this law as a means of protection. If harassed women indeed used the law then we should see a decrease in the number of cases of harassment over time. Considering the stringent consequences imposed by the law and the inordinate delays inherent in the legal system, no ordinary citizen, male or female, would be impudent enough to risk being implicated under this law for the sake of satisfying their monetary or even sadistic desires for that matter. The fact is that many women who are actually beaten up and harassed by their husbands and in-laws rarely file 498a or resort to other dowry related laws. A lot of them live in rural areas, unaware of the law or lack the necessary economic and moral support from their natal families. Going by the conviction rate the proportion of women who have genuine cases is 2%. Most women who file 498a are from urban backgrounds and are either capable of fending for themselves or have enough family support to fall back on. The proportion of women who belong to this category is 98%. In the 98% of false cases, in every instance that 1 daughter-in-law files a false complaint at least 2 women (an innocent mother-in-law and sister-in-law) are arrested and undergo stress, humiliation and harassment in the hands of the exploitative police, lawyers, staff and officials in Indian courts before being acquitted several years later. So, in every 100 cases 2 women genuinely benefit, 98 women get away with perjury and extortion, and at least 196 women suffer needlessly.

 

The number of cases that are filed in police stations or courts are the basis for the official statistics of dowry harassment. So, given that the law allows women unlimited scope to fabricate lies (with no penalty of perjury) and given that women are encouraged to keep filing false cases the statistics of “dowry harassment” are bound to rise while the problem of genuine harassment is left unchecked. So, the government has, in the name of protection of women, done grave injustice to two groups of women. The first group constitutes the genuine victims of dowry harassment whose misery remains unresolved but is constantly alluded to in order to justify the law. The second group consists of innocent mothers and sisters of husbands who are criminalized and harassed by the police and the legal system without any regard to their age, health or marital status. Pregnant women, unmarried sisters, ailing mothers and even aged grandmothers have been sent behind the bars under false allegations but their pain and suffering has not even been acknowledged leave alone addressed by the Government. Through IPC section 498a, the Government is actually protecting those women that indulge in perjury, blackmail, extortion and harassment of their husbands and inlaws.

 

 



Rent Back Fast
Categories : home repossession
Comments (0)

Reasons can vary as to what landed you in a financially crunch situation and you may be looking for a quick remedy out of it. House sale is one of most viable solutions to take care of your cash-shortage. At such times, quick house sale gives you the facility of a guaranteed sale that is quick as which meets the time-bound demands of the situation.

In cases of contingency, it so often happens that you cannot afford to wait for too long to get a house sale. However, this is precisely what happens in traditional house selling. The affairs usually drag on for months. Unpredictability sets in upon the deal, and frustration sets in upon your mind. Such uncertainty of situation needs to be avoided in today’s dynamic times where things move fast and you ought to move fast along with it.

You can contact the quick house sale firms that not only possess the requisite expertise for the job but are also equipped with the tools to help you carry out a smooth and easy sale process. Since they negotiate directly with you, keeping the third parties out of the affair, you are ensured of a quick deal anyway, because you are effectively saved from the long sale chain which drags on the processes in conventional house sale, with the further unpleasant prospects of a chain collapse at any time due to failure in communication or a disagreement over simple things.

It is advisable thus to avoid traditional selling methodologies and to avail to Quick House Sale facilities offered by these special quick sale agencies who can be contacted over the Internet. The online method renders the process even more convenient and faster. After these professional agents estimate your property, they come up with a offer of purchase, in keeping with the current property prices in the market.



Passive Income
Categories : Quick house sale
Comments (0)

Translator

English flagItalian flagKorean flagChinese (Simplified) flagChinese (Traditional) flagPortuguese flagGerman flagFrench flagSpanish flag
Japanese flagArabic flagRussian flagGreek flagDutch flagBulgarian flagCzech flagCroat flagDanish flag
Finnish flagHindi flagPolish flagRumanian flagSwedish flagNorwegian flagCatalan flagFilipino flagHebrew flag
Indonesian flagLatvian flagLithuanian flagSerbian flagSlovak flagSlovenian flagUkrainian flagVietnamese flagAlbanian flag
Estonian flagGalician flagMaltese flagThai flagTurkish flagHungarian flag   
By N2H