P.K. Bhasin, Chairperson.—The appellant Bank is aggrieved by the final dated 4th March, 2015 passed by Mr. Ashish Kalia, the then Presiding Officer of Debts Recovery Tribunal-III, Delhi (‘DRT’ in short) while disposing of Original Application No. 86/2009 (O.A.) filed by appellant herein under Section 19 of the Recovery of Dents Due to Banks and Financial Institutions Act, 1993 (in short ‘RDDBFI Act’) against the respondents herein to recover its money which it had advanced as loan during the year 2006 to respondent 1, a proprietorship Firm of respondent No. 2, and to secure which loan respondent No. 2 had mortgaged with the Bank his property in Indira Puram, Ghaziabad and his wife, respondent No. 3 herein, had also given her personal guarantee.

2. From the impugned judgment as well as the record of the DRT in respect of O.A. No. 86/2009 what emerges is that on different dates in the year 2006 the appellant Bank had advanced some financial facilities to respondent No. 1 Firm and thereafter this respondent failed to re-pay the loan money to the Bank and its account was classified as Non-Performing. Asset. (NPA) in May, 2008 and then a notice dated 13th June, 2008 was given to