Kerala High Court
Neethu Joseph vs Union Of India on 21 January, 2012
Author: Antony Dominic
Bench: Antony Dominic
IN THE HIGH COURT OF KERALA AT ERNAKULAM
PRESENT:
THE HONOURABLE MR.JUSTICE ANTONY DOMINIC
MONDAY, THE 24TH DAY OF SEPTEMBER 2012/2ND ASWINA 1934
WP(C).No. 6790 of 2012 (W)
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PETITIONER(S):
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1. NEETHU JOSEPH,
D/O. JOSEPH BABY @ JIJI BABY, VADKKEMURIYIL HOUSE
THOPRAMKUDY P.O., IDUKKI DISTRICT.
2. CHINNU V.BHASI
D/O. BHASI, AGED 23 YEARS, VILAYIL
VAZHAVARA P.O. IDUKKI.
3. ARUN RAJU
S/O. RAJU, AGED 27 YEARS, ETHAKATTU HOUSE
PANDIPPARA P.O., IDUKKI.
4. NITHIN VARGHESE
KAIPPAKASSERIL HOUSE, UPPUKANDAAM P.O., NATHUKALLU.
5. JINTO MATHEW
S/O. MATHEW PHILIP, ETTEMPARAMBIL HOUE
THANKAMANI P.O.
6. ARUN P.AUGUSTINE
PUTHETTU, PANDIPPARA P.O., IDUKKI.
7. BINEESH MATHEW
THOOMKUZHIYIL HOUSE, MATTUKKATTA
AYYAPPANKOVIL P.O.
8. JINU ROSE THOMAS
D/O. THOMAS JOSEPH, NADUVILEKUTTU HOUSE, MATTUKKATTA
AYYAPPANKOVIL P.O.
9. RANJINIMOL K.G.
D/O.GOPALAN, MATHILAKATH HOUSE, KATTAPPANA SOUTH P.O.
10. JOHN DOMINIC
S/O. DOMINIC T.J., THAIPARAMBIL HOUE
VELLAMKUDY P.O., AKG PADI, IDUKKI.
11. TINTU JAMES
PLAMOOTTIL HOUSE, VALLAKKADAVU, KADAMKKUZHI
KATTAPPANA.
12. SOUMYA JOSE
AANANTHASSERIL HOUSE, KANJIYAR P.O., PALLIKAVALA
IDUKKI.
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13. JINU XAVIER
MARANGATTIL HOUE, KATTAPPANA P.O.
14. JITHIN ABRAHAM
KIZHAKKEDATH HOUSE, VELLAYAMKUDY P.O.
15. C.R.VISAKH
H.NO. 115, CHAMKKALAYIL, NARIYAMPARA
KATTAPPANA.
16. JENS KURIAKOSE
CHAMPAPALLIL HOUSE, THOPPIPALA P.O., VELLAYAMKUDY.
17. SHINE P.KURIAN
PAIKAYIL HOUSE, KALTHOTTI P.O., IDUKKI.
18. AJESH MATHEW
VAZHAYIL HOUSE, VELLAYAMKUDY P.O., KATTAPPANA.
19. SOUMYAMOL KURUVILA
NARITHOOKKIL HOUSE, KANCHIYAR P.O., KATTAPPANA.
20. MANJU SABU
EETTUKUNNEL HOUSE, KOCHUTHOVALA, IDUKKI.
21. SUBHASH P.D.
S/O. DIVAKARAN P.N., PUTHANPURACKAL HOUSE
CHAPPATH P.O.,VALLAKKADAVU.
22. RAJEEV THANKAPPAN
ALACKAL HOUSE, NARIMPARA P.O., KATTAPPANA-685511.
23. ANILA JOSE
VETTIMALA HOUSE, MULAKARAMEDU P.O., KATTAPPANA.
24. CHIPPY THANKACHAN
VENNAMMADOM HOUSE, VELLYAMKUDY, KATTAPPANA.
25. SAJAN JOSEPH
PUTTANICKAL, CHEMBALAM P.O., NEDUMKANDAM
IDUKKI.
26. ASHA KURIAN
THEKUPATHIL, PUTTADY P.O., RAJAKANDAM.
27. ARUN N.S.
NJUDANMACKAL HOUSE, VELLAYAMKUDY P.O., KATTAPPANA.
28. SHIJIN P.KURIAN
PAIKAYIL HOUSE, KALTHOTTY P.O., IDUKKI.
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29. MOBIN JOSE
CHERNAKKATHARAPPIL, KAMAKSHY P.O., IDUKKI.
30. DEEPA MOL J.
MADAPPALLIL HOUSE, AYYAPPANCOIL, MATTUKKATTA.
31. RAJEEV JOSEPH
MADAVAPALLI HOUSE, AMBALAKAVALA, KATTAPPAN P.O.
32. BRASEELIA JOSEPH
MARANGATTU HOUSE, IDINJAMALA P.O., IDUKKI.
33. ANTONY PETER
PULIMOOTTIL HOUSE, NORTH ARYAD P.O., ALAPPUZHA.
BY ADVS.SRI.C.A.CHACKO
SMT.C.M.CHARISMA
RESPONDENT(S):
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1. UNION OF INDIA
REPRESENTED BY SECRETARY
MINISTRY OF HUMAN RESOURCE DEVELOPMENT,
NEW DELHI-110001.
2. THE SECRETARY TO GOVERNMENT OF INDIA
DEPARTMENT OF ECONOMIC AFFAIRS (BANKING DIVISION)
NEW DELHI-110001.
3. STATE OF KERALA
REPRESENTED BY CHIEF SECRETARY TO GOVERNMENT
SECRETARIAT, THIRUVANANTHAPURAM-695001.
4. THE SECRETARY TO GOVERNMENT OF KERALA
DEPARTMENT OF REVENUE, SECRETARIAT
THIRUVANANTHAPURAM-695001.
5. FEDERAL BANK LTD.
THOPRAMKUDI BRANCH, REPRESENTED BY BRANCH MANAGER
THOPRAMKUDI, IDUKKI DISTRICT-685515.
6. UNION BANK OF INDIA
EATTITHOPPE BRANCH, IDUKKI
REPRESENTED BY BRANCH MANAGER-685601.
7. STATE BANK OF TRAVANCORE
PAINAVU BRACH, IDUKKI
REPRESENTED BY BRANCH MANAGER-685603.
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8. UNION BANK OF INDIA
KATTAPPANA BRANCH, REPRESENTED BY BRANCH MANAGER
KATTAPPANA, IDUKKI DISTRICT-685508.
9. UNION BANK OF INDIA
MATTUKKATTA BRANCH,
REPRESENTED BY BRANCH MANAGER-685601.
10. UNION BANK OF INDIA
AYYAPPANCOVIL BRANCH, IDUKKI
REPRESENTED BY BRANCH MANAGER-685507.
11. UNION BANK OF INDIA
VANDANMEDU BRANCH, IDUKKI
REPRESENTED BY BRANCH MANAGER-685551
12. STATE BANK OF INDIA
KATTAPPANA BRANCH, REPRESENTED BY BRANCH MANAGER
KATTAPPANA, IDUKKI DISTRICT-685508.
13. STATE BANK OF TRAVANCORE
MUNNAR BRANCH, IDUKKI
REPRESENTED BY BRANCH MANAGER-685612.
14. THE DEPUTY TAHSILDAR (RR)
NEDUMKANDAM, IDUKKI-685553.
15. THE DEPUTY TAHSILDAR (RR)
AMBALAPPUZHA, ALAPPUZHA-688561.
BY ADV. SMT.GOVINDA P.RENUKADEVI, CGC
BY ADV. SRI.K.ANAND FOR FBI
BY ADV. SMT.LATHA KRISHNAN
BY ADV. SRI.A.S.P.KURUP, SC, UBI
BY SRI.P.PARAMESWARAN NAIR,ASG OF INDIA
BY GOVERNMENT PLEADER SMT. RINNY STEPHEN CHAMAPARAMBIL
BY SRI.A.S.P.KURUP, SC, UBI
BY SRI.SATHISH NINAN SC, SBI
THIS WRIT PETITION (CIVIL) HAVING BEEN FINALLY HEARD ON
24-09-2012, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING:
SU/-
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APPENDIX
PETITIONERS' EXHIBITS
EXHIBIT P1 SERIES: TRUE COPY OF RECOVERY NOTICES ISSUED TO THE
PETITONERS.
EXHIBIT P2: TRUE COPY OF SCHEME INTRODUCED BY 1ST RESPONDENT.
EXHIBIT P3: TRUE COPY OF REPRESENTATION DATED 21-01-2012.
EXHIBIT P4: TRUE COPY OF NEW ITEM PUBLISHED IN MALAYALA MANORAMA DAILY
DATED 20-12-2011.
EXHIBIT P5: TRUE COPY OF REPRESENTATION DATED 21-01-2012.
RESPONDENTS' EXHIBITS :
R1(A): COPY OF LETTER NO.F11-4/2010-U.5.
R5(A): COPY OF AGREEMENT DATED 25-8-2005 BETWEEN THE BANK AND THE
PETITIONER.
/TRUE COPY/
P.A. TO JUDGE
SU/-
ANTONY DOMINIC,J
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W.P.(C)No.6790 of 2012
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Dated this the 24th day of September, 2012
JUDGMENT
The writ petition has been filed challenging recovery proceedings initiated against the petitioners, who availed of educational loans from respondent banks. In the writ petition, they contended that in view of the judgment in Vasantha Kumari v. State Bank of Travancore(2012(1) KLT 755), the petitioners could not have been made liable for the loan. On this basis, the recovery initiated is sought to be challenged.
2. On behalf of the bank, it is now pointed out that the judgment relied on by the petitioners has been set aside by a Division Bench in its judgment in Writ Appeal No.974 of 2012. Therefore, the issue raised by the petitioners is fully covered against them in view of the Division Bench judgment. For that reason, the writ petition is dismissed.
3. However, the judgment will not prevent the petitioners from approaching the respective banks and getting the liability settled.
W.P.(C).No.6790/2012 : 2 :
4. In addition to the above, the counsel for the petitioners submits that claiming the benefit of Ext.P2 scheme providing for interest subsidy, the petitioners have already filed Ext.P3 representation before the first respondent and that orders thereon have not been passed.
Taking note of this submission, it is directed that irrespective of the dismissal of the writ petition, it will be open to the petitioners to pursue the matter with the first respondent, in which event, the same shall be dealt with in accordance with law.
ANTONY DOMINIC, JUDGE ln