{"id":44901,"date":"2016-04-25T15:37:24","date_gmt":"2016-04-25T10:07:24","guid":{"rendered":"http:\/\/www.scconline.com\/blog\/?p=44901"},"modified":"2016-05-11T17:40:28","modified_gmt":"2016-05-11T12:10:28","slug":"for-liability-incurred-by-wife-bank-cannot-exercise-general-lien-over-husbands-property-in-absence-of-expresssimplied-consent","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2016\/04\/25\/for-liability-incurred-by-wife-bank-cannot-exercise-general-lien-over-husbands-property-in-absence-of-expresssimplied-consent\/","title":{"rendered":"For liability incurred by wife, bank cannot exercise general lien over husband’s property, in absence of expresss\/implied consent"},"content":{"rendered":"

Kerala High Court: <\/strong>As a member of the respondent cooperative bank, the petitioner had availed a loan after mortgaging a piece of property and later cleared the same. The bank however, refused to return the title deeds of the property on the premise that the petitioner’s wife had also secured a loan and the petitioner’s title deed was deemed to have been kept as security for the realisaton of the said debt too i. e. it had exercised its general lien. The petitioner was aggrieved by the fact that he was neither a guarantor nor had he offered his property as security. The Court held the Bank’s action illegal and arbitrary.<\/p>\n

The Court while explaining the term said that a lien is the creditor\u2019s right to retain the debtor\u2019s asset, movable or immovable until the debt is repaid. If the asset is retained till the debt for which the asset is offered as security is repaid, it is a particular lien. On the other hand, if the asset is retained till any other unconnected debt is repaid, it is a general lien. As the general lien is mostly exercised by the bankers, it is also called the banker\u2019s lien. With either a particular lien or a general one, there shall be no contract, express or implied, to the contrary. Even with general lien, the owner of the asset has to be contractually connected to the debt in the capacity of either a borrower or a guarantor.<\/em><\/p>\n

In an elaborate and exhaustive judgment relying on various case laws and commentaries, the Bench of Dama Seshadri Naidu, J. differentiated between the French concept of coverture recognised under the English Law with that of the Indian context and observed that\u00a0 \u201c…the coverture covers, rather subsumes the proprietary rights of a wife under those of her husband.<\/em> The converse cannot be said…i<\/em>n India, from either perspective, wife and husband are two independent legal entities capable of contracting on their own. One does not bind the other, especially by implication, vis-\u00e0-vis a transaction involving a third party. In India, law has been consistent when dealing with the property rights of, or contracts involving, either of the spouses. The law equates the wife with the husband; it puts them on the same pedestal. Both of them can independently acquire and hold the property in their own names. One can, therefore, contract with third persons independently of the other.\u201d<\/em><\/p>\n

The Court held that \u201cthe question of the husband\u2019s implicitly incurring a liability on the contract entered into by his wife with a third party, in the absence the husband\u2019s express or implied consent thereto, does not arise. Had it been a case of contract between wife and husband, given the statutory obligation of spousal maintenance, the parameters, of course, would have differed.\u201d<\/em><\/p>\n

The\u00a0 Court categorically observed that \u201cUnless a person is a party to a loan transaction in whichever capacity, the question of the Bank\u2019s exercising the general lien vis-\u00e0-vis the property of that person\u2014even if he or she were the spouse of the contracting party\u2014does not arise. Put differently, it falls foul of the contractual obligations of the banker and customer.<\/em>\u201d Directing the Bank to return the title deeds, the Court held the Bank’s action of retaining or withholding the petitioner’s title deeds even after his clearing the loan per se illegal and arbitrary.\u00a0[Lonanakutty Antony<\/em> v. Joint Registrar of Cooperative Societies<\/em>, 2016 SCC OnLine Ker 481<\/a>, decided on March 8, 2016]<\/p>\n","protected":false},"excerpt":{"rendered":"

Kerala High Court: As a member of the respondent cooperative bank, the petitioner had availed a loan after mortgaging a piece of <\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,10],"tags":[],"class_list":["post-44901","post","type-post","status-publish","format-standard","hentry","category-casebriefs","category-highcourts"],"yoast_head":"\nFor liability incurred by wife, bank cannot exercise general lien over husband's property, in absence of expresss\/implied consent | 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\" 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action of bank withholding security documents is illegal and arbitrary: Kerala High Court","author":"Editor","date":"March 28, 2023","format":false,"excerpt":"Kerala High Court held that once loan is repaid, the bank is not entitled to withhold the title deed merely on the grounds that the petitioner has transferred the property during the subsistence of mortgage.","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"Kerala High Court","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/03\/MicrosoftTeams-image-764.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/03\/MicrosoftTeams-image-764.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/03\/MicrosoftTeams-image-764.png?resize=525%2C300&ssl=1 1.5x, 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security, Allahabad HC quashes DRAT order","author":"Saba","date":"February 15, 2017","format":false,"excerpt":"Allahabad High Court:\u00a0The 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\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":223865,"url":"https:\/\/www.scconline.com\/blog\/post\/2020\/01\/06\/ker-hc-art-226-petition-against-sarfaesi-recovery-proceedings-entertained-court-gives-peremptory-orders-cannot-be-challenged-in-any-court-or-forum\/","url_meta":{"origin":44901,"position":3},"title":"Ker HC | Art. 226 petition against SARFAESI recovery proceedings entertained; Court gives peremptory orders, cannot be challenged in any Court or Forum","author":"Bhumika Indulia","date":"January 6, 2020","format":false,"excerpt":"Kerala High Court: C.S. Dias, J. disposed of a writ petition filed under Article 226 of the Constitution of India. The petitioner is the wife of one Senthil Kumar, accused under the Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002. The husband of the petitioner\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":336093,"url":"https:\/\/www.scconline.com\/blog\/post\/2024\/11\/27\/sbi-to-pay-1-lakh-compensation-for-not-returning-title-deeds-after-loan-settlement-orissa-hc\/","url_meta":{"origin":44901,"position":4},"title":"Orissa High Court directs SBI to pay Rs. 1 Lakh compensation for not returning title deeds of mortgaged property after loan settlement","author":"Editor","date":"November 27, 2024","format":false,"excerpt":"\u201cOnce the loan was resolved, there was no legal reason for the Bank to withhold the return of the title deed, regardless of the pending litigation. 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