Indrajit Chatterjee, J.

A common order is being passed in respect of both the writ applications as noted in the previous order dated 21st August, 2014 in W.P. No. 788 of 2013. The present petitioner who is the defaulting borrower has prayed for writ of mandamus to cancel the demand notices, possession notices and also to rescind the proposed e-auction sale notice as appeared in the newspapers. The subject-matter of writ petition No. 787 of 2014 is the ground floor alongwith the car parking space of a multi-storied building and in W.P. No. 788 of 2014 it is the first floor of the said multi-storied building. It has been duly described in the e-auction notice issued by the bank. There is no dispute regarding the description of the property.

2. In both the writ applications the taking of loan is admitted. There is also no dispute regarding the calculation of interest etc. It has been claimed by the bank that the assets have been declared as non-performing assets long ago. But there is dispute as raised by the present writ petitioner in view of the internal circulation of the Reserve Bank of India given to the banks.

3. It was argued on behalf of the writ petitioner in both the