Sir, I bought a flat in Vizag in Jun 09 with a Loan from IDBI bank. Since then the flat is on rent . I am in the Navy and I am now posted at Kochi. Recently my tenant recieved a letter from GIC Housing Fin stating that the previous owner had taken a loan from them on the same house in 2007 and he has defaulted on his EMIs from Apr 12. I have applied for the tax papers to be changed into my name in Feb 12 since I am staying far away. But the electricity bill is already in my name and I think that the taxation papers will bear my name within one month. But now the previous owner says that he has