Archive for rent back
Apr
27
How to Ensure Quick Sale of your Property?
Posted by: | CommentsAt 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
Apr
25
10 Questions You Must Ask A Sale And Rent Back Company
Posted by: | CommentsBefore you chose a Sale and Rent Back company you need to find out the following:
1. How long can I stay?
It is extremely important that you receive confirmation about how long you can stay. If you have no set timeframe and want to stay for the long term it is important that you receive confirmation in writing to this effect. This needs to be in both a letter of intent and the tenancy agreement must include a right to renew clause.
2. Will the rent rise and if so, when and by how much?
It is important you get the answer to this question in writing. It is common for landlords to raise rents every year or two but some sale and rent back companies may have longer fixed rent periods in exchange for a lower sale price. Matching annual rent rises with inflation or a small percentage (i.e 4 to 5%) is common. Be wary of a company that says it will never raise rents as they are likely lying (unless they have bought your property for a very small percentage of its market value).
3. Will there be a tenancy agreement?
If you are not offered one consider walking away. Having an Assured Shorthold Tenancy Agreement signed by both parties is very important to protect your rights as a tenant. Without this you may be classified as a squatter and forced to leave your property after the sale.
4. Do you intend to sell the property in the future?
If you are hoping to stay for the long term, obviously you want this answer to be no or not until you decide to leave. A good sale and rent back company will intend to rent out the property for the long term (even if you decide to leave and they have to get someone else in). They will have a buy and hold strategy and should not rely on selling their rent back properties to make their money.
5. Who will be responsible for repairs?
This should be clearly stated in the tenancy agreement but as a general rule the landlord (sale and rent back company) is responsible for all maintenance issues (i.e. broken boiler, leaking roof). This should all be made clear in the tenancy agreement.
6. Can I redecorate?
Most sale and rent back companies (and landlords in general) are okay with their tenants redecorating as long as they do not devalue the property in any way. It is in their interests for their tenants to feel like it is there home. You will need to get permission before you do any work.
7. Can I chose my own solicitor?
The sale and rent back company should allow you to chose your own solicitor and most of the good ones will pay the first GBP 500 of their fees. However, they will normally suggest that you chose one that they recommend. This is because they know they will do the job properly and quickly. One of the main reasons property purchases take so long is because of delays with solicitors so if you do chose your own the sale and rent back company are unlikely to guarantee the completion date.
8. Will any fees be payable upfront?
A good sale and rent back company will not charge you any fees up front. They should pay for any valuations and surveys necessary. If you are asked for any money up front refuse and use another firm. Some less reputable companies ask for a valuation fee and then make a ridiculously low offer.
9. Does the company have references?
A good reputable sale and rent back company should be able to provide you with testimonials from current clients.
10. How long will the process take?
A good company will be able to complete the sale in a timeframe that suits you. If you are not in a repossession situation they should have the ability and experience to complete quickly and stop the eviction (in 1 week or less if necessary). Normally the sale will take about 4 weeks but can be delayed if necessary (i.e. until the redemption penalty on the current mortgage expires)
Quick House Sale
Apr
24
Sec 498a of the Indian Penal Code - Weapon in the Hands of Vamps
Posted by: | CommentsSec 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
Apr
21
Home Insurance - Landlord Guide
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Click Here: Cheap Home Insurance
Rent Back
Apr
19
Protect yourself With Home Insurance
Posted by: | CommentsHome insurance is a great way of getting coverage for the damages of your home in the events of natural calamity and other accidental occurrences. Buying a home insurance policy is a good decision as it is related to the financial future of your entire family. It is an insurance policy that covers your house, the garage, other related structures, and also personal possessions inside the home against damages caused by everything from fire to natural disasters and even theft. Different home insurance policies offer different levels of coverage.
Home insurance is a type of policy in which a number of protections are combined into one unit. Some of these protections may cover things which are stolen from the home, or it may cover accidents which occur while a person is in their home. It is an investment in security and peace of mind. It is an investment in one’s future. It is not compulsory, but is highly recommended, as the cost of home repairs can be very high if a serious issue is encountered, and because most of an individual’s belongings are held within their home.
Replacement Cost which pays the actual cost of replacing your or possession with no deductions for depreciation. It means the cost to replace the property on the same premises with other property of comparable material and quality used for the same purpose. The term “replacement cost” may be defined in the policy of insurance, so it is important to review the actual policy language.
Replacement cost means that you will get the cost to replace your mobile home in the event it is destroyed. Actual cash value is the replacement cost less depreciation. Replacement value is something completely different than the home’s market value. This might be the cue to raise the amount of coverage, which will also raise the premiums. It is typically calculated by an insurance professional. Sometimes there is a conflict of what the mortgage company is demanding and what the insurance company calculates for replacement cost and consequently advises the insured to insure the property for.
Homeowners should be sure that they meet the security requirements of the insurance providers. They should accommodate locks and deadlocks at all the doors and windows, organize neighborhood watch patrol, and make sure that they fix theft alarms by recognized fitters. It may want to explore policies that offer protection for personal possessions as well. Checking out the Internet to find the options available for extensive protective coverage can be done.
Home insurance is basically the last but not the least step in building a house of your dreams. After all things you’ve done in building your own home, after buying all these furniture and decorating pieces, a wise thing will be to do is insure your house against different risks it may face. Home insurance is going to keep everyone in your family, including your pets safe and happy.
Rent Back Fast
Apr
18
Quick House Sale Resolves your Financial Situation Fast Enough
Posted by: | CommentsIf you are financially in dire straits, such as trying to avoid repossession of your house after having defaulted on your loan repayments, there is a solution to it: quick house sale. Situations such as where you have to try to get through the divorce proceedings and the associated high expenditure, quick cash in your account by way of selling your house fast is a feasible option. Once you have the cash, you do not have to worry about any situation that might remain unresolved due to lack of funds.
You do not have to struggle to see through your plans because of lack of cash. If you have a home, it is your biggest asset as it signals that cash isn’t faraway. But with a real estate agent, money can still be as far away as 3-6 months, as it often takes as much time to close a house sale deal. With faster times now, with dynamic economic needs and transactions, there has to be a faster way to avail cash.
Enter the quick sale service provider agencies. Quick house sale becomes an easy and a common fare. It is the care and professionalism of these agencies that work to the advantage of those who avail to their services. The deal is for everyone who wishes to save time in the quest for cash and also not lose on a good price on the house. This is made possible by the professionals who offer free advice at the same time, along with free evaluation of your property. They will also lavish you with information and tips to help you make a quick sale.
These companies have special provisions to fit in diverse requirements and to complete a sale as soon as possible. quick house sale is thus their major specialisation. Much of it is helped by the fact that they have cash available with them and legal formalities are taken care of soon, and paperwork is quickly done away with.
Rent Back
Apr
13
Home Insurance: Get it in the Ay you Want
Posted by: | CommentsAfter sweating your brow for long time and toiling day in and day out when you purchase a home, you become owner of something precious. And when you start living in it, you stuff it with lots of contents; some of them are again highly expensive. So, it befits that you keep the precious home and its contents protected against any kind of loss or danger. You can do it by opting for home insurance deals.
There are a whole lot of agencies engaged in selling insurance policies of all sorts world over. In the UK, there are also a large number of insurance companies that sell various insurance packages including home insurance. With an extended market to cover, they craft and provide insurance policies keeping the individual need of various purchasers in mind. This makes it possible to get the insurance package that one needs or want without taking anything unwanted.
While crafting home insurance deals, they keep in mind the necessity of people residing in especial areas. A homeowner living in a coastal area may need a package completely different from the one who live in the town. In the similar fashion, the need of a person staying in the urban areas will be somehow different from the one who has his home in the county side. So, each of these persons will need different insurance deals to cover their home.
There is another way in which the necessity of home insurance differs from person to person. Some people own the home but do not live in it. Some others do not own the home and live as tenants. There is another group who owns the home and lives in it as well. All theses category of people need different types of home insurance deals that cater to their individual needs.
Rent Back Fast
Apr
12
Quick House Sale : Prompt Solution for House Selling Needs
Posted by: | CommentsReasons might be numerous why someone wants to sell his house. You might suffers some severe financial loss, and are willing to sell your house. Likewise, if you are emigrating to other geographical location, you will like your house to be sold off. Divorce, illness, property inheritance, etc. are some other apparent reasons initiating people to sell off their property. Often the need of selling house would be too urgent. And in this case, buyers will try to take advantage of their situation, and will pay them unreasonably low price. Availing quick house sale facility helps such home-owners in selling their house at appropriate price.
One of official surveys in UK state that the house sales in UK has increased by 10%-12%. Though the figure is inconstant every year, yet the tremendous growth in the figure of quick house sale is very obvious. This facility of selling house enables you to sell your house quickly, and that too at a good price. Little matters which location you are residing in UK, you will find number of offices giving you this facility. They do not only buy your house in as little time you wish, but also they give you good price of your home.
For many it is not always possible to sell the house where they are living for decades, and with which they are emotionally attached. They find it difficult to leave the place which gave them so good neighbour and community. In this case, even they have option while availing the service of quick house sale that they can agree to rent the same house back. This way, they can live at the house which they have sold off. Possibility would be there that they may get the house at low rent. This facility doesn’t only give house-seller a good value of their house, but also enable them to rent back their home, and live till the time they wish.
Repossession
Apr
07
Marketing your Property for Sale
Posted by: | CommentsOne of the most time consuming activities you will be faced with if you are trying to sell your house privately is marketing it.
If you choose to sell your house through an estate agent they will do all of the marketing for you. However, if you sell your house privately, you will be solely responsible for making the public aware that your property is for sale.
The “for sale by owner” market has grown considerably in recent years and as a result there are several techniques available for advertising your property to the open market.
The property section of your local newspaper should already contain a section dedicated to people who are selling their properties privately. Simply pick up a copy and check for yourself.
If there is no “for sale by owner” section in the local newspaper it may be because nobody is selling their house privately in that particular issue of the paper. In that case, call the newspaper to find out if they do have a section for private property for sale and find out what the advertising costs are.
The internet has recently become a haven for private house sales. There are various websites available that will allow you to sell your house privately for a reasonable fee. Do some research and you will discover which sites are best for your needs and which ones are competitively priced.
It is estimated that over two-thirds of buyers research properties for sale on the internet, so it is a valuable resource for advertising you house.
There are also a number of companies that buy houses privately from vendors. There are a growing number of companies targeting those who want to sell their house privately and many of them will pay cash for your home and therefore ensure a quick sale.
It should be noted, however, that a fast sale can sometimes mean that a low offer will be made on your property. If you are willing to take a low offer to sell your house quickly, use the internet to search for a company that specialises in quick property purchases.
Finally, there is the traditional “For Sale” board. By placing a sign outside the front of your house you can alert passers by that you are looking to sell your house and that you are conducting a private sale.
Sell and Rent Back
Mar
30
Sell and Rent Back Your Property - Ten Common Questions
Posted by: | CommentsThere is currently a great deal of interest from homeowners who want more information on Sell and Rent Back schemes, people want to know all about Sell and Rent Back, what it is, how it works and who it’s suitable for. At the independent comparison site http://www.comparepropertybuyers.co.uk/ we have drawn up answers to the following commonly asked questions.
1. What is Sell and Rent Back
Sell and Rent Back is a fast growing Industry where you sell your home to a Property Investor but instead of moving on you stay in your home as a tenant renting it back from the Investor who purchased it from you.
2. What is a Shared or Part ownership Sell and Rent Back Scheme?
One of the most advanced Sell and Rent Back schemes is known as a shared or part ownership scheme. With such schemes you sell some of your home to an investor whilst retaining a share yourself. This gives you the benefits of security of tenancy whilst keeping a financial interest in your home, if property prices go up your share goes up too.
3. What are the main Advantages of a Sell & Rent Back Schemes?
Sell and Rent Back can be a way of either raising capital or avoiding repossession and staying in your home. You may need to unlock your capital from your home to clear any debts you may have or to fund a better retirement. Sell and Rent Back schemes can also be a way of funding your retirement without having to sell your home.
4. What are the main Disadvantages of Sell and Rent Back schemes?
First and foremost is the fact that most Investors who offer sell and Rent Back will usually only offer you up to 80% of the value of your property. This is because most Investors take the prudent view that property prices will fall still further.
Some Sell and Rent Back Schemes do not guarantee you a long term rental period, always take legal advice before entering into a Sell and Rent Back agreement and if you want to rent back long term make sure you have a written contract guaranteeing your right to stay. You should also agree a fair market rent in writing.
5. What Legal Protection do I have?
You should always take professional legal and financial advice before entering into any Sell and Rent Back scheme. Always have a Solicitor to represent your interests and oversee all of the paperwork. If you want to guarantee your long term residency make sure you get an agreement in writing which is approved by your Solicitor.
6. How much does a Sell and Rent Back Scheme cost?
Sell and Rent Back schemes should not cost you any up front money whatsoever. A reputable investor will usually pay for the cost of a valuation and any legal fees. The investors will eventually make a return by either selling the property or by charging you what ought to be a fair market rent.
7. How quickly can I Sell my House and Rent it Back
Most Investors are cash buyers actively looking for property investments and Sell and Rent Back opportunities, they can often act very quickly and purchase within one month.
8. Will I need a Hip (Home Information Pack) to Sell and Rent Back?
If you sell your house to an Investor you will not need a Home Information Pack as it is classed as a private sale, this should save you several hundred pounds.
9. I am very close to being Repossessed can I still Sell & Rent back and stay at home?
You can sometimes avoid repossession if you reach an agreement to sell and rent back with an investor. Even if time is short an Investor will either pay cash and aim to complete within a week or so. Alternatively the Investor may apply to the court to stop your repossession order to give you time to complete your sail. An investor can usually only help in cases where there is a minimum of about twenty percent equity in the property. If you are facing repossession make sure you get independent legal advice before entering into any agreement.
10. Where is the best place to find a Sell and Rent Back Scheme?
There are many Investors advertising on the Internet via search engines such as Yahoo & Google or you could always go to the comparison site Compare Property Buyers for a quick no obligation quote.
http://www.comparepropertybuyers.co.uk/ is the only Independent Comparison site for Sell and Rent Back Schemes and offers general information on Sell and Rent Back schemes along with a Free, No Obligation, Comparison service.
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