IN THE HIGH COURT OF KERALA AT ERNAKULAM PRESENT : THE HONOURABLE MR. JUSTICE P.R.RAMACHANDRA MENON FRIDAY, THE 12TH JUNE 2009 / 22ND JYAISHTA 1931 WP(C).No. 9114 of 2009(H) ------------------------- PETITIONER(S): --------------- SUMA.N.M, AGED 42 YEARS, D/O.MAMU, NEDIYAPURACKAL HOUSE, THALIKULAM P.O., CHAVAKKAD TALUK, THRISSUR DISTRICT. BY ADV. SRI.SHOBY K.FRANCIS RESPONDENT(S): --------------- 1. PUNJAB NATIONAL BANK, THALIKULAM BRANCH, THALIKULAM P.O., THRISSUR DISTRICT, REP.BY MANAGER. 2. DEPUTY TAHSILDAR (RR), CHAVAKKAD TALUK, CHAVAKKAD, THRISSUR DISTRICT. 3. DISTRICT COLLECTOR, COLLECTORATE, THRISSUR. BY GOVERNMENT PLEADER Mr.BIJOY CHANDRAN STANDING COUNSEL SRI.C.AJITH KUMAR FOR R1 THIS WRIT PETITION (CIVIL) HAVING BEEN FINALLY HEARD ON 12/06/2009, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING: P.R.RAMACHANDRA MENON, J. ----------------------------------------------- WP(C) NO. 9114 OF 2009 ----------------------------------- Dated this the 12th day of June, 2009 JUDGMENT The petitioner availed a loan of Rs.25,000/- from the respondent Bank in the year 2000 under the PMRY Scheme. When the petitioner turned to be a defaulter, the respondent Bank proceeded with coercive steps for realisation of the due amount as evident from Ext.P1 and P2 proceedings. The petitioner approached the third respondent by filing Ext.P3 representation for taking necessary steps to wipe off the entire liability of the petitioner, in view of the reasons stated therein. 2. When the matter came up for consideration the last time, this Court had directed to ascertain whether any scheme or provision is prevailing as on date to consider the grievance of the petitioner. The Learned Government Pleader, on instructions submits that no such scheme is available and for the very same reason, no favourable orders can be passed on Ext.P3 representation as well. After considering the plight of the petitioner, this Court finds it fit and proper to permit the petitioner to wipe off the liability by way of regular monthly instalments. 3. In the above facts and circumstances, Ext.P1 and P2 are WPC NO.9114/2009 2 ordered to be kept in abeyance and the petitioner is permitted to clear the outstanding liability by way of ten equal monthly instalments. The first instalment shall be paid on or before 30th of this month and the remaining instalments shall be paid on or before the 30th of every succeeding month. It is also made clear that if two 'consecutive defaults' are resulted from the part of the petitioner, the respondent will be at liberty to proceed with the coercive steps for realisation of the entire amount. The Writ Petition is disposed of accordingly. (P.R.RAMACHANDRA MENON, JUDGE) dnc