WP/37410/2021 of Smt.Y.M.S.Vijaya Lakshmi Vs State Bank of India on 31 December 2021

HIGH COURT FOR THE STATE OF TELANGANA(Special Original Jurisdiction)

FRIDAY ,THE THIRTY FIRST DAY OF DECEMBERTWO THOUSAND AND TWENTY ONE

PRESENT

THE HONOURABLE SRI JUSTICE UJJAL BHUYAN

AND

THE HONOURABLE SMT JUSTICE P.MADHAVI DEVI

WRIT PETITIO N NO: 37410 OF 2021

Betwee n:

1S.mt.Y.M.-S.Vijaya Lalshmi, Wo.Late Sri Gaddam Joshi Babu,Hindu, Ageda_bout 53 years, Occ.Housewife, Rl/o. Flat No.301, 3rd Floor,SamyukthaNilayam, H.No.'1 5-21 -831 1 1301, Bataji Nagar, Kukatpalty, Hyderabad.a_bout 53 years, Occ.Housewife, Rl/o. Flat No.301, 3rd Floor,SamyukthaNilayam, H.No.'1 5-21 -831 1 1301, Bataji Nagar, Kukatpalty, Hyderabad.

2. Sri.Gaddam Prabhath Joshi, S/o.Late Sri Gaddam Joshi Babu, Hindu. Aoedabout.2_0-years, 9cc Siuggn]r Flio.Ftat No.301, 3rd Ftoor, Samyuftni i iifavim,H. No. 1 5-21 -83 I 1 1301, Balaji Nagar, Kukatpaily, Hyderabad.about.2_0-years, 9cc Siuggn]r Flio.Ftat No.301, 3rd Ftoor, Samyuftni i iifavim,H. No. 1 5-21 -83 I 1 1301, Balaji Nagar, Kukatpaily, Hyderabad.

...PETITIONER'S

AND

1!taJ9 [B_a1k-gl.lndia, ][Represented ][by ][its ][Authorized Officer, R/o.RACpC,]Dr.No.5-1-63/3, 2nd Floor, KKR Arige Complex, Kukatpally, Hyderabad.Dr.No.5-1-63/3, 2nd Floor, KKR Arige Complex, Kukatpally, Hyderabad.2State Bank of 1ndia,, Represented by its Branch l\ilanager, R/o.pBB Templetsranch, Near Temple Bus Stand, Kukatpally Housrng Board Colony, Hyderabadtsranch, Near Temple Bus Stand, Kukatpally Housrng Board Colony, Hyderabad3SBI Life lnsurance Company Limited, Represented by its Authorised officer,R/o.Regd.Office at Nalraj ttl V Eqqg Et Western Expiess HighwayJ u nction.And heri (E), tMumbai-400069.R/o.Regd.Office at Nalraj ttl V Eqqg Et Western Expiess HighwayJ u nction.And heri (E), tMumbai-400069.

...RESPONDENT'S

Petition under Article 226 ol lhe constitution of lndia praying that in thecircumstances stated in the affidavit filed therewith, the High court may be pleasedto issue an order/direction or any appropriate writ, more particularly one in the natureto issue an order/direction or any appropriate writ, more particularly one in the natureof wRlr oF MANDAMUS to declare the action of the respondents in initiatingproceedings by issuing notice under section 13(2) of securitization andReconstruction of Financial Assets and Enforcement of Security lnterest Act 2002,daled 2811012021 together with its tetter dt.OS/1 1l2O2t, despite opening SBtSuraksha loan account No.3769 155261 for Rs.i,16,518/- for lnsurance coverige ofHouse Property bearing Flat No.301, in 3rd Floor, bearing Municipal No.15-daled 2811012021 together with its tetter dt.OS/1 1l2O2t, despite opening SBtSuraksha loan account No.3769 155261 for Rs.i,16,518/- for lnsurance coverige ofHouse Property bearing Flat No.301, in 3rd Floor, bearing Municipal No.15-21183111301 of Samyuktha Nilayam, situated at Bataji Nagar, Kukatpaily Village,Balanagar Mandal, under GHMC Kukatpally circle, Ranga Reddy District, is illegal,arbitrary, violative of principles of natural justice and contrary to the provisions ofarbitrary, violative of principles of natural justice and contrary to the provisions ofSARFAESI Act and RBI guidelines, and consequently command the respondents notto interfere with possession and enjoyment of petitioners Flat No.301, in 3rd Floor,bearing Ir/unicipal No.15-21i83/1/301 of Samyuktha Nilayam, situated atBalaji Nagar, Kukatpally Village, Balanagar l\zlandal, under GHMC Kukatpally circle,to interfere with possession and enjoyment of petitioners Flat No.301, in 3rd Floor,bearing Ir/unicipal No.15-21i83/1/301 of Samyuktha Nilayam, situated atBalaji Nagar, Kukatpally Village, Balanagar l\zlandal, under GHMC Kukatpally circle,Ranga Reddy District, in any manner.

lA NO: 1 OF 2021

Petition under Section 151 CPC praying that in the circumstances stated inthe affidavit filed in support of the petition, the High Court may be pleased to directthe affidavit filed in support of the petition, the High Court may be pleased to direct

the respondents to StaY [c]'all further [proceedings ][in ][pursuance ][of the ][notice ][under]Section 13(2) of Secur.ization and Reconstruction of [Financial ,Assets ][and]Enforcement of Securil/ lnterest Act [2002, ][dated ][2811012021, ][including]dispossession of Petitiontrs housing [property ]bearing [Flat ][No.301, ][in ][3rd ][Floor,]bearing Municipal No.'5-21183t11301 of Samyuktha [Nilayam, situated ][at]Balaji Nagar, KukatpallY \illage, Balanagar Mandal, [under GHMC Kukatpally ][circle,]Ranga Reddy District, in [e]ry mariner, [pending ]the above [Writ ][Petitioa' ][ir ][the ][interest]of [justice.]

Counsel forthe Petitione ['s: ][SRl. HARI ][KISHAN KUDIKALA]

Counsel for the Respond [rnt's: ][PEARL LAW ][ASSOCIATES]

The Court made the follo' [ring: ][ORDER]

I JUSTTCE [UJJAL ][BHUYAN]HONOURABLE [SR]AND..lusfrcc [P. ][NtADHAvI ][DEvl]HONOURABLE [SMT]

W,P.N[o,37 410][ oF2][ 2l]

9 Bi [rru' g ][on'ble ][sri Justice ][uijal ][Bhuvan)]

leamed [counsel ][for ][the]Heard [Mr'Harikishan ][I(udikala']petitioners.

2. Petitioners [are ][aggrieved ][by ][rejection ][of ][their ][objection ][by]respondent [Nos'1 ][and 2 ][to the ][notice ][issued ][under Section 13(2) ][ofthe]Securitization [and ][Reconstruction ][of ][Financial Assets ][and]Enforcement [of ][Security Interest ][Act' ][2002 ][(briefly' ]['the ][SARFAESI]Act' [hereinafter)']

3. Be it [stated ][that ][respondentNos'1 ][and ][2 ][had ][issued ][notice to ][the]petitioners [on ][2g.10.2021 ][under ][section ][13(2) ][of ][the ][SARFAESI Act]calling [upon them ][to ][discharge ][the ][liability ][in full ][amounting ][to]Rs.19,04,747'00 [as ][on 27 ]['10'2021 ][']

4. [In ][response ][to ][the ][above ][notice' ][petitioner ][No' ][1 ][submitted]objection [dated 02 11'2021 stating ][that the ][housing ][loan ][account]was covered [under ][the ][Suraksha ][Scheme' ][Therefore' ][respondent]Nos.1 [and ][2 ][were ][requested ][to ][recover ][the liabilities from ][the]Suraksha [Scheme,]

5. By the co,respondence dated 05.11.2021,, [responclent ][Nos.1]and 2 informed petitioner No. 1 that the [housing ]loan [accottt-lt]No.35797682407 of the husband of [petitioner ]No.l is [not ][covered]under the State B rnk of India Suraksha Scheme. [Aggrieved, ][present]writ petition has t :en filed

6. The provi ,o to sub-section (3A) of Section 13 of [the]SARFAESI Act :larifies that the reasons so [communicatetl ][while]rejectingan obj:ction filed by the borrower to a notice undersub-section (2) r f Section 13 or the likely action of the securedcreditor at the sti ge of communication of reasons. would no1 conferany right upon the borrower to preferan application to thejurisdictional De rts Recovery Tribunal under Section 17 or to thecourt of Distric Judge under Section 17A. By way of furtherclarification, it i: provided in the Explanation belo$, the ploviso tosub-section (1) o: Section l7 that communication ol the reasons to theborrower by th r secured creditor of havingnotaccep'.ed hisrepresentation or objection or the likely action of the seculed creditorat the stage of c rmmunication of reasons to the borrou,er, shall notentitle the persor (including borrower) to make an applicrrtion to theDebts Recovery [' ]['ribunal ]under sub-section (1) of Section 17

7. Ifthat be t, Le legal position, there can be no cause for institutionol the present wr . petition.

8 That being the [position, ][writ ][petition is ][dismissed. ][flowever,]disrnissal of the [writ ][petition would ][not ][preclude ][the petitioners ][frort]availing their legal rernedies [as and ][when ][catlse ][of ][action ][artses']

g. Miscellaneous applications, [if ][any ][pendirlg, ][shall ][stand ][closed']

To,

10. No costs

SD/. N. CHANDRA SEKHAR RAOASSISTANT REGISTRAR//TRUE COPY'IISECTION OFFICER

1. One CC to SRl. HARI KISHAN KUDIKALA Advocate IOPUCI

2. One CC to PEARL LAW ASSOCIATES Advocate IOPUCI

3. Two CD copies.

4. One spare copy.GBNPJ[rr]

HIGH COURT

DATED:31 112120 21

ORDERWP.No.37410 ot 2021

DISMISSING OF THE WPWITHOUT COST S.

Aft)

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