{"id":106861,"date":"2017-02-15T15:53:07","date_gmt":"2017-02-15T10:23:07","guid":{"rendered":"http:\/\/www.scconline.com\/blog\/?p=106861"},"modified":"2017-03-03T12:14:18","modified_gmt":"2017-03-03T06:44:18","slug":"inform-debtor-before-commencing-with-auction-sale-of-his-security-allahabad-hc-quashes-drat-order","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2017\/02\/15\/inform-debtor-before-commencing-with-auction-sale-of-his-security-allahabad-hc-quashes-drat-order\/","title":{"rendered":"Inform debtor before commencing with auction sale of his security, Allahabad HC quashes DRAT order"},"content":{"rendered":"<p style=\"text-align: justify;\"><strong> Allahabad High Court:\u00a0<\/strong>The petitioner before the Court appealed against the order of Debt Recovery Appellate Tribunal. The petitioner was serving in Punjab National Bank, Branch Mahmoorganj, Varanasi. During his service period, he availed a housing loan of Rs. 10 lacs in the year 2007 for construction of house and deposited title deed of his property in District Varanasi as security and had committed defaults in payment of instalments. Consequently, the account was declared as \u2018Non-Performing Asset\u2019.<\/p>\n<p style=\"text-align: justify;\">The respondent bank issued a notice under Section 13(2) of the SARFAESI Act. The notice inviting tender for sale of security was published in the newspaper subsequent to this and the security was sold. The counsel for petitioner submitted \u00a0that an application was filed under Section 17(1) of the SARFAESI Act before the DRT for quashing the sale certificate dated January 6, 2012 alleging that the petitioner was not served with the notice for auctioning the property nor was he given a possession notice. Along with that, the property in question (that was being auctioned) was grossly undervalued and that the petitioner had no knowledge of the recovery proceedings.<\/p>\n<p style=\"text-align: justify;\">The counsel pleaded on petitioner\u2019s behalf that the Appellate Tribunal had failed to appreciate that the petitioner was the employee of the respondent bank and his dues were sufficient to meet out the loan taken by the petitioner, even then due to personal prejudice the officers had initiated the proceeding under Section 13 of SARFAESI Act and the Tribunal had not recorded any finding on that point.<\/p>\n<p style=\"text-align: justify;\">Shri M.M. Sahai, counsel for the petitioner, placed emphasis on clear 30 days\u2019 notice, which is required to be given to the borrower by placing reliance on the judgment of Supreme Court in Mathew Varghese v. M. Amritha Kumar, <a href=\"http:\/\/www.scconline.com\/LoginForNewsLink\/9Ou1Bwv7\">(2014) 5 SCC 610<\/a> in\u00a0which it was held that until a clear 30 days\u2019 notice is given to the borrower, no sale or transfer can be resorted to by a secured creditor.<\/p>\n<p style=\"text-align: justify;\">The submission of petitioners were accepted by the Bench of Tripathi, J. who observed that the requirement to cause publication in \u2018vernacular language\u2019 in the newspaper is fundamental and the statutory requirement which cannot be compromised. The Court quashed all the proceedings subsequent to notice under Section 13(4) of the Act, 2002 for being violative of statutory provisions. It ordered the respondent bank to refund the amount deposited by the buyer of the security of petitioner with interest @ 10% per annum to her within four weeks from today. [Ashok Kumar v. Authorized Officer, Punjab National Bank, <a href=\"http:\/\/www.scconline.com\/LoginForNewsLink\/G12Sq9F0\">2017 SCC OnLine All 333<\/a>, decided on 10.2.2017]<\/p>\n<p style=\"text-align: justify;\">\n","protected":false},"excerpt":{"rendered":"<p>Allahabad High Court:\u00a0The petitioner before the Court appealed against the order of Debt Recovery Appellate Tribunal. The petitioner was serving in Punjab <\/p>\n","protected":false},"author":91,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,10],"tags":[4861,14121,3596],"class_list":["post-106861","post","type-post","status-publish","format-standard","hentry","category-casebriefs","category-highcourts","tag-drat","tag-non-performing-assets","tag-SARFAESI"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.4 (Yoast SEO v26.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Inform debtor before commencing with auction sale of his security, Allahabad HC quashes DRAT order | SCC Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.scconline.com\/blog\/post\/2017\/02\/15\/inform-debtor-before-commencing-with-auction-sale-of-his-security-allahabad-hc-quashes-drat-order\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Inform debtor before commencing with auction sale of his security, Allahabad HC quashes DRAT order\" \/>\n<meta property=\"og:description\" content=\"Allahabad High Court:\u00a0The petitioner before the Court appealed against the order of Debt Recovery Appellate Tribunal. 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Deshmukh and Ravindra V. Ghuge, JJ., held that divesting the Debts Recovery Tribunals of their pecuniary jurisdiction\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"Bombay High Court","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/02\/Bombay-HC.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/02\/Bombay-HC.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/02\/Bombay-HC.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/02\/Bombay-HC.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/02\/Bombay-HC.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":281546,"url":"https:\/\/www.scconline.com\/blog\/post\/2023\/01\/13\/set-aside-order-of-telangana-high-court-which-set-aside-order-drt-possession-sale-notice-issued-indian-bank-legal-news-legal-research-updates\/","url_meta":{"origin":106861,"position":1},"title":"Only a secured property used as agricultural land can be exempted under SARFAESI Act; Supreme Court sets aside Telangana High Court&#8217;s order","author":"Editor","date":"January 13, 2023","format":false,"excerpt":"Supreme Court opined that instead of shifting the burden of proof on the secured creditor to prove that the secured property was not agricultural property, the Telangana High Court should have laid down the burden of proof on the borrowers.","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"agricultural land","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/01\/MicrosoftTeams-image-71.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":310485,"url":"https:\/\/www.scconline.com\/blog\/post\/2024\/01\/01\/calcutta-high-court-upholds-forfeiture-of-earnest-money-in-e-auction-sale-dispute-scc-blog\/","url_meta":{"origin":106861,"position":2},"title":"Calcutta High Court upholds forfeiture of earnest money in e-auction sale dispute","author":"Ritu","date":"January 1, 2024","format":false,"excerpt":"The Calcutta High Court stated that the terms of the e-auction notice explicitly stated the conditions of the sale, including the forfeiture clause in case of non-compliance by the bidder.","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"calcutta high court","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/04\/calcutta-high-court.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/04\/calcutta-high-court.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/04\/calcutta-high-court.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/04\/calcutta-high-court.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":44511,"url":"https:\/\/www.scconline.com\/blog\/post\/2016\/04\/26\/pre-deposit-under-s-18-of-sarfaesi-act-to-file-an-appeal-before-drat-not-a-secured-asset\/","url_meta":{"origin":106861,"position":3},"title":"Pre-deposit under S. 18 of SARFAESI Act to file an appeal before DRAT not a secured asset","author":"Sucheta","date":"April 26, 2016","format":false,"excerpt":"Supreme Court: Deciding the question as to the fate of the deposit on the disposal of the appeal in case of an appeal under Section 18 of the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act) before the Debt Recovery Appellate Tribunal(DRAT), the\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/09\/Supreme-Court_Colour.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/09\/Supreme-Court_Colour.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/09\/Supreme-Court_Colour.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/09\/Supreme-Court_Colour.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/09\/Supreme-Court_Colour.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":189154,"url":"https:\/\/www.scconline.com\/blog\/post\/2018\/02\/15\/court-exercise-writ-jurisdiction-not-ignore-condition-imposed-law-entertaining-appeal\/","url_meta":{"origin":106861,"position":4},"title":"The Court, in exercise of writ jurisdiction, should not ignore a condition imposed by law for entertaining an appeal","author":"Saba","date":"February 15, 2018","format":false,"excerpt":"Allahabad High Court: A civil writ petition was dismissed by a Single Judge Bench comprising of Ram Surat Ram Maurya, J., on the ground that the petitioner had an alternate remedy of appeal under the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act, 2002. The\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":262882,"url":"https:\/\/www.scconline.com\/blog\/post\/2022\/03\/01\/borrowers-offer-to-pay-rs-71-lakhs-as-a-purchaser-of-mortgaged-property-will-not-discharge-him-from-entire-outstanding-liability-of-approx-1-8-crores-sc\/","url_meta":{"origin":106861,"position":5},"title":"Borrower\u2019s offer to pay Rs.71 lakhs as a purchaser of mortgaged property will not discharge him from entire outstanding liability of approx 1.8 crores: SC","author":"Editor","date":"March 1, 2022","format":false,"excerpt":"Supreme Court: The Division Bench of M. R. 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