IN THE HIGH COURT OF KERALA AT ERNAKULAM PRESENT : THE HONOURABLE MR. JUSTICE ANTONY DOMINIC FRIDAY, THE 2ND DECEMBER 2011 / 11TH AGRAHAYANA 1933 WP(C).No. 30825 of 2011(C) --------------------------------------- PETITIONER: ------------------- ANILKUMAR.T., S/O. P.K.RAGHAVAN, THANIYIL HOUSE, ORAVIL POST, PIN-673 614, NADUVANNUR VIA., KOZHIKODE DISTRICT. BY ADV. SRI.K.ANTONY JOSEPH. RESPONDENT: ---------------------- LIFE INSURANCE CORPORATION, (LIC) HOUSING FINANCE LTD., ROAYAL PALACE BUILDING, RAILWAY STATIONLINK ROAD, KOZHIKODE-673 002, REPRESENTED BY ITS AREA MANAGER. BY ADVS. SRI .S.EASWARAN, SRI.R.S.KALKURA. THIS WRIT PETITION (CIVIL) HAVING COME UP FOR ADMISSION ON 02/12/2011,THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING: W.P.(C).NO.30825/2011-C: APPENDIX PETITIONER'S EXHIBITS:- EXT.P1: TRUE COPY OF THE STATEMENT OF LOAN ACCOUNT OF PETITIONER. EXT.P2: TRUE COPY OF THE RECEIPT DATED 08-06-2011 FOR RS. 2,206/- ISSUED BY THE RESPONDENT. EXT.P3: TRUE COPY OF THE REPRESENTATION DATED 20-10-2011 SUBMITTED BY THE PETITIONER BEFORE THE RESPONDENT. EXT.P4: TRUE COPY OF THE PHOTOGRAPH SHOWING THE RESIDENTIAL BUILDING OF THE PETITIONER UNDER CONSTRUCTION. RESPONDENT'S EXHIBITS:- NIL. //TRUE COPY// P.A. TO JUDGE Prv. ANTONY DOMINIC, J. ``````````````````````````````````````````````````````````` W.P.(C) No. 30825 of 2011 C ``````````````````````````````````````````````````````````` Dated this the 2nd day of December, 2011 J U D G M E N T ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ Petitioner availed of a housing loan of `4.5 lakhs from the respondent. Subsequently, he made an application for additional loan of `5 lakhs. On the allegation that the request was not considered, the writ petition was filed, seeking a direction to the respondent to grant the additional loan as sought for. 2. On behalf of the respondent, it is pointed out that, in respect of loans above `5 lakhs, information regarding the credit rating of the petitioner should be obtained from an organisation called Credit Information Bureau of India Limited. It is stated that on verification with the said organisation, it was known that the petitioner had already availed of loan of `1.25 lakhs from another financial institution and that the said loan has been classified as a W.P.(C) No.30825/2011 : 2 : non performing asset. It is stated that, in such circumstances, the respondent cannot entertain the application of the petitioner. 3. However, when this submission was made by learned counsel for the respondent, counsel for the petitioner submitted that the aforesaid liability has already been discharged. 4. As at present, respondent has got the information that one of the liabilities incurred by the petitioner is a NPA. Since it is the case of the petitioner that the said liability has already been discharged, I direct that it will be open to the petitioner to produce the material substantiating the said contention before the first respondent, in which event, the first respondent will consider that and deal with the request of the petitioner in accordance with law. Writ petition is disposed of as above. Sd/- (ANTONY DOMINIC, JUDGE) aks/02/12