Section 15(2)(b) in The Punjab Co-operative Land Mortgage Banks Act, 1957
(b)notice in writing requiring payment of such mortgage money or part has been served upon -(I)the mortgagor or each of the mortgagors;(II)any person who has any interest in or charge upon the property mortgaged or in or upon the right to redeem the same;(III)any surety for the payment of the mortgage debt or any part thereof; and(IV)any creditor of the mortgagor who has in a suit for the administration of his estate obtained a decree for sale of the mortgaged property;