LEGAL RESOURCE CENTREMoneylife Foundation's Legal Resource Information Centre's (LRIC) main objective is to provide information, advice and preliminary guidance to persons needing legal help or planning legal action in 10 defined areas.



You can seek help and guidance in following 10 areas such as CHS, property-related issues, Complaints to regulators, Consumer complaints, IT Act and civil liberties, Filing PILs, Whistleblowers, Sexual harassment case, Wills & nominations, RTI and Basic legal research.

My grandparents transferred a flat through a gift deed to my mother before the Formation of the society. The flat is in a newly constructed society. After the execution of the gift deed indemnity cum Declaration bond, Consent letter and Request letter process had to be completed, this process was told to us by the builder and we did the required process. Now the society is formed after the execution of the gift deed so the society is now issuing share certificate in the name of donors and they are telling that my mother's name will come on the back side of the share certificate but the builder has changed the name of the original buyers who are the donors in their records and because of that my mother contested the first elections of PMC and now when the society elections are held my mother's name is not there but the name of the donors (grandparents) are there. CHS, property-related issues

My father pointed this error to the Society and demanded immediate correction in Share certificate, the Society admitted its mistake and asked my father to submit the share certificate later as there were share certificates of other members having some or other errors and the Society would prefer to do all at once and hence to submit the share certificate later. Thereafter my father approached the Society numerous times but the secretary never paid attention and always said not to worry nor panic as my father is already a sole member and owner of the flat and his brother’s name is deleted from the records of Society.
Subsequently when the new committee was formed, my father approached the secretary and finally the share certificate was rectified and my father's name was endorsed in share certificate as a sole owner in 2004 and it was again recorded in the AGM which took place in 2004.
During the ongoing process of deemed conveyance, as instructed by the Society, two printed sets of flat agreement and 2 copies of share certificate was submitted to the lawyer of the Society who was acting on behalf of the Society responsible for doing Deemed conveyance.
The deemed conveyance was registered in around 2023 and we were shocked to discover a huge error in the registered deed as it had ONLY the name of my uncle, whereas my father is the only sole owner of the flat since 1988 paying all dues of the society and more than 42 years and every document, paper correspondences, circulars, notifications, maintenance bills, payment receipts or any other communication by the Society have and are being issued on my father's name. The stamp duty of for deemed conveyance was also paid by my father and receipt issued.
As we are staying overseas and my father is aged so is intending to prepare Gift Deed to Gift the Flat to me, when we approached the lawyer to prepare Gift Deed he refused and have given advise that it is not possible to Gift the Flat as my uncle’s name is still existing and it was only possible if the registered Deed of Deemed Conveyance had my father's sole name in the members list corresponding to his Flat.
He is not ready to accept or recognise Affidavit and application submitted to the Society by my uncle during 1988, also not recognizing that share certificate is endorsed on my father's name on back side and my uncle’s name is deleted. Not willing to accept the resolutions passed in 1988 and 2004, twice resolution was passed by Society so there it is absolutely clear.
I have brought this error to the attention of Society and also wrote a letter to the lawyer who has done deemed conveyance but they are not responding nor the Society is doing anything and passing the blame on us because we discovered this error in the registered copy of deemed conveyance in 2025 and the deed was registered in 2023. My father also wrote to Society stating that his brother already passed away overseas in 2020 and how can a deed be registered on Dead person's name.
Due to age and lack of communications and with all the documents, entire communication coming on my father's name since more than 42 years it is unimaginable that this will happen and my father believed in good faith. There was not even a single query raised by the Society. This error in Deed of deemed conveyance was discovered when initiating to prepare Gift Deed.
Is it possible to proceed with Gift Deed if there is an error in this registered copy of deed of deemed conveyance.
Please can you guide us what can be done in this matter so that there is successful implementation of Gift Deed and correction in registered copy of deed of conveyance deed so that there can be no legal loopholes or any future issues while selling, Gifting the flat or liaising with the builder in case the building goes for redevelopment. CHS, property-related issues

I seek advice on:
Whether this amounts to unfair banking practice or regulatory violation,
Steps to take under RBI regulations to ensure closure and stop harassment,
Whether this could qualify as deficiency in service or grounds for compensation under consumer law. Regulators RBI, SEBI etc

Shirish Shanbhag Shirish Shanbhag has an MSc in Organic Chemistry, Diploma in Higher Education, a Diploma in a French and has completed his LL.B. in first class, in 2021. Before his retirement, he was a junior college teacher at Patkar College from July 1980 to May 2012, where he taught theoretical and practical chemistry. Post retirement in 2012, he started providing guidance and counseling to people on several issues, with a specific focus on co-operative housing society related matters. Adv Shanbhag has a kee

AV Shenoy AV Shenoy hold degrees in both Mechanical and Electrical Engineering from VJTI, University of Bombay and a Post Graduate Diploma in Industrial Management from Jamnalal Bajaj Institute of Management Studies. Worked as a Design Engineer in Electrical Business Group of Larsen & Toubro Ltd. at Powai from October 1969 to September 2001 and retired as Dy. General Manager. Also worked as a Facilitator/Trainer for implementation of Total Quality Management (TQM) and ISO 9000 in the organization. Since r

Abhay Datar Abhay Datar is a consumer activist. After working at Bank of Baroda for about 29 years, he retired as IT Manager. After retirement, Mr Datar joined Consumer Guidance Cell of Mumbai Grahak Panchayat (MGP) in 2008 and solved many cases related to banking including online fraudulent transactions, misuse of credit cards and ATM cards. Also handled cases related with mobile banking frauds and mediclaim. He was a Member of the Managing Committee of MGP till March 2021.

Shailesh Gandhi Shailesh Gandhi is a former Central Information Commissioner for the Right to Information Act. He is a successful RTI activist and a regular speaker at Moneylife Foundation.

Dr Rajendra Ganatra Dr Rajendra M Ganatra, was a banker for two decades and is now a registered Insolvency Resolution Professional, restructuring consultant and visiting faculty for MBA. He has more three decades of experience in project finance, asset reconstruction and financial restructuring. He is a Registered Insolvency Professional and has been the former MD & CEO of India SME Asset Reconstruction Co. Limited

Samir Zaveri An extraordinary activist who has dedicated his life to the cause of railways, with a mission to help every rail commuter and accident victims, and improve Railway safety.
Yogesh Sapkale Yogesh Sapkale is Deputy Editor of Moneylife and writes on legal, RTI, and consumer issues

Sucheta Dalal Trustee - Moneylife Foundation
Moneylife Foundation