V.K. Jain, Presiding Member—The complainant took two housing loans, one in the year 2002 and other in the year 2005 from State Bank of Patiala, mortgaging property no. 2/231, Govindpura, Haldwani, while taking the aforesaid housing loan. The learned counsel for the petitioner complainant submits that in fact two title deeds in respect of two separate floors for the same property were deposited with the Bank. The husband of the complainant/petitioner had also availed credit facility from the Bank and the complainant had stood as a guarantor for repayment of the aforesaid housing loan taken by her husband. The complainant claims to have arranged fund from her relatives for payment of the housing loan taken by her and wanted the Bank to settle the housing loan account and release the title deeds which she had deposited with the Bank. It would be pertinent to note here that the complainant/petitioner had defaulted even in payment of the housing loan taken by her and had thereby become a defaulter. The Bank settled the housing loan taken in account no. 55048407615, but did not settle the housing loan taken in the other account, on the ground that being guarantor of the credi