IN THE HIGH COURT OF JUDICATURE AT PATNA CWJC No.860 of 2007 AYODHYA PRASAD UPADHAYAY Versus THE STATE OF BIHAR & ORS with CWJC No.876 of 2007 RAGHU BANSH SINGH Versus THE STATE OF BIHAR & ORS with CWJC No.956 of 2007 VISHWANATH SINGH Versus THE ZONAL MANAGER,S.B.I.,PATNA with CWJC No.1024 of 2007 MOST.DUKHANI KUER Versus THE STATE OF BIHAR & ORS ----------- 02. 29.01.2010 Petitioners have filed these writ applications seeking settlement of their loan account based on NPA under scheme formulated by the bank on the directives of the Reserve Bank of India way back in the year 2000. Though annexure-1 has been brought on record as an application but it neither has a date nor any receiving. In that view of the matter, if annexuere-1 is ignored, there is nothing on record to show that any proposal or application was made for settling the dues under the OTS scheme. Even otherwise, according to the claim, there was certain time- frame in this regard. No action has been taken against the petitioners. However, they approached the High Court when a certificate case was initiated against them. In absence of any legal right having been established the writ applications are dismissed. Petitioners have 2 liberty to either approach the bank and seek a negotiated settlement or participate in Lok Adalats which are held from time to time or raise such objection under section 9 of the Public Demand Recovery Act. rkp ( Ajay Kumar Tripathi, J )