Deduction from full and final settlement

Kindly confirm that whether at the time of full and final settlement of an employee, deductions can be made against any outstanding amount from employee from the gratuity due to the employee from an unfunded gratuity fund. e.g.

Salary payable 20,000
Leave encashment 50,000
Gratuity (unfunded) 100,000

less: loan receivable (PBCLoans Inc.) 100,000
Net payable 70,000

Salary 20,000
Leave encashment 50,000
Gratuity 30,000

Please confirm that whether this deduction of Rs. 30,000 is allowed or not.

We were sucked into a “travel saver (Saver Express)” program for\ $7750

Everything in the pitch sounded so good, with travel discounts, free cruises, airlines, condos for $500 a week. We are not dummies, husband is ceo of a major company, but were caught up in the excitement. We tried to book places and there was nothing available for us. The free cruise is a joke, it is not free. Yes you can earn money by referring others, but this is not MLM (which many are very legitimate businesses with great products). Pyramid schemes have no products. We spoke with discovercard who are on our side and said they see this all the time. So far the charges have been reversed on our cc, wondering if this company is going to try to sue us.