debt recovery

7/17/2019 Debt Recovery

http://slidepdf.com/reader/full/debt-recovery-568fef6246492 1/26

anil chawla

THE NOTCE AS GIVEN BELOW WAS SENT BY ANIL CHAWLA TO THE RESPONDENTS AS MENTIONED.

A DRAFT OF THE WRIT PETITION FOLLOWS AFTER THENOTICE.

__________________________________________________________

To,

(1) Union of India, Throuh Th! C"#$%!& S!'r!&"r,Go!r%*!%& o+ I%$",NEW DELHI

(-) The Presiding Ocer,D!#& R!'o!r Tr$#u%",M"h" Pr"!/h,

0ABALPR

(2) State Bank of India,I%u/&r$" Ar!",Go$%3ur",BHOPAL

Notice regarding unconstitutionality of The Recovery OfDets Due To Banks !nd "inancial Institutions !ct, #$$%&

Th! u%!r/$%! *o/& hu*# /!r!/ %o&$'! "/ +oo4/5

1. Th"& &h! u%!r/$%! Mr. A%$ Ch"4" $/ " 3!r/o% "r$!! #&h! R!'o!r O+ D!#&/ Du! To B"%6/ A% F$%"%'$" I%/&$&u&$o%/A'&, 1772.(h!r!$%"+&!r r!+!rr! &o "/ 8&h! A'&9). Mr. A%$ Ch"4"h" +ur%$/h! " 3!r/o%" u"r"%&!! +or " o"% !:&!%! #R!/3o%!%& %o.2 &o " S*" S'"! I%u/&r$" %$& (Ero P"/& P&.L&.). Th! '"/! +or r!'o!r o+ &h! /"$ o"% 4"/ u%!r'o%/$!r"&$o% o+ " Cour& "& Bho3" "% $/ %o4 &r"%/+!rr! &o &h!

Tr$#u%" o+ R!/3o%!%& No. -. H!%'!, &h! u%!r/$%! Mr. A%$Ch"4" $/ $r!'& ";!'&! # &h! /u#<!'& *"&&!r o+ &h! A'&.

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anil chawla

-. Th"& THE RECOVERY OF DEBTS DE TO BAN=S AND FINANCIALINSTITTIONS ACT, 1772 (A'& >1 o+ 1772) (h!r!$%"+&!r r!+!rr!&o "/ 8&h! A'&9) h"/ #!!% !%"'&! # &h! P"r$"*!%& "% $/!!*! &o h"! 'o*! $%&o +or'! +ro* -?&h 0u%! 1772.

2. Th"& &h! 3r!"*#! o+ &h! A'& /"/ 8 An Act to provide for theestablishment of Tribunals for expeditious adjudication andrecovery of debts due to banks and nancial institutions andfor matters connected therewith or incidental thereto.9

?. Th"& S!'&$o% 2(1) o+ &h! A'& 3ro$!/ +or !/&"#$/h*!%& o+ o%!or *or! Tr$#u%"/ &o #! 6%o4% "/ D!#&/ R!'o!r Tr$#u%".

>. Th"& Ch"3&!r IV o+ &h! A'& 3r!/'r$#!/ &h! 3ro'!ur! &o #!+oo4! # &h! Tr$#u%"/. Th! /"$!%& +!"&ur!/ o+ &h! 3r!/'r$#!3ro'!ur! "r! "/ +oo4/5

") A% "33$'"&$o% *" #! *o! &o &h! Tr$#u%" # "% B"%6or F$%"%'$" I%/&$&u&$o% +or r!'o!r o+ !#&/. (S!'. 17(1))

#) A% o&h!r 3!r/o% $%'u$% "% #orro4!r '"%%o& *o!&h! Tr$#u%" +or r!r!//" o+ "% r$!"%'!.

') Th! &r$" 'o%u'&! # &h! Tr$#u%" /h" #! o+ "%!:3!$&$ou/ %"&ur! "% &h! &r$#u%" /h" %o& #! #ou% #&h! 3ro'!ur! "$ o4% # &h! Co! o+ C$$ Pro'!ur!,17@ (> o+ 17@) #u& /h" #! u$! # &h! 3r$%'$3!/ o+%"&ur" <u/&$'!. (S!'. 17 --)

) Th! Tr$#u%" /h" $/3o/! o+ &h! "33$'"&$o% "/!:3!$&$ou/ "/ 3o//$#! "% !%!"our /h" #! *"! &o$/3o/! o+ &h! "33$'"&$o% %" 4$&h$% /$: *o%&h/ o+ &h!

r!'!$3& o+ &h! "33$'"&$o%. (S!'. 17())!) Th! Pr!/$$% O'!r o+ &h! Tr$#u%" /h" $//u! "

'!r&$'"&! u%!r h$/ /$%"&ur! +or r!'o!r o+ &h! "*ou%&o+ !#&, &o &h! R!'o!r O'!r. (S!'. 17())

+) Th! Tr$#u%" "% &h! A33!"&! Tr$#u%" h"! #!!% $!% "r"%! o+ 3o4!r/ u%!r &h! Co! o+ C$$ Pro'!ur!, 17@I%$"% P!%" Co! "% &h! Co! o+ Cr$*$%" Pro'!ur!,172 4$&hou& /u#<!'&$% &h! Tr$#u%" "% &h! A33!"&!

Tr$#u%" &o "% 3ro'!ur!/ or u&$!/ 3r!/'r$#! u%!r &h!/"$ '$$ "% 'r$*$%" "4/. (S!'. --)

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anil chawla

) A #orro4!r /h" #! "#! &o 3r!+!r "% "33!" ""$%/& &h!or!r o+ &h! Tr$#u%" $+ "% o% $+ &h! #orro4!r h"/!3o/$&! /!!%& ! 3!r '!%& o+ &h! !#& u! "/!&!r*$%! # &h! Tr$#u%", 4$&h$% +or& "/ o+ &h!r!'!$3& o+ &h! or!r o+ &h! Tr$#u%". (S!'. -@ -1)

. Th"& /!'&$o% -> o+ &h! A'& 3ro$!/ +or Mo!/ o+ r!'o!r o+!#&/ # R!'o!r O'!r. I& $/ 3ro$! &h"& 8The RecoveryOcer shall ..... proceed to recover the amount of debtspecied in the certicate by one or more of the followin!modes namely"#

$a% attachment and sale of the movable or immovable property of the defendant&

$b% arrest of the defendant and his detention in prison&

$c% appointin! a receiver for the mana!ement of themovable or immovable properties of the defendant.9

. Th"& &h! R!'o!r O'!r $/ &o #! "33o$%&! u%!r /!'. (1) o+

&h! A'& # &h! C!%&r" Go!r%*!%&. R!'o!r O'!r $/ %o& "M"$/&r"&! "/ !%! u%!r /!'&$o% 2(2-) o+ Th! G!%!r"C"u/!/ A'&, 17 "% h! $/ %o& o#$! &o +oo4 "% !"3ro'!ur!/.

. Th"& &h! Tr$#u%" "% &h! A33!"&! Tr$#u%"/ h"! #!!% $!%3o4!r/ &o r!u"&! &h!$r o4% 3ro'!ur! $%'u$% &h! 3"'!/ "&4h$'h &h! /h" h"! &h!$r /$&&$%/.

7. Th"& &h! C!%&r" Go!r%*!%& h"/ # " %o&$'"&$o% $//u! u%!r/!'&$o% 2 o+ &h! A'& !/&"#$/h! " Tr$#u%" "& 0"#"3ur &o #!

6%o4% "/ D!#&/ R!'o!r Tr$#u%", &o !:!r'$/! &h! <ur$/$'&$o%,3o4!r/ "% "u&hor$& 'o%+!rr! o% /u'h Tr$#u%" u%!r &h! A'&+or &h! /&"&! o+ M"h" Pr"!/h.

1@. Th"& /!'&$o% --(1) o+ Th! S$'6 I%u/&r$" Co*3"%$!/ (S3!'$"Pro$/$o%/) A'&, 17> (No. 1 o+ 17) 3ro$!/ +or /u/3!%/$o% o+!" 3ro'!!$%/ "% /&"&!/ &h"& 8no suit for the recovery ofmoney or for the enforcement of any security a!ainst theindustrial company or of any !uarantee in respect of any loansor advance !ranted to the industrial company shall lie or be proceeded with further except with the consent of the 'oardor as the case may be the Appellate Authority 9 $% '"/! &h!

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anil chawla

*"&&!r r!"&$% &o &h! 'o*3"% $/ 3!%$% 4$&h &h! Bo"r or4$&h &h! A33!"&! Au&hor$&.

Th! "#o! /!'&$o% 3u&/ " #"r o% &h! o3!r"&$o% o+ &h! A'& &o*"&&!r/ 3!%$% #!+or! &h! BIFR.

11. Th"& &h! Pr!"*#! o+ Th! S$'6 I%u/&r$" Co*3"%$!/ (S3!'$"Pro$/$o%/) A'&, 17> (No. 1 o+ 17) *"6!/ $& '!"r &h"& $& $/$%&!%! &o *"6! /3!'$" 3ro$/$o%/ 4$&h " $!4 &o /!'ur$% &h!&$*! !&!'&$o% o+ /$'6 "% 3o&!%&$" /$'6 'o*3"%$!/ o4%$%$%u/&r$" u%!r&"6$%/ "% &o !&!r*$%! "% !%+or'! &h! /&!3/+or &h! 3r!!%&$o% "% 'ur! o+ /u'h /$'6%!//.

1-. Th"& /!'&$o% 2(+) o+ Th! S$'6 I%u/&r$" Co*3"%$!/ (S3!'$"Pro$/$o%/) A'&, 17> (No. 1 o+ 17) !:'u!/ /*" /'"!$%u/&r$" u%!r&"6$%/ "% "%'$"r $%u/&r$" u%!r&"6$%/ "/!%! u%!r /!'&$o% 2 o+ I%u/&r$!/ (D!!o3*!%& "%R!u"&$o%) A'&, 17>1 (> o+ 17>1) +ro* &h! !%$&$o% o+$%u/&r$" u%!r&"6$%/. Th$/ !;!'&$! *!"%/ &h"& &h!

3r!!%&$! "% 'ur"&$! /&!3/ u%!r Th! S$'6 I%u/&r$"Co*3"%$!/ (S3!'$" Pro$/$o%/) A'&, 17> "r! %o& ""$"#! &oS*" S'"! I%u/&r.

12. Th"& &h! !$/"&$! 3o4!r 8&o 3ro$! +or &h! "<u$'"&$o% or&r$" # &r$#u%"/9 /&!*/ +ro* Ar&$'!/ 2-2A "% 2-2B o+ &h!Co%/&$&u&$o% o+ I%$". Ar&$'! 2-2A $/ 'o%'!r%! 4$&hA*$%$/&r"&$! Tr$#u%"/ 4h$! Ar&$'! 2-2B $/&/ u%!r '"u/!(-) &h! *"&&!r/, 4h$'h '"% #! "<u$'"&! or &r$! # Tr$#u%"/.

1?. Th"& R!'o!r o+ D!#&/ u! &o B"%6/ "% F$%"%'$" I%/&$&u&$o%/

$/ %o& " *"&&!r $/&! u%!r Ar&$'! 2-2B (-) o+ &h! Co%/&$&u&$o%o+ I%$".

1>. Th"& $&!* %o. 7 o+ L$/& I%$o% L$/& $!/ r!/$u"r 3o4!r/ &o&h! P"r$"*!%& &o *"6! "4/ #u& $% *"&&!r/ 4h!r! &h! *"6!r/o+ &h! Co%/&$&u&$o% h"! /3!'$! $% '"&!or$'" &!r*/ &h!Po4!r/ o+ &h! P"r$"*!%&, &h! $%&!%&$o% o+ &h! *"6!r/ o+ &h!Co%/&$&u&$o% $/ '!"r &o 3u& $*$&/ o% &h! P"r$"*!%& $% $&/ "4*"6$% +u%'&$o%. H!%'! " r!'our/! &o &h! r!/$u"r 3o4!r/, +or!/&"#$/h*!%& o+ &r$#u%"/ %o& /3!'$! u%!r Ar&$'! 2-2B, $/'!"r " $o"&$o% o+ &h! $*$&/ $%&!%! &o #! 3u& # &h!

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*"6!r/ o+ &h! Co%/&$&u&$o% "% $/ $o"&$! o+ &h! /3$r$& o+ &h!Co%/&$&u&$o%.

1. Th"& $% " 'o**!r'$" &r"%/"'&$o% $%o$% &4o 3!r/o%/ !%!r"% #orro4!r, &h! "4 *u/& &r!"& #o&h "/ !u". Th$/ !u"$& $/3ro$! "/ " Fu%"*!%&" R$h& u%!r Ar&$'! 1? o+ &h!Co%/&$&u&$o%.

1. Th"& &h! !u"$& #!+or! "4 3ro$! u%!r Ar&$'! 1? $/ %o&'o%%! &o $%$$u"/ o%. I& !:&!%/ &o " 3!r/o%/ $%'u$%!" 3!r/o%/ $6! B"%6/, Co*3"%$!/, F$%"%'$" Cor3or"&$o%/,Pr$"&! Co*3"%$!/ !&'.

1. Th"& $% " 'o**!r'$" &r"%/"'&$o% #!&4!!% " #orro4!r "%!%!r, &h!r! '"% #! " "r$!& o+ $/3u&!/ "% 3ro#!*/. Su'h3ro#!*/ "% $/3u&!/ '"% #! '"u/! # !$&h!r /o*!/hor&'o*$% $% &h! #orro4!r or /o*! *$/&"6!/ o% 3"r& o+ &h!!%!r or /o*! !:&r"%!ou/ +"'&or/ &h"& "r! #!o% &h! 'o%&roo+ !$&h!r &h! #orro4!r or &h! !%!r. I% *o/& '"/!/ "

'o*#$%"&$o% o+ '"u/!/ $/ "& 4or6 "% " '"r!+u <u$'$"$/'r!&$o% $/ %!'!//"r &o /or& ou& &h! "'&u" '"u/! o+ &h!$/3u&! "% &o &h!r!# 4or6 ou& " <u/& /ou&$o%.

Th! /u**"r 3ro'!ur! 3ro$! $% &h! A'& 3ro$!/ +or "%!:3!$&$ou/ r!'o!r o+ !#& 4$&hou& 'o%/$!r$% &h! '"u/!/$%'! &h! Tr$#u%" $/ %o& 3!r*$&&! &o !%&!r&"$% "% '"$* o+ &h!#orro4!r ""$%/& &h! B"%6 or F$%"%'$" I%/&$&u&$o%.

17. Th"& *or! o+&!% &h"% %o&, &h! '"u/! o+ %o%3"*!%& o+ u!/ &oB"%6/ "% F$%"%'$" I%/&$&u&$o%/ $/ /$'6%!// o+ &h! $%u/&r$"

u%!r&"6$% u! &o '"u/!/ &h"& "r! !%&$r! #!o% &h! 'o%&roo+ &h! #orro4!r. I% " "r! %u*#!r o+ '"/!/, &h! B"%6/ "%F$%"%'$" I%/&$&u&$o%/ "r! &h! '"u/! o+ &h! /$'6%!//. I& $/ #!o%" 3r$%'$3!/ o+ N"&ur" 0u/&$'! &h"& " !+!%"%& $/ 3r!/u*! &o#! "& +"u& "% 3u%$/h! 4h$! &h! 3"$%&$; $/ "& &h! roo& o+ &h!'"u/! o+ "'&$o% "% &h! !+!%"%& $/ !!% !%$! "%o33or&u%$& &o 3r!/!%& h$/ '"/! ""$%/& &h! 3"$%&$; $% &h!

Tr$#u%" &h"& $/ 3u%$/h$% h$*.

-@. Th"& &h! A'& 3ro$!/ &h! !%!r " r!'our/! &o " /u**"r &r$"""$%/& &h! #orro4!r 4h$! $% '"/! &h! #orro4!r h"/ "%

r$!"%'!/ ""$%/& &h! !%!r, h! '"% o% o &hrouh &h! '$$

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3ro'!ur!. Th$/ "*ou%&/ &o "% u%!u" &r!"&*!%& #!&4!!% &4o3"r&$!/ o+ " &r"%/"'&$o% "% h!%'! &"6!/ "4" or "#r$!/ &h!Eu"$& #!+or! L"4 3ro$! # Ar&$'! 1? o+ &h! Co%/&$&u&$o% o+ I%$".

-1. Th"& &h! S&"&!, "/ !%! u%!r Ar&$'! 1- o+ &h! Co%/&$&u&$o%o+ I%$", $%'u!/ &h! P"r$"*!%& "% &h! Go!r%*!%& o+ I%$""% "/o $%'u!/ " "r! *"<or$& o+ #"%6/ "% %"%'$"$%/&$&u&$o%/ $% I%$" $%'u$% &h! R!/3o%!%& %o. 2. I% "&r"%/"'&$o% #!&4!!% &h! S&"&! "% "% $%$$u" '$&$J!% o+ &h!'ou%&r, &h! Pr!"*#! o+ &h! Co%/&$&u&$o% /!'ur!/ &o " $&/'$&$J!%/ 80STICE, /o'$", !'o%o*$' "% 3o$&$'"9. Th!u%!r"#$$& o+ &h! $%$$u" #!+or! &h! S&"&! %!!/ &h!3ro&!'&$o% o+ &h! Co%/&$&u&$o% u /!'ur! # &h! Cour&/.

I% &h! 3r!/!%& '"/!, &h! S&"&! h"/ 3"//! " "4 &h"& &"6!/ "4"&h! 3ro&!'&$o% o+ &h! %or*" !" /&ru'&ur! ""$"#! &o "%'$&$J!% o+ &h! 'ou%&r 4$&hou& $$% /$*$"r r$h&/ &o &h!'$&$J!%/ &o *o! ""$%/& &h! S&"&!. Th$/ $%!u"$& h"/ #!!%

'r!"&! # &h! S&"&! &o +ur&h!r &h! 'o**!r'$" $%&!r!/&/ o+/o*! $%/&$&u&$o%/ o+ &h! S&"&! 4$&hou& "% 'o%/$!r"&$o% o+ 0STICE "/ !%/hr$%! $% &h! Co%/&$&u&$o%.

--. Th"& &h! Co! o+ C$$ Pro'!ur!, 17@ 3r!/'r$#!/ " 3ro'!ur!&o #! +oo4! # &h! Cour&/ $% " '$$ *"%%!r/. Th! Co! $/ "!" !:3r!//$o% o+ &h! 3ro'!ur! &h"& 4ou #! r!u$r! $+ "3"r&$!/ &o " '$$ '"/! "r! &o !& NATRAL 0STICE. Th! Co! $/"% !:3r!//$o% o+ N"&ur" 0u/&$'! "% $/ %o& ""$%/& %"&ur"

<u/&$'!. For '$$ *"&&!r/, "% u$'6!r 3ro'!ur! o&h!r &h"% &h!o%! 3r!/'r$#! u%!r &h! Co! o+ C$$ Pro'!ur!, 17@ /h" #!

" $u&$o% o+ &h! 'o%'!3& o+ %"&ur" <u/&$'!.

-2. Th"& &h! r!u"&$o% # Tr$#u%"/ o+ &h!$r o4% 3ro'!ur! 4$&hu$"%'! +ro* 3r$%'$3!/ o+ %"&ur" <u/&$'! 4h$! %o& #!$%#ou% # &h! Co! o+ C$$ Pro'!ur!, 17@ '"% o% "*ou%& &o" !%$" o+ %"&ur" <u/&$'! &o &h! D!+!%"%&/ /$%'! &h! 3r$%'$3!/o+ %"&ur" <u/&$'! "r! %o& !" !%! "% 4ou #! /u#<!'&&o " 6$%/ o+ $%&!r3r!&"&$o% &h"& '"% o% #! h"r*+u &o &h!4!"6!r 3"r& $% " /$&u"&$o% 4h!r! &h! &r$#u%" $/ u%!r 3r!//ur!&o !'$! &h! *"&&!r 4$&h$% " :! &$*! +r"*! o+ /$: *o%&h/"% 4h!r! D!+!%"%&/ $*3o!r$/h! # $%u/&r$" /$'6%!// "r!

+"'$% &h! *$h& o+ &h! S&"&!.

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-?. Th"& &h! R!'o!r O'!r h"/ #!!% $!% 3o4!r/ &o "rr!/& "%!&"$% &h! !+!%"%& $% 3r$/o% +or "% !%&h o+ &$*! &h"& *"3!"/! &h! R!'o!r O'!r. Th! R!'o!r O'!r $/ %o& "M"$/&r"&! "/ !%! u%!r /!'&$o% 2(2-) o+ Th! G!%!r"C"u/!/ A'&, 17. Ar&$'! --(-) o+ &h! Co%/&$&u&$o% /&"&!/ &h"&8E!r 3!r/o% 4ho $/ "rr!/&! "% !&"$%! $% 'u/&o /h" #!3rou'! #!+or! &h! %!"r!/& M"$/&r"&! 4$&h$% " 3!r$o o+&4!%&+our hour/ o+ /u'h "rr!/& ...9. Th! 3o4!r $!% &o &h!

R!'o!r O'!r $/ $o"&$! o+ Ar&$'! -- o+ Th! Co%/&$&u&$o% o+I%$".

->. Th"& &h! 3o4!r/ $!% &o R!'o!r O'!r "r! $!% 4$&hou&"% r!/&r$'&$o%/ or r!u"&$o%/. Th! 'o%u'& o+ R!'o!r O'!r/h" %o& #! /u#<!'& &o 4h"& '"% #! '"! "/ 8 procedureestablished by law9. Th! R!'o!r O'!r /h" #! "'&$%""$%/& !+!%"%&/ &o !3r$! &h!* o+ &h!$r 3!r/o%" $#!r&4$&hou& +oo4$% "% 3ro'!ur! !/&"#$/h! # "4. Th$/ &"6!/"4" &h! Fu%"*!%&" R$h& 'o%+!rr! # Ar&$'! -1 o+ &h!Co%/&$&u&$o%.

-. Th"& &h! A'& &"6!/ "4" or "#r$!/ &h! r$h&/ 'o%+!rr! # P"r&III o+ &h! Co%/&$&u&$o% o+ I%$" "% h!%'! &h! A'& $/ o$ "/ 3!r&h! 3ro$/$o% o+ '"u/! 12(-) o+ &h! Co%/&$&u&$o%.

-. Th"& S*" S'"! I%u/&r $/ " *"<or !*3o*!%& 3ro$!r $%&h! 'ou%&r. A *"<or 3"r& o+ &h! !:3or& o+ *"%u+"'&ur! oo/'o*!/ +ro* S*" S'"! I%u/&r. Th! $%u/&r$" ro4&h o+ &h!'ou%&r h"/ $&/ +ou%"&$o% u3o% &h$/ /!'&or o+ &h! !'o%o*. Th!!%&!r3r$/$% /3$r$& o+ &h! I%$"% !%&r!3r!%!ur !:3r!//!/ $&/!+&hrouh &h! /*" /'"! $%u/&r, 4h$'h $/ "/o &h! !%$%! o+

ro4&h o+ '"3$&" +or*"&$o% $% &h! 'ou%&r. Th! %$o% o+ I%$"!%<o/ &h! #!%!&/ o+ &h! /u''!// o+ " !%&ur! $% &!r*/ o+!*3o*!%&, !:3or&/, &":!/, u&$!/, &"r$;/, !'o%o*$' ro4&h!&'. 0u/& "/ $& !%<o/ &h! #!%!&/, &h! %$o% *u/& "/o /h"r! $%&h! +"$ur! "% %o& &r!"& &h! S*" S'"! I%u/&r "/ $+ $& $/ "r!/u& o+ " 'r$*! 'o**$&&! # &h! !%&r!3r!%!ur. R!'o!r o+D!#&/ $/ " 3ro#!* &h"& $/ *or! o+&!% &h"% %o& &h! r!/u& o+ "+"$ur! o+ &h! $%u/&r$" u%$& u! &o +"'&or/ #!o% &h! 'o%&ro o+ &h! !%&r!3r!%!ur. R!h"#$$&"&$o% o+ /u'h u%$&/ "% !'$!%&u&$$/"&$o% o+ 3rou'&$! "//!&/ o+ /u'h u%$&/ *u/& #! " N"&$o%"Pr$or$& "% $/ "/o " Co%/&$&u&$o%" I*3!r"&$! u%!r &h!D$r!'&$! Pr$%'$3!/ o+ S&"&! Po$'. Th! A'& o!/ %o& !!% oo6

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anil chawla

"& &h! $//u!/ o+ R!h"#$$&"&$o% "% !'$!%& u&$$/"&$o% o+3rou'&$! "//!&/. I%/&!" &h! A'& &"6!/ " %"rro4 $!4 o+ "3!&& *o%!!%!r &h!r!# /"'r$'$% &h! o%&!r* %"&$o%"$%&!r!/&/ o+ &h! 'ou%&r.

-. Th"& $& $/ ""$%/& " 3r$%'$3!/ o+ N"&ur" 0u/&$'! &h"& "r!$%u/&r $/ 3ro$! /&"&u&or r!$!+/ "% "&&!*3&/ "r! *"! &o3r!!%& "% 'ur! &h! /$'6%!// $% "r! $%u/&r 4h$! &h! /*"/'"! /!'&or, &h"& h"/ r!"&!r !*3o*!%& 3o&!%&$" "% &h"&'o%&r$#u&!/ *or! &o4"r/ "'h$!$% &h! o#<!'&$!/ o+ &h!D$r!'&$! Pr$%'$3!/ o+ S&"&! Po$', $/ &r!"&! $% " *o/& /h"##*"%%!r 4$&hou& "% /u33or& +or 3r!!%&$o% "% 'ur! o+/$'6%!//. Ar&$'! ? o+ &h! Co%/&$&u&$o% 3r!/'r$#!/ &h"& 8The(tate shall promote with special care the ... economic interestsof the weaker sections of the people ...9 I% &h! 3r!/!%& '"/!&h! S*" S'"! I%u/&r $/ " 4!"6!r /!'&$o% o+ &h! 3!o3! $%r!"&$o% &o &h! L"r! $%u/&r. Y!&, " 3r!+!r!%&$" &r!"&*!%& $/#!$% $!% &o &h! "r! $%u/&r 4h$! !%$% &h! /"*! &o &h!/*" /'"! /!'&or.

-7. Th"& &h! A'& 3r!/u*!/ &h! R!'o!r o+ D!#&/ &o #! " /$*3!'$$ $/3u&! '"u/! # " !%!r %o& r!'!$$% h$/ *o%! u! &o#" $%&!%&$o%/ o+ &h! #orro4!r. Th! "'&u" 3ro#!* $/ !%!r"*or! 'o*3$'"&!. A #orro4!r &"6!/ *o%! +ro* &h! !%!r"% 'r!"&!/ "//!&/ &h"& 'r!"&! !*3o*!%& "% 'o%&r$#u&! &o&h! #u$$% o+ &h! %"&$o%" !'o%o*. I& $/ $% %"&$o%" $%&!r!/& &o!%/ur! &h"& &h! "//!&/ "r! 3u& &o 3rou'&$! "% 3ro&"#! u/!.

Th! r!/3o%/$#$$& &o4"r/ &h$/ %"&$o%" $%&!r!/& r!/&/ 3r$*"r$4$&h &h! #orro4!r #u& &h! S&"&! "% &h! /o'$!& h"! "% "*o/&!u" ro! &o 3" $% !%/ur$% &h"& &h! "//!&/ "r! u&$$/! +or &h!

oo o+ &h! 'ou%&r. I% '"/! &h!r! $/ " +"$ur! &o !%/ur! /u'h "u/! o+ &h! "//!&/, &h! #"*! +or &h! +"$ur! h"/ &o #! /h"r! #&h! #orro4!r "/ 4! "/ # &h! S&"&! "% &h! /o'$!&. O+ 'our/!,$% '"/! &h! "//!&/ "r! 4! u&$$/! "% &h! #orro4!r o!/ %o&3" &h! u!/ &o &h! !%!r, &h!r! $/ <u/&$'"&$o% +or h"r/h*!"/ur!/ ""$%/& &h! #orro4!r. O% &h! o&h!r h"%, $+ &h!#orro4!r $/ u%"#! &o 3" o% "''ou%& o+ 3oor u&$$/"&$o% o+"//!&/ u! &o r!"/o%/ &h"& "r! !%&$r! #!o% h$/ 'o%&ro,h"r/h &r!"&*!%& o+ &h! #orro4!r # &h! S&"&! "% /o'$!& $/ "!%$" o+ <u/&$'! "% "*ou%&/ &o " $/'our"!*!%& # &h! S&"&!&o !%&r!3r!%!ur$" r$/6 &"6$% $% &h! /o'$!&. Th$/ 4$ $% u!'our/! !" &o %!"&$! $%u/&r$" ro4&h "% h!%'! &o "

Page No. 8



anil chawla

o4!r$% o+ &h! /&"%"r o+ $$%. A/ 3!r Ar&$'! ? o+ &h!Co%/&$&u&$o% $& $/ &h! 3r$*"r u& o+ &h! S&"&! &o r"$/! &h!/&"%"r o+ $$% o+ $&/ 3!o3!. H!%'!, &h! A'&, # 3r!/'r$#$%"'ro//&h!#o"r h"r/h &r!"&*!%& +or #orro4!r/ $/ !%$%

<u/&$'! &o &h! #orro4!r/ 4ho "r! u%"#! &o 3" u! &o r!"/o%/#!o% &h!$r 'o%&ro "/ 4! "/ $/ "'&$% ""$%/& &h! D$r!'&$!Pr$%'$3!/ o+ S&"&! Po$'.

2@. Th"& $& '"% #! /u**! u3 "/ +oo4/5

") Th! P"r$"*!%& h"/ "'&! #!o% $&/ "4 *"6$% 3o4!r/"/ 3ro$! $% &h! Co%/&$&u&$o% "% h!%'! &h! A'& $/ u&r"$r!/ o+ &h! Co%/&$&u&$o%.

#) Th! A'& "#r$!/ or &"6!/ "4" &h! r$h&/ 'o%+!rr! #Ar&$'! 1?, -1 "% -- o+ &h! Co%/&$&u&$o% o+ I%$" "%h!%'! $/ o$.

') Th! A'& $o"&!/ &h! 'o%'!3& o+ 0u/&$'! "/ !%/hr$%! $% &h!Pr!"*#! o+ &h! Co%/&$&u&$o%.

) Th! A'& h"/ !;!'&/ &h"& "r! ""$%/& &h! D$r!'&$!Pr$%'$3!/ o+ S&"&! Po$' "/ 3ro$! $% P"r& IV o+Co%/&$&u&$o% "% h!%'! &h!r! '"% #! %o <u/&$'"&$o%4h"&/o!!r +or 'o*3ro*$/$% &h! +u%"*!%&" r$h&/.

21. Th"& %o&$'! $/ h!r!# /!r! o% &h! %$o% o+ I%$" &o o &h!+oo4$% "'&/ 4$&h$% +&!!% "/ o+ &h! r!'!$3& o+ &h$/ %o&$'!+"$$% 4h$'h &h! u%!r/$%! /h" #! +or'! &o *o! &h!"33ro3r$"&! Cour& "% " 'o/&/ &h!r!o+ /h" #! !%&$r! &o &h!"''ou%& o+ &h! r!/3o%!%&/5

") THE RECOVERY OF DEBTS DE TO BAN=S AND FINANCIAL

INSTITTIONS ACT, 1772 (A'& >1 o+ 1772) #! !'"r! "/o$ u%!r Ar&$'! 12 o+ &h! Co%/&$&u&$o%.

#) Th! A'& #! !'"r! "/ u&r"$r!/ "% $o"&$! o+ &h!Co%/&$&u&$o%.

') D!#&/ R!'o!r Tr$#u%"/ /!& u3 u%!r &h! A'& #! 4ou%u3 "% " %o&$'!/ or or!r/ or R!'o!r C!r&$'"&!/ or3ro'!!$%/ 'o%u'&! # or $//u! # &h! /"$ Tr$#u%"/#! u"/h!.

2-. Th"& %o&$'! $/ h!r!# /!r! o% &h! R!/3o%!%& No. - &o o &h!+oo4$% "'&/ 4$&h$% +&!!% "/ o+ &h! r!'!$3& o+ &h$/ %o&$'!

Page No. 9



anil chawla

+"$$% 4h$'h &h! u%!r/$%! /h" #! +or'! &o *o! &h!"33ro3r$"&! Cour& "% " 'o/&/ &h!r!o+ /h" #! !%&$r! &o &h!"''ou%& o+ &h! r!/3o%!%&/5

") A %o&$'!/ or or!r/ or R!'o!r C!r&$'"&!/ or3ro'!!$%/ 'o%u'&! # or $//u! # &h! Tr$#u%" #!/u/3!%! 3!%$% &h! !'$/$o% o% &h! 'o%/&$&u&$o%""$$& o+ &h! A'&.

#) I% 3"r&$'u"r, %o /&!3/ or 3ro'!!$%/ #! $%$&$"&! or%o&$'!/ $//u! $% &h! *"&&!r o+ S&"&! B"%6 o+ I%$" /.Ero P"/& P&. L&. &r"%/+!rr! +ro* &h! Cour& "& Bho3",3!%$% &h! !'$/$o% o% &h! 'o%/&$&u&$o%" "$$& o+ &h!A'&.

22. Th"& %o&$'! $/ h!r!# /!r! o% &h! R!/3o%!%& No. 2 &o o &h!+oo4$% "'&/ 4$&h$% +&!!% "/ o+ &h! r!'!$3& o+ &h$/ %o&$'!+"$$% 4h$'h &h! u%!r/$%! /h" #! +or'! &o *o! &h!"33ro3r$"&! Cour& "% " 'o/&/ &h!r!o+ /h" #! !%&$r! &o &h!"''ou%& o+ &h! r!/3o%!%&/5

") A "33$'"&$o%/ /u#*$&&! or $6! &o #! /u#*$&&! # &h!r!/3o%!%& %o.2 &o &h! r!/3o%!%& %o.- #! /u/3!%!"% &h"& &h! R!/3o%!%& %o.2 &"6!/ %o +ur&h!r /&!3/ $%r!/3!'& o+ "% o+ &h! "33$'"&$o%/ or '"/!/ &r"%/+!rr!u%!r /!'&$o% 21 o+ &h! A'&, 3!%$% &h! !'$/$o% o% &h!'o%/&$&u&$o%" "$$& o+ &h! A'&.

#) I% 3"r&$'u"r, %o /&!3/ or 3ro'!!$%/ #! $%$&$"&! or3ror!// *"! $% &h! *"&&!r o+ S&"&! B"%6 o+ I%$" /.Ero P"/& P&. L&. &r"%/+!rr! +ro* &h! Cour& "& Bho3"&o R!/3o%!%& %o.-, 3!%$% &h! !'$/$o% o% &h!

'o%/&$&u&$o%" "$$& o+ &h! A'&.

2?. Th"& &h! u%!r/$%! $/ 'o%!%& &h"& &h! R!/3o%!%&/ /h""'& "/ 3!r &h! Co%/&$&u&$o%" Pro$/$o%/ "% %o& +or'! &h!u%!r/$%! &o *o! Cour&.

0u, 177 ANIL CHAWLA

Page No. 10



anil chawlaT'( DR!"T O" )RIT P(TITION !ND !** (N+*OSUR(ST'(R(TO '!( B((N PR(P!R(D )IT' T'( ID(! O"

"I*IN- !T 'I-' +OURT& 'O)((R, T'IS +!N !*SO B(

"I*(D )IT' .INOR .ODI"I+!TIONS !T SUPR(.(+OURT&

B!+or! &h! 'igh +ourt of /udicature .adhya Pradesh "& 0"#"3ur

M.P. No. .......K177Petitioners0 (1) __________________

/Ko ________________ /Ko ___________________ A! "#ou& ____ !"r/rKo ____________________, _______________________, _______________________

(-) __________________ /Ko ___________________

A! "#ou& ____ !"r/rKo ____________________, _______________________, _______________________

/.

Res1ondents0 (1) %$o% o+ I%$", Throuh Th! C"#$%!& S!'r!&"r,Go!r%*!%& o+ I%$",NEW DELHI

(-) Th! Pr!/$$% O'!rD!#& R!'o!r Tr$#u%",M"h" Pr"!/h, 0ABALPR

(2) S&"&! B"%6 o+ I%$",I%u/&r$" Ar!",Go$%3ur",BHOPAL

IND(2

S. No. D!/'r$3&$o% o+ Do'u*!%&/ A%%!:ur! P"! No/.

1. Th!*! o+ 3!&$&$o% "o% 4$&h""$&

@1 &o ....

-. P1

Page No. 11



anil chawla2. P-

Bho3"

D"&!5...................... PETITIONER

Page No. 12



DRAFT

B!+or! &h! 'igh +ourt of /udicature .adhya Pradesh"& 0"#"3ur


/Ko ________________ /Ko ___________________

A! "#ou& ____ !"r/rKo ____________________,

_______________________, _______________________

(-) __________________ /Ko ___________________ A! "#ou& ____ !"r/rKo ____________________,

_______________________, _______________________

/.

Res1ondents0 (1) %$o% o+ I%$", Throuh Th! C"#$%!& S!'r!&"r,Go!r%*!%& o+ I%$",NEW DELHI

(-) Th! Pr!/$$% O'!rD!#& R!'o!r Tr$#u%",M"h" Pr"!/h,

0ABALPR


Petition under !rticle 334 of The +onstitution ofIndia

Page No. 1



Th! P!&$&$o%!r #!/ &o /u#*$& "/ u%!r5

#& Particulars of the 1etitioner0

A/ $!% $% &h! '"u/! &$&! ____________ ______ _____ $/ "%Or"%$/"&$o% o+ S*" S'"! I%u/&r$" %$&/. A "r! %u*#!r o+/*" /'"! $%u/&r$" u%$&/ "r! ";!'&! # &h! /u#<!'& *"&&!r o+ &h$/ 3!&$&$o%. H!%'! P!&$&$o%!r %o. 1 r!3r!/!%&/ " "r! /!'&$o%o+ &h! 3!r/o%/ "r$!! # &h! /u#<!'& *"&&!r o+ &h$/ 3!&$&$o%.P!&$&$o%!r %o. - $/ "% "r$!! $%$$u" 4ho h" +ur%$/h! "3!r/o%" u"r"%&!! +or " o"% !:&!%! # R!/3o%!%& %o.2 &o" S*" S'"! %$& (Ero P"/& P&. L&.). Th! P!&$&$o%!r %o. - $/h!%'! $r!'& ";!'&! # &h! /u#<!'& *"&&!r o+ &h$/ 3!&$&$o%.

3& Particulars of the res1ondents0

A/ $!% $% &h! '"u/! &$&!

%& Particulars of the order against 5hich the1etition is 6ade0

Th! /u#<!'& *"&&!r o+ &h! 3!&$&$o% $/ +or 'h"!%$% &h!'o%/&$&u&$o%" "$$& o+ THE RECOVERY OF DEBTS DE TOBAN=S AND FINANCIAL INSTITTIONS ACT, 1772 (A'& >1 o+

1772) (h!r!$%"+&!r r!+!rr! &o "/ 8&h! A'&9)

7& Delay in 8ling the 1etition, if any, and thee91lanation for it, if any0:

Th! D!#&/ R!'o!r Tr$#u%" +or M"h" Pr"!/h h"/ #!!%!/&"#$/h! r!'!%& "% &h! "33$'"&$o% o+ &h! A'& &o r!/$!%&/o+ M"h" Pr"!/h h"/ <u/& /&"r&!. H!%'!, &h!r! $/ %o !" $%$% &h! '"/!.

;& "acts of the case0

Th! +"'&/ o+ &h! '"/! "r! $!% #!o45

>.1 THE RECOVERY OF DEBTS DE TO BAN=S AND FINANCIALINSTITTIONS ACT, 1772 (A'& >1 o+ 1772) (h!r!$%"+&!r r!+!rr!&o "/ 8&h! A'&9) h"/ #!!% !%"'&! # &h! P"r$"*!%&.

>.- Th! 3r!"*#! o+ &h! A'& /"/ 8 An Act to provide for theestablishment of Tribunals for expeditious adjudication andrecovery of debts due to banks and nancial institutions andfor matters connected therewith or incidental thereto.9

Page No. 2



>.2 S!'&$o% 2(1) o+ &h! A'& 3ro$!/ +or !/&"#$/h*!%& o+ o%! or*or! Tr$#u%"/ &o #! 6%o4% "/ D!#&/ R!'o!r Tr$#u%".

>.? Ch"3&!r IV o+ &h! A'& 3r!/'r$#!/ &h! 3ro'!ur! &o #! +oo4!# &h! Tr$#u%"/. Th! /"$!%& +!"&ur!/ o+ &h! 3r!/'r$#!3ro'!ur! "r! "/ +oo4/5

") A% "33$'"&$o% *" #! *o! &o &h! Tr$#u%" # "% B"%6or F$%"%'$" I%/&$&u&$o% +or r!'o!r o+ !#&/. (S!'. 17(1))

#) A% o&h!r 3!r/o% $%'u$% "% #orro4!r '"%%o& *o!&h! Tr$#u%" +or r!r!//" o+ "% r$!"%'!.

') Th! &r$" 'o%u'&! # &h! Tr$#u%" /h" #! o+ "%!:3!$&$ou/ %"&ur! "% &h! &r$#u%" /h" %o& #! #ou% #&h! 3ro'!ur! "$ o4% # &h! Co! o+ C$$ Pro'!ur!,17@ (> o+ 17@) #u& /h" #! u$! # &h! 3r$%'$3!/ o+%"&ur" <u/&$'!. (S!'. 17 --)

) Th! Tr$#u%" /h" $/3o/! o+ &h! "33$'"&$o% "/!:3!$&$ou/ "/ 3o//$#! "% !%!"our /h" #! *"! &o$/3o/! o+ &h! "33$'"&$o% %" 4$&h$% /$: *o%&h/ o+ &h!r!'!$3& o+ &h! "33$'"&$o%. (S!'. 17())

!) Th! Pr!/$$% O'!r o+ &h! Tr$#u%" /h" $//u! "'!r&$'"&! u%!r h$/ /$%"&ur! +or r!'o!r o+ &h! "*ou%&o+ !#&, &o &h! R!'o!r O'!r. (S!'. 17())

+) Th! Tr$#u%" "% &h! A33!"&! Tr$#u%" h"! #!!% $!% "r"%! o+ 3o4!r/ u%!r &h! Co! o+ C$$ Pro'!ur!, 17@

I%$"% P!%" Co! "% &h! Co! o+ Cr$*$%" Pro'!ur!,172 4$&hou& /u#<!'&$% &h! Tr$#u%" "% &h! A33!"&!

Tr$#u%" &o "% 3ro'!ur!/ or u&$!/ 3r!/'r$#! u%!r &h!/"$ '$$ "% 'r$*$%" "4/. (S!'. --)

) A #orro4!r /h" #! "#! &o 3r!+!r "% "33!" ""$%/& &h!or!r o+ &h! Tr$#u%" $+ "% o% $+ &h! #orro4!r h"/!3o/$&! /!!%& ! 3!r '!%& o+ &h! !#& u! "/!&!r*$%! # &h! Tr$#u%", 4$&h$% +or& "/ o+ &h!r!'!$3& o+ &h! or!r o+ &h! Tr$#u%". (S!'. -@ -1)

>.> S!'&$o% -> o+ &h! A'& 3ro$!/ +or Mo!/ o+ r!'o!r o+ !#&/

# R!'o!r O'!r. I& $/ 3ro$! &h"& 8The Recovery Ocershall ..... proceed to recover the amount of debt specied inthe certicate by one or more of the followin! modes namely"#

$a% attachment and sale of the movable or immovable property of the defendant&

$b% arrest of the defendant and his detention in prison&

$c% appointin! a receiver for the mana!ement of themovable or immovable properties of the defendant.9

>. R!'o!r O'!r $/ &o #! "33o$%&! u%!r /!'. (1) o+ &h! A'&

# &h! C!%&r" Go!r%*!%&. R!'o!r O'!r $/ %o& "M"$/&r"&! "/ !%! u%!r /!'&$o% 2(2-) o+ Th! G!%!r"

Page No. 3



C"u/!/ A'&, 17 "% h! $/ %o& o#$! &o +oo4 "% !"3ro'!ur!/.

>. Th! Tr$#u%" "% &h! A33!"&! Tr$#u%"/ h"! #!!% $!%3o4!r/ &o r!u"&! &h!$r o4% 3ro'!ur! $%'u$% &h! 3"'!/ "&4h$'h &h! /h" h"! &h!$r /$&&$%/.

>. Th! C!%&r" Go!r%*!%& h"/ # " %o&$'"&$o% $//u! u%!r/!'&$o% 2 o+ &h! A'& !/&"#$/h! " Tr$#u%" "& 0"#"3ur &o #!6%o4% "/ D!#&/ R!'o!r Tr$#u%", &o !:!r'$/! &h! <ur$/$'&$o%,3o4!r/ "% "u&hor$& 'o%+!rr! o% /u'h Tr$#u%" u%!r &h! A'&+or &h! /&"&! o+ M"h" Pr"!/h.

>.7 S!'&$o% --(1) o+ Th! S$'6 I%u/&r$" Co*3"%$!/ (S3!'$"Pro$/$o%/) A'&, 17> (No. 1 o+ 17) 3ro$!/ +or /u/3!%/$o% o+!" 3ro'!!$%/ "% /&"&!/ &h"& 8no suit for the recovery ofmoney or for the enforcement of any security a!ainst the

industrial company or of any !uarantee in respect of any loansor advance !ranted to the industrial company shall lie or be proceeded with further except with the consent of the 'oardor as the case may be the Appellate Authority 9 $% '"/! &h!*"&&!r r!"&$% &o &h! 'o*3"% $/ 3!%$% 4$&h &h! Bo"r or4$&h &h! A33!"&! Au&hor$&.

Th! "#o! /!'&$o% 3u&/ " #"r o% &h! o3!r"&$o% o+ &h! A'& &o*"&&!r/ 3!%$% #!+or! &h! BIFR.

>.1@ Th! Pr!"*#! o+ Th! S$'6 I%u/&r$" Co*3"%$!/ (S3!'$"Pro$/$o%/) A'&, 17> (No. 1 o+ 17) *"6!/ $& '!"r &h"& $& $/

$%&!%! &o *"6! /3!'$" 3ro$/$o%/ 4$&h " $!4 &o /!'ur$% &h!&$*! !&!'&$o% o+ /$'6 "% 3o&!%&$" /$'6 'o*3"%$!/ o4%$%$%u/&r$" u%!r&"6$%/ "% &o !&!r*$%! "% !%+or'! &h! /&!3/+or &h! 3r!!%&$o% "% 'ur! o+ /u'h /$'6%!//.

>.11 S!'&$o% 2(+) o+ Th! S$'6 I%u/&r$" Co*3"%$!/ (S3!'$"Pro$/$o%/) A'&, 17> (No. 1 o+ 17) !:'u!/ /*" /'"!$%u/&r$" u%!r&"6$%/ "% "%'$"r $%u/&r$" u%!r&"6$%/ "/!%! u%!r /!'&$o% 2 o+ I%u/&r$!/ (D!!o3*!%& "%R!u"&$o%) A'&, 17>1 (> o+ 17>1) +ro* &h! !%$&$o% o+$%u/&r$" u%!r&"6$%/. Th$/ !;!'&$! *!"%/ &h"& &h!

3r!!%&$! "% 'ur"&$! /&!3/ u%!r Th! S$'6 I%u/&r$"Co*3"%$!/ (S3!'$" Pro$/$o%/) A'&, 17> "r! %o& ""$"#! &oS*" S'"! I%u/&r.

4& -rounds urged0

.1 Th! !$/"&$! 3o4!r 8&o 3ro$! +or &h! "<u$'"&$o% or &r$" #&r$#u%"/9 /&!*/ +ro* Ar&$'!/ 2-2A "% 2-2B o+ &h!Co%/&$&u&$o% o+ I%$". Ar&$'! 2-2A $/ 'o%'!r%! 4$&hA*$%$/&r"&$! Tr$#u%"/ 4h$! Ar&$'! 2-2B $/&/ u%!r '"u/!(-) &h! *"&&!r/, 4h$'h '"% #! "<u$'"&! or &r$! # Tr$#u%"/.

Page No. 4



.- R!'o!r o+ D!#&/ u! &o B"%6/ "% F$%"%'$" I%/&$&u&$o%/ $/ %o&" *"&&!r $/&! u%!r Ar&$'! 2-2B (-) o+ &h! Co%/&$&u&$o% o+I%$".

.2 I&!* %o. 7 o+ L$/& I%$o% L$/& $!/ r!/$u"r 3o4!r/ &o &h!P"r$"*!%& &o *"6! "4/ #u& $% *"&&!r/ 4h!r! &h! *"6!r/ o+&h! Co%/&$&u&$o% h"! /3!'$! $% '"&!or$'" &!r*/ &h! Po4!r/o+ &h! P"r$"*!%&, &h! $%&!%&$o% o+ &h! *"6!r/ o+ &h!Co%/&$&u&$o% $/ '!"r &o 3u& $*$&/ o% &h! P"r$"*!%& $% $&/ "4*"6$% +u%'&$o%. H!%'! " r!'our/! &o &h! r!/$u" 3o4!r/, +or!/&"#$/h*!%& o+ &r$#u%"/ %o& /3!'$! u%!r Ar&$'! 2-2B, $/'!"r " $o"&$o% o+ &h! $*$&/ $%&!%! &o #! 3u& # &h!*"6!r/ o+ &h! Co%/&$&u&$o% "% $/ $o"&$! o+ &h! /3$r$& o+ &h!Co%/&$&u&$o%.

.? I% " 'o**!r'$" &r"%/"'&$o% $%o$% &4o 3!r/o%/ !%!r "%#orro4!r, &h! "4 *u/& &r!"& #o&h "/ !u". Th$/ !u"$& $/

3ro$! "/ " Fu%"*!%&" R$h& u%!r Ar&$'! 1? o+ &h!Co%/&$&u&$o%.

.> Th! !u"$& #!+or! "4 3ro$! u%!r Ar&$'! 1? $/ %o&'o%%! &o $%$$u"/ o%. I& !:&!%/ &o " 3!r/o%/ $%'u$%!" 3!r/o%/ $6! B"%6/, Co*3"%$!/, F$%"%'$" Cor3or"&$o%/,Pr$"&! Co*3"%$!/ !&'.

. I% " 'o**!r'$" &r"%/"'&$o% #!&4!!% " #orro4!r "% !%!r,&h!r! '"% #! " "r$!& o+ $/3u&!/ "% 3ro#!*/. Su'h 3ro#!*/"% $/3u&!/ '"% #! '"u/! # !$&h!r /o*! /hor&'o*$% $% &h!

#orro4!r or /o*! *$/&"6!/ o% 3"r& o+ &h! !%!r or /o*!!:&r"%!ou/ +"'&or/ &h"& "r! #!o% &h! 'o%&ro o+ !$&h!r &h!#orro4!r or &h! !%!r. I% *o/& '"/!/ " 'o*#$%"&$o% o+ '"u/!/$/ "& 4or6 "% " '"r!+u <u$'$" $/'r!&$o% $/ %!'!//"r &o /or&ou& &h! "'&u" '"u/! o+ &h! $/3u&! "% &o &h!r!# 4or6 ou& "

<u/& /ou&$o%.

Th! /u**"r 3ro'!ur! 3ro$! $% &h! A'& 3ro$!/ +or "%!:3!$&$ou/ r!'o!r o+ !#& 4$&hou& 'o%/$!r$% &h! '"u/!/$%'! &h! Tr$#u%" $/ %o& 3!r*$&&! &o !%&!r&"$% "% '"$* o+ &h!#orro4!r ""$%/& &h! B"%6 or F$%"%'$" I%/&$&u&$o%.

. Mor! o+&!% &h"% %o&, &h! '"u/! o+ %o%3"*!%& o+ u!/ &oB"%6/ "% F$%"%'$" I%/&$&u&$o%/ $/ /$'6%!// o+ &h! $%u/&r$"u%!r&"6$% u! &o '"u/!/ &h"& "r! !%&$r! #!o% &h! 'o%&roo+ &h! #orro4!r. I% " "r! %u*#!r o+ '"/!/, &h! B"%6/ "%F$%"%'$" I%/&$&u&$o%/ "r! &h! '"u/! o+ &h! /$'6%!//. I& $/ #!o%" 3r$%'$3!/ o+ N"&ur" 0u/&$'! &h"& " !+!%"%& $/ 3r!/u*! &o#! "& +"u& "% 3u%$/h! 4h$! &h! 3"$%&$; $/ "& &h! roo& o+ &h!'"u/! o+ "'&$o% "% &h! !+!%"%& $/ !!% !%$! "%o33or&u%$& &o 3r!/!%& h$/ '"/! ""$%/& &h! 3"$%&$; $% &h!

Tr$#u%" &h"& $/ 3u%$/h$% h$*.

. Th! A'& 3ro$!/ &h! !%!r " r!'our/! &o " /u**"r &r$"""$%/& &h! #orro4!r 4h$! $% '"/! &h! #orro4!r h"/ "%

Page No. 5



r$!"%'!/ ""$%/& &h! !%!r, h! '"% o% o &hrouh &h! '$$3ro'!ur!. Th$/ "*ou%&/ &o "% u%!u" &r!"&*!%& #!&4!!% &4o3"r&$!/ o+ " &r"%/"'&$o% "% h!%'! &"6!/ "4" or "#r$!/ &h!Eu"$& #!+or! L"4 3ro$! # Ar&$'! 1? o+ &h! Co%/&$&u&$o% o+ I%$".

.7 Th! S&"&!, "/ !%! u%!r Ar&$'! 1- o+ &h! Co%/&$&u&$o% o+I%$", $%'u!/ &h! P"r$"*!%& "% &h! Go!r%*!%& o+ I%$" "%"/o $%'u!/ " "r! *"<or$& o+ #"%6/ "% %"%'$" $%/&$&u&$o%/$% I%$". I% " &r"%/"'&$o% #!&4!!% &h! S&"&! "% "% $%$$u"'$&$J!% o+ &h! 'ou%&r, &h! Pr!"*#! o+ &h! Co%/&$&u&$o% /!'ur!/&o " $&/ '$&$J!%/ 80STICE, /o'$", !'o%o*$' "% 3o$&$'"9. Th!u%!r"#$$& o+ &h! $%$$u" #!+or! &h! S&"&! %!!/ &h!3ro&!'&$o% o+ &h! Co%/&$&u&$o% u /!'ur! # &h! Cour&/.

I% &h! 3r!/!%& '"/!, &h! S&"&! h"/ 3"//! " "4 &h"& &"6!/ "4"&h! 3ro&!'&$o% o+ &h! %or*" !" /&ru'&ur! ""$"#! &o "%

'$&$J!% o+ &h! 'ou%&r 4$&hou& $$% /$*$"r r$h&/ &o &h!'$&$J!%/ &o *o! ""$%/& &h! S&"&!. Th$/ $%!u"$& h"/ #!!%'r!"&! # &h! S&"&! &o +ur&h!r &h! 'o**!r'$" $%&!r!/&/ o+/o*! $%/&$&u&$o%/ o+ &h! S&"&! 4$&hou& "% 'o%/$!r"&$o% o+

0STICE "/ !%/hr$%! $% &h! Co%/&$&u&$o%. H!%'! &h!$%&!r!%&$o% o+ &h! Ho%our"#! Cour& $/ %!'!//"r &o 'orr!'& &h!4ro% o%! "% &o !%/ur! <u/&$'! +or " '$&$J!%/.

.1@ Th! Co! o+ C$$ Pro'!ur!, 17@ 3r!/'r$#!/ " 3ro'!ur! &o #!+oo4! # &h! Cour&/ $% " '$$ *"%%!r/. Th! Co! $/ " !"!:3r!//$o% o+ &h! 3ro'!ur! &h"& 4ou #! r!u$r! $+ " 3"r&$!/

&o " '$$ '"/! "r! &o !& NATRAL 0STICE. Th! Co! $/ "%!:3r!//$o% o+ N"&ur" 0u/&$'! "% $/ %o& ""$%/& %"&ur" <u/&$'!.For '$$ *"&&!r/, "% u$'6!r 3ro'!ur! o&h!r &h"% &h! o%!3r!/'r$#! u%!r &h! Co! o+ C$$ Pro'!ur!, 17@ /h" #! "$u&$o% o+ &h! 'o%'!3& o+ %"&ur" <u/&$'!.

.11 Th! r!u"&$o% # Tr$#u%"/ o+ &h!$r o4% 3ro'!ur! 4$&hu$"%'! +ro* 3r$%'$3!/ o+ %"&ur" <u/&$'! 4h$! %o& #!$%#ou% # &h! Co! o+ C$$ Pro'!ur!, 17@ '"% o% "*ou%& &o" !%$" o+ %"&ur" <u/&$'! &o &h! D!+!%"%&/ /$%'! &h! 3r$%'$3!/o+ %"&ur" <u/&$'! "r! %o& !" !%! "% 4ou #! /u#<!'&

&o $%&!r3r!&"&$o% &h"& '"% o% #! h"r*+u &o &h! 4!"6!r 3"r&$% " /$&u"&$o% 4h!r! &h! &r$#u%" $/ u%!r 3r!//ur! &o !'$! &h!*"&&!r 4$&h$% " :! &$*! +r"*! o+ /$: *o%&h/ "% 4h!r!D!+!%"%&/ $*3o!r$/h! # $%u/&r$" /$'6%!// "r! +"'$% &h!*$h& o+ &h! S&"&!.

.1- Th! R!'o!r O'!r h"/ #!!% $!% 3o4!r/ &o "rr!/& "%!&"$% &h! !+!%"%& $% 3r$/o% +or "% !%&h o+ &$*! &h"& *"3!"/! &h! R!'o!r O'!r. Th! R!'o!r O'!r $/ %o& "M"$/&r"&! "/ !%! u%!r /!'&$o% 2(2-) o+ Th! G!%!r"C"u/!/ A'&, 17. Ar&$'! --(-) o+ &h! Co%/&$&u&$o% /&"&!/ &h"&

8E!r 3!r/o% 4ho $/ "rr!/&! "% !&"$%! $% 'u/&o /h" #!3rou'! #!+or! &h! %!"r!/& M"$/&r"&! 4$&h$% " 3!r$o o+

Page No. 6



&4!%&+our hour/ o+ /u'h "rr!/& ...9. Th! 3o4!r $!% &o &h!R!'o!r O'!r $/ $o"&$! o+ Ar&$'! -- o+ Th! Co%/&$&u&$o% o+I%$".

.12 Th! 3o4!r/ $!% &o R!'o!r O'!r "r! $!% 4$&hou& "%r!/&r$'&$o%/ or r!u"&$o%/. Th! 'o%u'& o+ R!'o!r O'!r /h"%o& #! /u#<!'& &o 4h"& '"% #! '"! "/ 83ro'!ur! !/&"#$/h!# "49. Th! R!'o!r O'!r /h" #! "'&$% ""$%/&!+!%"%&/ &o !3r$! &h!* o+ &h!$r 3!r/o%" $#!r& 4$&hou&+oo4$% "% 3ro'!ur! !/&"#$/h! # "4. Th$/ &"6!/ "4" &h!Fu%"*!%&" R$h& Co%+!rr! # Ar&$'! -1 o+ &h! Co%/&$&u&$o%.

.1? S*" S'"! I%u/&r $/ " *"<or !*3o*!%& 3ro$!r $% &h!'ou%&r. A *"<or 3"r& o+ &h! !:3or& o+ *"%u+"'&ur! oo/'o*!/ +ro* S*" S'"! I%u/&r. Th! $%u/&r$" ro4&h o+ &h!'ou%&r h"/ $&/ +ou%"&$o% u3o% &h$/ /!'&or o+ &h! !'o%o*. Th!!%&!r3r$/$% /3$r$& o+ &h! I%$"% !%&r!3r!%!ur !:3r!//!/ $&/!+

&hrouh &h! /*" /'"! $%u/&r, 4h$'h $/ "/o &h! !%$%! o+ro4&h o+ '"3$&" +or*"&$o% $% &h! 'ou%&r. Th! %$o% o+ I%$"!%<o/ &h! #!%!&/ o+ &h! /u''!// o+ " !%&ur! $% &!r*/ o+!*3o*!%&, !:3or&/, &":!/, u&$!/, &"r$;/, !'o%o*$' ro4&h!&'. 0u/& "/ $& !%<o/ &h! #!%!&/, &h! %$o% *u/& "/o /h"r! $%&h! +"$ur! "% %o& &r!"& $& "/ $+ $& $/ " r!/u& o+ " 'r$*!'o**$&&! # &h! !%&r!3r!%!ur. R!'o!r o+ D!#&/ $/ " 3ro#!*&h"& $/ *or! o+&!% &h"% %o& &h! r!/u& o+ " +"$ur! o+ &h!$%u/&r$" u%$& u! &o +"'&or/ #!o% &h! 'o%&ro o+ &h! u%$&.R!h"#$$&"&$o% o+ /u'h u%$&/ "% !'$!%& u&$$/"&$o% o+

3rou'&$! "//!&/ o+ /u'h u%$&/ *u/& #! " N"&$o%" Pr$or$& "%$/ "/o " Co%/&$&u&$o%" I*3!r"&$! u%!r &h! D$r!'&$! Pr$%'$3!/o+ S&"&! Po$'. Th! A'& o!/ %o& !!% oo6 "& &h! $//u!/ o+R!h"#$$&"&$o% "% !'$!%& u&$$/"&$o% o+ 3rou'&$! "//!&/.I%/&!" &h! A'& &"6!/ " %"rro4 $!4 o+ " 3!&& *o%!!%!r&h!r!# /"'r$'$% &h! o%&!r* %"&$o%" $%&!r!/&/ o+ &h!'ou%&r.

.1> I& $/ ""$%/& " 3r$%'$3!/ o+ N"&ur" 0u/&$'! &h"& "r! $%u/&r $/3ro$! /&"&u&or r!$!+/ "% "&&!*3&/ "r! *"! &o 3r!!%&"% 'ur! &h! /$'6%!// $% "r! $%u/&r 4h$! &h! /*" /'"!/!'&or, &h"& h"/ r!"&!r !*3o*!%& 3o&!%&$" "% &h"&'o%&r$#u&!/ *or! &o4"r/ "'h$!$% &h! o#<!'&$!/ o+ &h!D$r!'&$! Pr$%'$3!/ o+ S&"&! Po$', $/ &r!"&! $% " *o/& /h"##*"%%!r 4$&hou& "% /u33or& +or 3r!!%&$o% "% 'ur! o+/$'6%!//. Ar&$'! ? o+ &h! Co%/&$&u&$o% 3r!/'r$#!/ &h"& 8The(tate shall promote with special care the ... economic interestsof the weaker sections of the people ...9 I% &h! 3r!/!%& '"/!&h! S*" S'"! I%u/&r $/ " 4!"6!r /!'&$o% o+ &h! 3!o3! $%r!"&$o% &o &h! L"r! $%u/&r. Y!&, " 3r!+!r!%&$" &r!"&*!%& $/#!$% $!% &o &h! "r! $%u/&r 4h$! !%$% &h! /"*! &o &h!/*" /'"! /!'&or.

.1 Th! A'& 3r!/u*!/ &h! R!'o!r o+ D!#&/ &o #! " /$*3! '$$$/3u&! '"u/! # " !%!r %o& r!'!$$% h$/ *o%! u! &o #"

Page No. 7



$%&!%&$o%/ o+ &h! #orro4!r. Th! "'&u" 3ro#!* $/ !%!r"*or! 'o*3$'"&!. A #orro4!r &"6!/ *o%! +ro* &h! !%!r"% 'r!"&!/ "//!&/ &h"& 'r!"&! !*3o*!%& "% 'o%&r$#u&! &o&h! #u$$% o+ &h! %"&$o%" !'o%o*. I& $/ $% %"&$o%" $%&!r!/& &o!%/ur! &h"& &h! "//!&/ "r! 3u& &o 3rou'&$! "% 3ro&"#! u/!.

Th! r!/3o%/$#$$& &o4"r/ &h$/ %"&$o%" $%&!r!/& r!/&/ 3r$*"r$4$&h &h! #orro4!r #u& &h! S&"&! "% &h! /o'$!& h"! "% "*o/&!u" ro! &o 3" $% !%/ur$% &h"& &h! "//!&/ "r! u&$$/! +or &h!oo o+ &h! 'ou%&r. I% '"/! &h!r! $/ " +"$ur! &o !%/ur! /u'h "u/! o+ &h! "//!&/, &h! #"*! +or &h! +"$ur! h"/ &o #! /h"r! #&h! #orro4!r "/ 4! "/ # &h! S&"&! "% &h! /o'$!&. O+ 'our/!,$% '"/! &h! "//!&/ "r! 4! u&$$/! "% &h! #orro4!r o!/ %o&3" &h! u!/ &o &h! !%!r, &h!r! $/ <u/&$'"&$o% +or h"r/h*!"/ur!/ ""$%/& &h! #orro4!r. O% &h! o&h!r h"%, $+ &h!#orro4!r $/ u%"#! &o 3" o% "''ou%& o+ 3oor u&$$/"&$o% o+"//!&/ u! &o r!"/o%/ &h"& "r! !%&$r! #!o% h$/ 'o%&ro,h"r/h &r!"&*!%& o+ &h! #orro4!r # &h! S&"&! "% /o'$!& $/ "!%$" o+ <u/&$'! "% "*ou%&/ &o " $/'our"!*!%& # &h! S&"&!&o !%&r!3r!%!ur$" r$/6 &"6$% $% &h! /o'$!&. Th$/ 4$ $% u!'our/! !" &o %!"&$! $%u/&r$" ro4&h "% h!%'! &o "o4!r$% o+ &h! /&"%"r o+ $$%. A/ 3!r Ar&$'! ? o+ &h!Co%/&$&u&$o% $& $/ &h! 3r$*"r u& o+ &h! S&"&! &o r"$/! &h!/&"%"r o+ $$% o+ $&/ 3!o3!. H!%'!, &h! A'&, # 3r!/'r$#$%"'ro//&h!#o"r h"r/h &r!"&*!%& +or #orro4!r/ $/ !%$%

<u/&$'! &o &h! #orro4!r/ 4ho "r! u%"#! &o 3" u! &o r!"/o%/#!o% &h!$r 'o%&ro "/ 4! "/ $/ "'&$% ""$%/& &h! D$r!'&$!

Pr$%'$3!/ o+ S&"&! Po$'.+o61etence of the 'onourale +ourt

.1 Th! A'& $/ "33$'"#! &o &h! /&"&! o+ M"h" Pr"!/h. D!#&/R!'o!r Tr$#u%" h"/ #!!% !/&"#$/h! u%!r /!'&$o% 2 o+ &h!A'& h"$% <ur$/$'&$o% 4$&h$% &h! /&"&! o+ M"h" Pr"!/h. Th!Ho%our"#! H$h Cour& $/ 'o*3!&!%& u%!r "r&$'! -- &o $//u!$r!'&$o%/, or!r/ or 4r$&/ $% r!"&$o% &o /u'h *"&&!r/.

*ocus Standii

.1 P!&$&$o%!r No. 1 $/ " r!3r!/!%&"&$! o+ &h! S*" S'"! I%u/&r$!/

";!'&! # or $6! &o #! ";!'&! # &h! A'& "% P!&$&$o%!rNo.- $/ ";!'&! # or $6! &o #! ";!'&! # &h! A'&. H!%'!,&h! P!&$&$o%!r/ h"! " Lo'u/ S&"%$$ $% &h! *"&&!r.

<& Relief=s> sought0

I% $!4 o+ &h! +"'&/ *!%&$o%! "#o!, &h! P!&$&$o%!r 3r"/ +or&h! +oo4$% r!$!+/5

") THE RECOVERY OF DEBTS DE TO BAN=S AND FINANCIALINSTITTIONS ACT, 1772 (A'& >1 o+ 1772) #! !'"r!

o$ u%!r Ar&$'! 12 o+ &h! Co%/&$&u&$o%.

Page No. 8



#) THE RECOVERY OF DEBTS DE TO BAN=S AND FINANCIALINSTITTIONS ACT, 1772 (A'& >1 o+ 1772) #! !'"r!u&r"$r!/ "% $o"&$! o+ &h! Co%/&$&u&$o% "% #!u"/h!.

') A %o&$'!/ $//u! or or!r/ 3"//! or R!'o!rC!r&$'"&!/ $//u! # R!/3o%!%& No. - #! !'"r! %u"% o$.

) E/&"#$/h*!%& o+ D!#& R!'o!r Tr$#u%"/ #! u"/h!.

!) A% o&h!r r!$!+ &h"& &h! Ho%our"#! Cour& *" r"%&.

?& Interi6 Relief, if any 1rayed for0:

P!%$% %" !'$/$o% o+ &h! 3!&$&$o%, &h! 3!&$&$o%!r /!!6/ $//u!o+ &h! +oo4$% $%&!r$* or!r5

") O3!r"&$o% o+ &h! A'& #! r!/&r"$%!.

#) Th! r!/3o%!%& %o.- #! r!/&r"$%! +ro* 3ro'!!$% "%+ur&h!r $% &h! *"&&!r r!"&$% &o "''!3&"%'! o+"33$'"&$o%/ or $//u! o+ %o&$'!/ or $//u! o+ R!'o!rC!r&$'"&!/ or "% o&h!r *"&&!r 'o%%!'&! &h!r!&o or$%'$!%&" &h!r!&o u%!r &h! A'&.

') Th! R!/3o%!%& %o.2 #! r!/&r"$%! +ro* 3ro'!!$% "%+ur&h!r $% &h! *"&&!r or "33$'"&$o% r!"&$% &o P!&$&$o%!r%o. - 3!%$% #!+or! or $6! &o 'o*! u3 #!+or! &h!

R!/3o%!%& %o. -.

$& Details of re6edies e9hausted0

Th! P!&$&$o%!r !'"r!/ &h"& &h!r! "r! %o o&h!r r!*!$!/ &h"&&h! 3!&$&$o%!r 'ou h"! u&$$/! $% &h! '"/!.

#@& .atters not 1reviously 8led or 1ending etc&0:

Th! 3!&$&$o%!r +ur&h!r !'"r!/ &h"&, &o &h! #!/& o+ h$/

6%o4!! "% $%+or*"&$o%, &h! *"&&!r r!"r$% &h! 3r!/!%&3!&$&$o% $/ %o& 3!%$% #!+or! "% o&h!r 'our& or "u&hor$& or&r$#u%" !&'..

##& *ist of docu6ents or anne9ures as 1er rule#=c>0:

S.No.

D!/'r$3&$o% o+ o'u*!%&/ A%%!:ur! No. Pho&o'o3KOr$$%"

1 P1 Pho&o'o3

- P- Pho&o'o3

Page No. 9



#3& *ist of docu6ents or anne9ures as 1er rule#=d>0:

Th!r! "r! %o o'u*!%&/ 4h$'h &h! 3!&$&$o%!r h"/ r!$! o% "%4h$'h "r! %o& $% h$/ 3o//!//$o% or !$!%'!.

Bho3"

D"&!5...................... PETITIONER

Page No. 10



B!+or! &h! 'igh +ourt of /udicature .adhya Pradesh

"& 0"#"3ur


/Ko ________________ /Ko ___________________ A! "#ou& ____ !"r/rKo ____________________,

_______________________, _______________________

(-) __________________ /Ko ___________________ A! "#ou& ____ !"r/rKo ____________________,

_______________________, _______________________

/.

Res1ondents0 (1) %$o% o+ I%$", Throuh Th! C"#$%!& S!'r!&"r,

Go!r%*!%& o+ I%$",NEW DELHI

(-) Th! Pr!/$$% O'!rD!#& R!'o!r Tr$#u%",M"h" Pr"!/h,

0ABALPR


!davit in su11ort of the )rit Petition

M %"*!

F"&h!r/ N"*!

A!

O''u3"&$o%

R!/$!%'!

Th! "#o!%"*! !3o%!%& /o!*% "r*/ "/ u%!r5

Page No. 11



1. Th"& &h! !3o%!%& $/ _____________________________ __________ __________ ___________. Th"& &h! !3o%!%& $/ " '$&$J!% o+ I%$".

-. Th"& &h! +"'&/ *!%&$o%! $% 3"r"r"3h ______ "% ______ o+ &h!"''o*3"%$% 4r$& 3!&$&$o% "r! &ru! &o &h! #!/& o+ * 3!r/o%"6%o4!! "% #!$!+ "% %o&h$% h"/ #!!% 'o%'!"! &h!r!$%.

2. Th"& &h! +"'&/ *!%&$o%! $% 3"r"r"3h ____ o+ &h!"''o*3"%$% 4r$& 3!&$&$o% "r! #"/! o% !" "$'! ""$"#!&o *! "% "r! #!$!! &o #! &ru! "% %o&h$% h"/ #!!%'o%'!"! &h!r!$%.

?. Th"& &h! 3"r"/ _______ o+ &h! "''o*3"%$% 4r$& 3!&$&$o% "r!Pr"!r.

D"&!5...................... DEPONENT

Page No. 12



B!+or! &h! 'igh +ourt of /udicature .adhya Pradesh "& 0"#"3ur


/Ko ________________ /Ko ___________________ A! "#ou& ____ !"r/rKo ____________________, _______________________, _______________________

(-) __________________ /Ko ___________________ A! "#ou& ____ !"r/rKo ____________________, _______________________, _______________________

/.

Res1ondents0 (1) %$o% o+ I%$", Throuh Th! C"#$%!& S!'r!&"r,

Go!r%*!%& o+ I%$",NEW DELHI

(-) Th! Pr!/$$% O'!rD!#& R!'o!r Tr$#u%",M"h" Pr"!/h, 0ABALPR


!11lication for Urgent 'earing

Th! P!&$&$o%!r #!/ &o /u#*$& "/ u%!r5

1. Th! Wr$& P!&$&$o% /u#*$&&! # &h! P!&$&$o%!r r!"&!/ &o " *"&&!r o+ 3u#$' $*3or&"%'!.

-. I%&!r$* R!$!+ h"/ #!!% 3r"! +or $% &h! Wr$& P!&$&$o%.

2. PRAYER5 Th! P!&$&$o%!r 3r"/ &h"& &h! Wr$& P!&$&$o% #! &"6!% u3 +or

ur!%& h!"r$%.

Bho3"

D"&!5...................... PETITIONER



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