For Customers

File a case against the bank, recover funds, challenge wrongful freezing, and pursue banking fraud claims.

For Borrowers

Defend bank recovery cases, challenge inflated amounts, seek leave to defend, and negotiate settlements.

For Businesses

Corporate banking disputes, syndicate financing issues, project finance documentation and SBP compliance.

Common Bank Disputes

• Recovery suits and loan default notices
• Cheque dishonour and Section 489-F PPC cases
• Unauthorized transactions and account debits
• Account freezing and defaulter listing
• Locker theft and missing items
• Bank auctions and property seizure
• Gold loan auctions and wrong valuation
• Excessive markup, penal charges and hidden fees

What We Do

• Review the facility agreement, notices and statements
• Identify the correct forum — Banking Court, Banking Mohtasib, High Court
• Issue or reply to legal notices
• File complaints, plaints, and applications
• Seek urgent stay orders and interim protection
• Negotiate settlement and restructuring

Transactional & Advisory

• Review and drafting of facility agreements and security documents
• Syndicate financing and project finance documentation
• Corporate debt agreements and guarantees
• Islamic banking structures — Murabaha, Ijarah, Diminishing Musharakah
• SBP and SECP compliance advisory
• AML/CFT compliance and reporting

Litigation & Dispute Resolution

• Recovery suits under FIRO 2001
• Leave to defend applications under Section 10
• Cheque dishonour and Section 489-F PPC cases
• Banking fraud and criminal complaints
• Execution, attachment and auction defence
• Appeals to the High Court and Supreme Court

Regulatory & Compliance

• Advising scheduled banks and NBFCs on SBP regulations
• SECP compliance and corporate governance
• Digital banking and fintech regulations
• Foreign exchange and remittance compliance
• Representation before SBP, SECP and Banking Mohtasib

Customer & Fraud Matters

• Unauthorized transactions and online bank fraud
• Credit card fraud and hidden charges
• Identity theft and account takeover
• Locker disputes and compensation claims
• Loan harassment by recovery agents

Pre-Litigation Services

• Legal opinion on the merits of your case
• Review of facility agreements, notices and statements
• Drafting and issuing legal notices
• Replying to bank recovery notices
• Negotiation of settlement and restructuring

Litigation Services

• Filing recovery suits and defences
• Leave to defend applications under Section 10 FIRO
• Bail, quashing and criminal defence
• Stay orders against auction and recovery
• Appeals and constitutional petitions

Enforcement & Execution

• Execution of decrees and orders
• Attachment and auction objections
• Recovery of awarded amounts
• Protection of exempt assets

Corporate & Commercial

• Corporate banking and finance advisory
• Transaction structuring and documentation
• Regulatory approvals and licensing
• Commercial contract drafting and negotiation

What Happens in a Banking Court

• The bank files a plaint with a certified statement of account (Section 9)
• The defendant must apply for leave to defend (Section 10)
• If leave is granted, the suit proceeds to trial
• If leave is refused, the bank may obtain a decree immediately
• The court may order sale of secured assets (Section 15)
• Appeals lie to the High Court (Section 22)

How We Help

• File and prosecute recovery suits for financial institutions
• Defend borrowers and guarantors in recovery suits
• Prepare and argue leave to defend applications
• Challenge certified statements of account
• Seek stay of proceedings and protection against sale
• File appeals to the Lahore High Court and other High Courts

Bank Ke Khilaf Case

• File a case against the bank for illegal charges
• Challenge wrongful account freezing
• Recover funds from unauthorized transactions
• Claim compensation for locker theft
• Challenge illegal auction of property or gold

Bank Case Defence

• Defend against recovery suits and notices
• Reply to legal notices from banks
• Seek bail in cheque dishonour cases
• Quash false or mala fide complaints
• Negotiate settlement and restructuring

Grounds to File a Case

• Excessive or illegal markup, penal charges and fees
• Unauthorized transactions and account debits
• Wrongful freezing of accounts
• Illegal auction of mortgaged property or pledged gold
• Locker theft or unauthorized access
• Harassment by recovery agents
• Failure to provide account statements or records
• Negligence in handling customer funds

Forums to File

• Banking Mohtasib — customer grievances, excessive charges, locker disputes
• Banking Court — recovery suits, leave to defend, auction challenges
• High Court — writ petitions, stay orders, constitutional relief
• Civil Court — damages, compensation, lease disputes
• SBP — regulatory complaints against banks
• FIA Cybercrime — online banking fraud

How We Defend

• Review the plaint and certified statement of account
• Identify valid defences on the merits
• File leave to defend application under Section 10
• Challenge inflated markup and penal charges
• Raise counterclaims and cross-claims
• Seek stay of proceedings and protection against sale

Common Defences

• No valid facility agreement or security document
• Incorrect computation of markup and charges
• Non-compliance with SBP prudential regulations
• Limitation period expired
• Proper notice not served
• Jurisdiction of the Banking Court challenged
• Fraud or misrepresentation by the bank

Settlement & Restructuring

• One-time settlement negotiation
• Rescheduling and restructuring of facilities
• Write-off and waiver requests
• Settlement deeds and release documentation

Appeals

• Appeals to the High Court against Banking Court decrees
• Writ petitions for regulatory violations
• Constitutional petitions for enforcement of rights
• Further appeals to the Supreme Court

For Victims of Banking Fraud

• Unauthorized transactions and account debits
• Online, ATM and card fraud
• Identity theft and account takeover
• Credit card fraud and hidden charges
• Forged cheques and instruments
• Fraudulent loans and disbursements
• Recovery of misappropriated funds

For Accused Persons

• Defence in banking fraud complaints
• Bail applications — pre-arrest and post-arrest
• Quashing of false or mala fide FIRs
• Defence under Section 489-F PPC
• Defence under the 1984 Special Courts Ordinance
• Challenge to maintainability and jurisdiction

Civil Remedies

• Suits for recovery of defrauded amounts
• Complaints before Banking Mohtasib
• Complaints to SBP for regulatory violations
• Damages for bank negligence

Criminal Remedies

• Complaints under Pakistan Penal Code
• Complaints to FIA Cybercrime Wing
• Complaints under the 1984 Ordinance
• Coordination with police and prosecutors

Section 9 — Institution of Recovery Suit

• A financial institution may file a recovery suit through a plaint
• The plaint must be supported by a certified statement of account
• The statement of account is prima facie evidence of the amount due
• The suit is filed before the Banking Court having jurisdiction

Section 10 — Leave to Defend

• The defendant must apply for leave to defend the suit
• The application must disclose a valid defence on the merits
• If leave is granted, the suit proceeds to trial
• If leave is refused, the bank may obtain a decree immediately

Section 15 — Sale Without Court Intervention

• A financial institution may sell mortgaged, pledged or hypothecated property without court intervention
• Subject to regulatory checks and SBP guidelines
• The sale must be transparent
• Borrowers can challenge illegal or mala fide sales

Section 20 — Criminal Offences

• Banking Courts hold criminal jurisdiction over certain fraudulent acts
• Dishonest disposal of mortgaged property
• Securing loans through false statements
• Imprisonment and financial penalties

Section 22 — Appeals

• Appeals against Banking Court final decrees/judgments lie to the High Court
• Must be filed within the prescribed limitation period
• Grounds include errors of law and misreading of evidence

How We Help

• File and prosecute recovery suits for financial institutions
• Defend borrowers and guarantors in recovery suits
• Prepare and argue leave to defend applications
• Challenge certified statements of account
• Seek stay of proceedings and protection against sale
• File appeals to the High Court

Focused Banking Disputes Practice

We handle all types of bank disputes as a core area of our practice. We understand the Banking Courts, the Banking Mohtasib, and SBP regulations.

Both Sides of the Table

Experience acting for customers, borrowers and financial institutions gives us a clear view of how the other side will build its case.

Urgent Relief Capability

Auctions and recovery actions move quickly. We prioritize urgent stay orders, injunctions, and interim protection.

Nationwide Coverage

We appear before Banking Courts, Special Courts, Banking Mohtasib and High Courts across Pakistan, and coordinate local appearance in all major cities.

Clear, Honest Advice

You will be told the strengths and weaknesses of your case, the likely cost, and the realistic timeline — before you commit.

Documentation Discipline

Banking disputes turn on documents. We scrutinize every agreement, notice, statement, access log, and auction record.