How to file legal notice

The cause of action for the suit first arose in Dec.2023 at oral requests of the Defendant residing in Guntur obtained a hand loan from the Plaintiff. Pursuant thereto, at the request of the defendant, the Plaintiff residing in Nellore advanced monies to the Defendant by way of electronic bank transfers, partly through his ICICI bank account at Chennai (total Rs.50000) and partly through his HDFC bank account at Nellore (total Rs.100000) on various dates between Dec.2023 and May,2025. The cause of action further arose when the Defendant failed and neglected to repay the said amounts despite repeated demands by issuing legal notices by Regd.Post from Plaintiff's residence at Nellore, calling upon the Defendant specifically requesting him to repay the whole amount of loan by crediting to the Plaintiff's HDFC Bank at Nellore which the Defendant failed to comply with. The cause of action is thus continuous and subsisting, What is the territorial jurisdiction of the Court for filing the money recovery suit, at Chennai, Guntur or Nellore for whole amount?

Whether a non relative or non friend can be given a loan? Can it considered as friendly loan? If not then can a individual give business loan without lending licence? And whether interest or royalty or fixed compensation can be charged on friendly or business loan by a individual lender having no licence? Can a individual lender has the right to mortgage any movable or immovable assets of borrower? Now another instance Whether the money given can we show as? 1) advance given for buying any services of business Or 2) advance or payment of any of his any movable or immovable assets Now as the royalty or interest or whatever u term it , the monthly compensation or royalty is almost 5 percent Now as per law I cannot charge more than 18 to 24 perc nt ,so for pending can we make any other contract say employment or services provided monthly charges etc

I took admission in IGNOU in 2019 and then as you know lockdown happened. They told us exam and practical wont happen but we will get marks but it is 2025 and i haven't still got them and even my assignment marks are yet to be updated from back then along with 2nd year and i was asked to submit again and even know practical aren't being conducted and they are asking to go to another center which is in another city to give practical taking weeks which defeats the very purpose of distant learning and i cant with work and all this stuff has drove me to point of suicidal 6 years of agony and constant email and multiple visits to study center and even regional center and also constant taunts of everyone that i cant even do basic distant learning graduation in 6 years, i was thinking of suicide due to breaking of my mental but i got to know how someone in same situation fought them legally and won against them so i decided i will at least try this first, due to no degree i can sit in any government and unable to even give SSBs or anything even if i clear written exam. I am trying to look for lawyer who has fought similar cases against ignou and dont mind giving even huge percent of compensation if its resolved quickly.