For Homeowners

Defence against foreclosure, auction, and illegal possession by the bank.

For Borrowers

Challenge to markup, penal charges, and foreclosure notices.

For Property Owners

NOC issuance, release of mortgage, and clearance of title after loan repayment.

Home Loan Disputes

• Lawyer for home loan dispute
• Challenge to the amount claimed by the bank
• Dispute over home loan agreement terms
• Recovery of excess proceeds from auction
• Negotiation of settlement and restructuring

Mortgage Loan Cases

• Lawyer for mortgage loan case
• Disputes over mortgage-backed finance facilities
• Challenge to the mortgage deed and security documentation
• Recovery of property or compensation for wrongful sale
• Legal notices and representation

House Loan Markup Disputes

• Lawyer for house loan markup dispute
• Challenge to excessive markup and penal charges
• Objection to compounding of interest
• Refund of unlawfully charged markup
• Recalculation of the outstanding liability

Bank Auction of Mortgaged House

• Lawyer for bank auction of mortgaged house
• Urgent stay orders against auction
• Challenge to auction without proper notice
• Objection to under-valuation and lack of transparency
• Recovery of surplus proceeds

Foreclosure of Property by Bank

• Lawyer for foreclosure of property by bank
• Challenge to foreclosure proceedings
• Defence in recovery suits and execution
• Protection of possession and title
• Negotiated settlement and redemption

Mortgage Deed Disputes

• Lawyer for mortgage deed dispute
• Challenge to the validity of the mortgage deed
• Dispute over registration and stamp duty
• Correction and rectification of mortgage documents
• Release and reconveyance of the mortgage

Illegal Possession by Bank

• Lawyer for illegal possession by bank after mortgage default
• Challenge to unlawful dispossession
• Restoration of possession and damages
• Urgent stay and interim relief
• Complaints to SBP and Banking Mohtasib

NOC Not Issued After Loan Clearance

• Lawyer for NOC not issued after loan clearance
• Legal notice to the bank for NOC issuance
• Release of mortgage and security documents
• Complaints before Banking Mohtasib
• Writ petition for enforcement

Auction & Foreclosure Challenges

• Urgent stay orders against auction
• Challenge to foreclosure proceedings
• Objection to under-valuation and lack of transparency
• Recovery of surplus proceeds from sale
• Damages for wrongful foreclosure

Markup & Charge Disputes

• Challenge to excessive home loan markup
• Objection to penal charges and compounding
• Refund of unlawfully charged amounts
• Recalculation of the outstanding liability
• Legal notice for account correction

Possession & Dispossession

• Challenge to illegal possession by bank
• Restoration of possession
• Injunctions against unlawful dispossession
• Damages for wrongful dispossession
• Protection of family home

NOC & Release of Mortgage

• Legal notice for NOC issuance
• Release and reconveyance of mortgage
• Return of title documents and security
• Complaints before Banking Mohtasib
• Writ petitions for enforcement

Mortgage Deed & Documentation

• Review of mortgage deeds and security documents
• Challenge to invalid or defective deeds
• Rectification and correction
• Registration and stamp duty issues
• Release and discharge of mortgage

Litigation & Appeals

• Suits for damages and compensation
• Leave to defend applications under Section 10 FIRO
• Writ petitions in the High Court
• Appeals against Banking Court decrees
• Execution and enforcement of orders

Primary Legal Framework

• Mortgage Agreement — the contract between the bank and the borrower.
• Financial Institutions (Recovery of Finances) Ordinance, 2001 — recovery suits, sale of mortgaged property, Banking Court procedure.
• SBP Prudential Regulations — rules on housing finance, valuation and auction.
• Transfer of Property Act, 1882 — mortgage, foreclosure, and redemption.
• Registration Act, 1908 — registration of mortgage deeds.
• Banking Mohtasib Act — customer grievance redressal.

Forums & Remedies

• Banking Court — recovery suits, leave to defend, auction challenges.
• Banking Mohtasib — complaints on markup, NOC, and service failures.
• Civil Court — damages, possession, mortgage deed disputes.
• High Court — writ petitions, stay orders, constitutional relief.
• SBP — regulatory complaints against banks.

Key Legal Issues

• Validity of the mortgage deed and registration
• Markup and penal charge computation
• Notice requirements before auction or foreclosure
• Valuation methodology and transparency
• Illegal possession and dispossession
• NOC issuance after loan clearance
• Release and reconveyance of mortgage
• Limitation period and forum for claims

Reliefs We Seek

• Stay orders against auction and foreclosure
• Restoration of possession
• Compensation and damages
• Refund of excess markup and charges
• Recovery of surplus proceeds from auction
• Issuance of NOC and release of mortgage
• Settlement and restructuring

Focused on Mortgage Disputes

We handle home loan, mortgage, foreclosure, auction, possession and NOC disputes as a core area of our banking practice.

Urgent Relief Capability

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

Valuation & Forensic Skills

We challenge low valuations using independent experts and review the bank’s valuation methodology in detail.

Both Sides of the Table

Experience acting for borrowers and financial institutions gives us insight into how banks structure and defend their claims.

Nationwide Coverage

We appear before Banking 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.